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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

Paul Chattenton 24 Oct 2025

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

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.

Rachael McCormack 28 Feb 2025

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

David Kent 10 Sep 2025

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

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.

jennifer Savage 10 Oct 2025

so easy , called the office as well to check something very helpful staff . impressed!

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…

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

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.

Alex Sissons 24 Oct 2024

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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…

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.

David Smith 18 Nov 2025

Great service and Hayley was very helpful when I phoned for more information, thank you.

PHD Mail Limited 2 Nov 2025

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

Joan Buttle 6 Jun 2018

All my questions were answered clearly and I was left knowing exactly which policy to buy. I am happy with the purchase I have made which was cheaper and over a longer term than th…

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.

Alan Hyman 18 Dec 2013

I was new to gap insurance and everything was clearly explained to me in a telephone call. Setting up the insurance was done very efficiently and at a competitive price.

Mrs K McSweeney 27 Feb 2019

Checked out previous reviews, all positive. Good price compared to other sites.

James McCaffrey 5 Mar 2022

Much cheaper than the gap insurance offered by the dealership.

Keith Bishop 13 Sep 2020

A very easy process. We have used Direct Gap several times now & have found them very helpful if we had any questions about the policy.

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FAQ

Customer reviews

4.9 out of 5 based on 15296 reviews

Steve Arnold

5 out of 5

Great website, quick & easy to use - plus saved over £250 on what the dealer offered me...!!
Garry Gisby

5 out of 5

policy price reasonable and easy to set up. Thanks, garry
Simba

5 out of 5

Over 50% cheaper than the main dealer 'return to invoice' quote...real value for money!

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15296 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