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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

Michael Voyzey 4 Jan 2024

55 star rating

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

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

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.

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.

natasha badger 28 Oct 2023

55 star rating

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

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.

Scott Selbie 8 Sep 2023

55 star rating

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

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.

Christine Davies 14 Sep 2023

55 star rating

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

David Pibworth 3 Feb 2024

55 star rating

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

Julian Portman 26 Jan 2024

55 star rating

Very easy to arrange. Competitive price. Used with two previous cars.

Jane Shelton 23 Dec 2013

55 star rating

Most competitive and easy to review what was included in policy with free address / reg no amendments and free credit card payment.

Louisa Horth 19 Jun 2021

55 star rating

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

Mike M 17 Dec 2013

55 star rating

Only took minutes to cover my new van.

Susan Ward 23 Dec 2013

55 star rating

Top cover and peace of mind. Your product was even complimented by the car dealer.

Helen Stevenson 14 Sep 2019

55 star rating

Quick and easy to purchase,a family member recommended this gap insurance to us, who had to claim, and said how good this product was

Nicola Price 16 Dec 2013

55 star rating

Much cheaper than the RTI offered by the dealer, and better cover.

Rhianne Shannon 4 Jul 2021

55 star rating

So quick and easy to use wouldn’t use anyone else for gap insurance

Jamie F 18 Dec 2013

55 star rating

Very good site and easy to use, made big saving against dealer price. 

James Elkin 19 Jan 2021

55 star rating

Easy and competitively priced - I liked the worked examples that show how this insurance works.

Steve Carr 17 Dec 2013

55 star rating

Nice & easy - well done

Mohiuddin Sharif 4 May 2021

55 star rating

Fast and efficient, have insured a couple cars with these guys, hopefully never have to claim but it definitely does give assurance. Really pleased with the whole idea.

Mr Imran Khattak 23 Dec 2013

55 star rating

simple website, with clear information

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.