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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

Angela B 20 Sep 2025

Have used Direct Gap for a few years now. Always quick, easy and competitive.

Edit Hamblett 12 May 2026

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

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.

Paul Chattenton 24 Oct 2025

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

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…

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.

Stephen Webb 10 Nov 2025

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

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…

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

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

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.

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.

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…

Nic_C 17 Sep 2025

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

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…

Alex Sissons 24 Oct 2024

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

Neil Chason 14 Nov 2018

Quick and easy quote, simple to understand policy wording. Instant emailed the policy, a very quick and simple process all round

Janet Brown 9 Jan 2019

This will be the third policy I have had with Direct Gap and so far have never needed to claim against them but the website. ease of purchase, clear explanations etc are all good.

Mick Guy 30 Oct 2020

That was so easy. My car, which I pick up today, now has GAP insurance. A very straight forward process that even I managed to complete in minutes. Excellent, very happy.

graham wait 18 Dec 2013

best information and cover up to 5 years

Peter Michael Payne 23 Dec 2013

Wonderful value. Saved £276 on dealer quote. Excellent service on 'phone from Elizabeth. Will certainly recommend you to my family and friends.

Martin Priest 26 Jan 2023

Polite and informative, easy to contact and talk to and the products are cheaper than the dealer

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FAQ

Customer reviews

4.9 out of 5 based on 15425 reviews

tudor cofaru

5 out of 5

excelent! verry easy cheap and quick!!
Andrew Hamlett

4 out of 5

Hopefully I won’t have to use the policy but I’d hope that I’ve covered myself in the event of an insurance claim. Price is much much better than the car dealer offers. It’s a no brainer to spend £149 to cover a shortfall that in my case could be as much as £4000 right now.
Mark Pollitt

5 out of 5

Quick and easy and good choice of options

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15425 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