Accident, Sickness & Unemployment

Your exclusive 5% lifetime discount has been applied and is valid until Friday 26th April.

In a world full of unexpected turns, ensuring your financial stability should never be left to chance.

Whether you find yourself facing health issues, following an accident or otherwise, or unexpected unemployment, ASU insurance offers comprehensive coverage you need to maintain your lifestyle and peace of mind.

Tailored to fit your individual needs, our simple-to-understand Accident, Sickness and Insurance polcy provides up to £2,000 per month, ensuring you can focus on recovery, not your bills.

  • Monthly Cover From £500 - £2,000
  • No Medical Required
  • Simple Claims Process
  • Cover Available for Most Proffesions
  • Get Cover In Minutes
  • Low Monthly Payments

Why choose Direct Gap for your Accident, Sickness & Unemployment Cover

There are plenty of reasons to come to Direct Gap for your ASU insurance. Here are just a few of them:

•  FlexibilityYou choose the level of coverage (up to £2,000) that best suits your needs and circumstances.

•  Responsibility: We’re fully regulated by the Financial Conduct Authority and we hold ourselves to the very highest standards.

•  Integrity: Our team do not make any commission from sales of ASU – we’ve only got your best interests in mind.

•  Service: Our glowing reviews and 5-star Feefo rating are a sign of how much our customers value what we do for them.

See what our customers are saying about us

David 30 Sep 2022

55 star rating

Clear and helpful website. Much better value than dealer offer.

Robert Illingworth 29 Jun 2022

55 star rating

Easy to do and is very comprehensive.

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

Christine Davies 14 Sep 2023

55 star rating

Straightforward application process. Competitive premium rates. Have dealt with company before.

Scott Selbie 8 Sep 2023

55 star rating

Very competitively priced and easy to complete website I would recommend to others

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Gary Smith 13 Jul 2023

55 star rating

Competitive rates and very straight forward to use. Thank you

Andrew Garner 13 May 2022

55 star rating

Easy to set up and a great deal cheaper than dealer, also a uk based company!

MARK HURDLEY 28 Oct 2023

55 star rating

Brilliant, a lot cheaper than getting it through the dealer and so easy to set up, will tell my family to use you in the future.

Gary Oakley 13 Aug 2022

55 star rating

Professionally dealt with, straight forward to set up - good piece of mind, for fair value.

David Pibworth 3 Feb 2024

55 star rating

Easy to complete and far cheaper than quoted by the main dealer

Geoffrey Hayes 10 Nov 2022

55 star rating

Easy to purchase very helpful and friendly telephone conversation, very reassuring

Andy 11 Jun 2022

55 star rating

Great price, easy to set up. Customer service, very helpful

Peter Egerton 1 Feb 2024

55 star rating

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

Syed Mubarak Syed Ahmad 16 Aug 2023

55 star rating

It was very easy to get the cover and the whole transaction took less than 10 minutes to complete.

Gary (Manchester) 31 Oct 2023

55 star rating

Straight forward & easy to use website. Explained what was covered, easy to understand & complete purchase. Much better value than what was offered by car dealership.

Michael Thompson 28 May 2022

55 star rating

Phoned first and had a very good chat with consultant who explained everything I needed to know. Hopefully will never need it...but life sometimes throws up the unexpected.

Richard. Alan. Smith 16 Jul 2023

55 star rating

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommend.

Craig Robins 18 Dec 2013

55 star rating

I have previously taken out GAP insurance with Direct GAP on my previous vehicle, although thankfully I did not need to use it, I still think in todays current climate to protect t…

pete long 18 Dec 2013

55 star rating

Higher level of cover than my dealer offered at half the price. You were very highly recommended by a previous customer.

debbie fellows 23 Dec 2013

55 star rating

This is the second time I have purchased the gap policy with you, you are the most competitive with the best service.

Michael Hartley 17 Dec 2013

55 star rating

Compared the policies and pricing against other web providers and the dealer and you offered the best package and the most competitive pricing too.

J Sinclair 17 Dec 2013

55 star rating

Saved a fortune on the price quoted by my Lexus dealer

Peter McGuire 23 May 2017

55 star rating

Excellent value - half the price of the dealer offer and better cover. Highly recommended.

FAQ

What is the maximum monthly benefit?

Up to £2,000 (depending on your selected limit) or 65% of your normal monthly income, whichever is less.

What if I get temporary work during my unemployment claim?

Claims can be suspended, not ended, provided temporary work lasts no longer than six months.

Are there any exclusions for COVID-19 related claims?

Yes. Claims directly or indirectly resulting from COVID-19 or other pandemics are excluded.

What happens if I find a new job during an unemployment claim?

You must inform the administrator, and if the job is temporary, your claim may be suspended and later resumed if you become unemployed again.

Is there a limit to the amount of claims I can make?

You can make multiple claims up to the maximum benefit specified on your policy document (this is usually up to 12 months) and is subject to a return-to-work period between claims of 6 months.

Will ASU cover my entire (100%) income?

The policy covers up to a maximum of £2,000 or 65% of your normal monthly income, whichever is less. This is also dictated by the level of cover you chose.

Is ASU suitable for part-time workers?

Yes, as long as you are working a minimum of 16 hours per week and meet the other standard eligibility requirements (age etc.).

Will ASU cover me if I move abroad?

If you cease to reside or work in the United Kingdom, your coverage will end as the policy requires you to live and work in the UK.