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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

Janine Withers 23 Dec 2025

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

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.

Kirstie Skinner 17 Dec 2025

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

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Leyon Joseph 14 Mar 2024

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Anthony Mackenzie 14 Nov 2025

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

Mark Tait 23 Nov 2025

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Nic_C 17 Sep 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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…

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

Alex Sissons 24 Oct 2024

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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

R Holmes 9 Jan 2026

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

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.

Jane Hubbard 23 Dec 2013

Direct Gap was £140.00 cheaper than the GAP offered by the dealership?

Tracy Fletcher 4 Aug 2021

I was recommended by a friend as they have taken insurance with you in the past. The website was quick and easy to use so I now have peace of mind that I'm covered.

DAVE DAVIERS 2 Mar 2019

2ND POLICY NOW NEVER THOUGHT I'D USE FIRST ONE BUT SO GLAD I HAD IT AS CAR WRITTEN OFF AFTER 4 MONTHS. DIRECT GAP PAID OUT DIFFERENCE TO INSURERS VALUATION AND THIS COVERED COST OF…

G Moss 17 Dec 2013

I was very pleased you now offer a deferred gap insurance as I always have a new car that is covered by my motor insurance for RTI.

Mark Dunning 26 Mar 2021

I have been using Direct Gap for many years. Always competitive and always great to deal with.

Franklin Reith 19 Dec 2013

Recommended by friends. Service was most friendly and very informatative.

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FAQ

Customer reviews

4.9 out of 5 based on 15167 reviews

steve wright

5 out of 5

Very straightforward procedure, great thanks the dealer ship wanted nearly 4x as much!
Phillip Evans

5 out of 5

Cover was more comprehensive and for longer than competitors. The price was very reasonable too.
Lisa Wells

5 out of 5

second time using you. Great!

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15167 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