Get a quote

Accident, Sickness & Unemployment

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

Anthony Mackenzie 14 Nov 2025

55 star rating

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…

Neil Porteus 23 Jul 2024

55 star rating

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Rachael McCormack 28 Feb 2025

55 star rating

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

MOIRA RAPSON 9 Oct 2025

55 star rating

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.

Isabelle Salami 20 Apr 2024

55 star rating

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

Leyon Joseph 14 Mar 2024

55 star rating

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Heather Smith 28 Oct 2025

55 star rating

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

Alan Stewart 20 Oct 2025

55 star rating

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…

David Kent 10 Sep 2025

55 star rating

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

James Hunter 4 Mar 2025

44 star rating

I have just made a claim through Acasta on my previous policy and anticipate the settlement payment in the next few days. The whole process was fairly straightforward.

Michael Voyzey 4 Jan 2024

55 star rating

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

Mark Troth 19 Nov 2025

55 star rating

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

David Smith 18 Nov 2025

55 star rating

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

Matthew Stead 18 Dec 2013

55 star rating

Very good information provided and reasonable premium.

Claire Hughes 1 Jul 2021

55 star rating

Very easy process and good price. Monthly payments are very helpful

Charlotte Rowe 23 Dec 2013

55 star rating

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

Thomas Field 2 Jun 2021

55 star rating

Easy process from start to finish. Clarity of the information provided on the website aids the decision making process prior to purchase. Comparatively better cover and at a far be…

Andrew Taylor 23 Dec 2013

55 star rating

Highly Competitive & 5 Year Cover

Peter Michael Payne 23 Dec 2013

55 star rating

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

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.