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Policy Wording IPID

Total Loss Protect Insurance

Total Loss Protect Insurance (TLP) pays up to £10,000 in addition to your motor insurance in the event of a total loss.

The policy will pay a cash lump sum equating to 25% of your motor insurer’s settlement amount in the event of the total loss of your vehicle, to contribute towards otherwise uninsured expenses such as a policy excess and/or the value of vehicle contents and/or personal effects and/or any depreciation in the value of that car.

Covers New & Used Cars
Cash lump sum benefit up to £10,000
Covers all drivers on your insurance policy
30-day money-back guarantee

This product is currently unavailable.

Policy Wording IPID

GAP Insurance Calculator

Vehicle Cost

Term (in years)

Only £ 8,550 would be covered by your Comprehensive Car Insurance
leaving a gap of £10,450

Protect yourself with GAP Insurance

Get a GAP Insurance quote

See what our customers are saying about us

Catherine Morrison 20 Feb 2026

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

Alan Stewart 20 Oct 2025

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the high…

Barbara Stewart 4 Dec 2024

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

Paul Chattenton 24 Oct 2025

Very straight forward to arrange and actually cheaper than I expected.

Jennifer Hodgett 2 Jan 2026

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

Nic_C 17 Sep 2025

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

MOIRA RAPSON 9 Oct 2025

I have used Direct Gap several times. The website is very clear and easy to use. The price is competitive. I have never had to claim so I can't comment on that aspect.

Graham Anderson 17 Dec 2024

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

PHD Mail Limited 2 Nov 2025

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

Chris R 4 Oct 2024

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

Kirstie Skinner 17 Dec 2025

Simple and cost effective. I won’t use anyone else for my gap insurance!

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Liam Boyle 6 Nov 2025

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Alex Sissons 24 Oct 2024

3rd policy I've had and best price by far

Neil Porteus 23 Jul 2024

Excellent value gap insurance. In the past my daughter has had to make a claim under a Direct Gap policy and it lived up to its expectations. Also very easy to purchase online.

S Burn 18 Dec 2013

The dealer quoted £320 for 3 years cover for my daughters new vehicle. The cost from you was only £84. Good advice and a huge saving over the dealer.

Graham Dickinson 13 Dec 2018

I chose Direct Gap because of the good reviews and that fact that they were not the cheapest. I would rather pay a little more and be sure of a company that does not try to avoid p…

Jaroslav Kratochvil 23 Dec 2013

Superb service,all of it very easy.

Allan Hucks 3 Mar 2017

Clear and simple. What more can you want. Audi wanted £500. Less than £200 for the same cover. What more can I say

james wallace 27 Nov 2017

I was offered this at the dealership but for double the price. Glad I decided to look around now as this saved me enough money to cover the dash cam I purchased. Thanks Direct gap

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

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FAQ

Customer reviews

4.9 out of 5 based on 15412 reviews

Mike Brewerton

5 out of 5

Comparison site showed that Direct Gap was the number 1 for GAP insurance so ran a quote. It was significantly cheaper than what the dealer offered (and what I have paid previously) and offered much improved service too. Overall very impressed.
Mark Bhalay

5 out of 5

Nice and simple to purchase, and at a great price as well. Main dealer wanted £399, whereas DirectGAP wanted £139. I’d have been mad not to go for this policy over the dealerships as it was also a like for like in terms of policy overview. Fingers crossed I never need to use it!!
Michael Russell

5 out of 5

Great prices, especially for 5yrs! Very professional web site, better than any other for insurance I have ever seen! I feel most confident thanks to my GAP policy for my exceptionally low millage car. Kind regards and Safe Happy Motoring. Michael Russell

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15412 testimonials

Monthly Payments Available

Available on Gap Insurance Policies
Pay in 10 monthly instalments

Call our friendly team to find out more on

01422 756100