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

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Anthony Charles 21 Oct 2022

55 star rating

Very easy process. Very competitive pricing. Easy to sort.

Martin Priest 26 Jan 2023

55 star rating

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

Gillian Millar 12 Jan 2023

55 star rating

Nice and easy website and good value compared to main dealer.

Christine Davies 14 Sep 2023

55 star rating

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

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

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.

Scott Selbie 8 Sep 2023

55 star rating

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

natasha badger 28 Oct 2023

55 star rating

Easy to use and half the cost the dealership wanted for a gap policy

Anca Riglea 25 Aug 2022

55 star rating

Super easy to follow the website and purchase the insurance. Comparing to others, Direct Gap is so so affordable Amazing customer service

David 30 Sep 2022

55 star rating

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

Stuart Weatherdon 8 Jun 2023

55 star rating

Straight forward to buy & much cheaper than the dealer...👍 hopefully I will never need it, but its peace of mind if the unthinkable should happen...

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.

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.

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No hold time and 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.

David Pibworth 3 Feb 2024

55 star rating

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

Jonathan Hawkins 5 Feb 2021

55 star rating

Really good price and better value than other companies. I used the phone service and the agent was so helpful and gave lots of advice. Very easy to buy and excellent to see differ…

Clare Williams 2 Mar 2020

55 star rating

The information on the website is excellent and all my queries were answered in the FAQs. I easily arranged and paid for the GAP insurance for my new car. Would highly recommend Di…

Mike Finch 18 Dec 2013

55 star rating

We needed to cover our new car purchase and looked on line we contacted your adviser who was most helpful

tony griffiths 23 Dec 2013

55 star rating

Value seemed good and when speaking to a member of staff was pleased with the level of knowledge about the products he had and the friendly approach he gave to my enquiry

wing sze leong 23 Dec 2013

55 star rating

Competitive price and easy to use website

Charlotte Rowe 23 Dec 2013

55 star rating

Prices, they seemed very reasnable and easy to do thank you

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.