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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

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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

Michael Dietz 13 Nov 2025

Have used on a previous vehicle, policy gives a great peace of mind.

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.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

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

Kirstie Skinner 17 Dec 2025

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

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…

Mark Troth 19 Nov 2025

I have been with Direct Gap for over 7 years and had three different cars. Website is easy and updating details is hassle free Thanks

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

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.

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

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…

Carolyn Lyle 16 Sep 2025

Great information easy to understand and £100 less than my dealer offered.

PHD Mail Limited 2 Nov 2025

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

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.

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

Heather Smith 28 Oct 2025

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

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.

Mr C E Battensby 18 Dec 2013

Superb service to back up attractive product seen on a well presented website. Above all, though, an outstanding personal service delivering a well - explained product at a competi…

SHARON RYAN 9 Apr 2022

At least my 3rd policy with Direct Gap, never had any issues.

Carol Knowles 18 Dec 2013

Value for money

Louisa Horth 19 Jun 2021

Quick and easy to get a quote and set up insurance. Speedy service should you ever have to claim to on past experience!

Peter Kelleway 18 May 2021

Second time I've taken out gap insurance with Direct Gap, very happy to deal with you. Luckily the first policy wasn't called-on to be used, but very happy to be covered for anot…

J Brearley 17 Dec 2013

The price was very much lower than the insurance offered by the dealer and the cover was equally as good.

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FAQ

Customer reviews

4.9 out of 5 based on 15465 reviews

Paul Mahoney

5 out of 5
Debbie Little

5 out of 5

Easy to use and price was excellent
mariya khlyupina

4 out of 5

Website really easy to use, options and guide provided which helped in choosing the correct cover for me. Examples given were really useful!

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15465 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