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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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

Angela B 20 Sep 2025

55 star rating

Have used Direct Gap for a few years now. Always quick, easy and competitive.

jennifer Savage 10 Oct 2025

55 star rating

so easy , called the office as well to check something very helpful staff . impressed!

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.

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…

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.

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Chris R 4 Oct 2024

55 star rating

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

John S 17 Dec 2013

55 star rating

The third policy I have bought from you, many thanks.

John Gibson 18 Dec 2013

55 star rating

A lot cheaper than a similar product offered by the car dealer

Mark Wilkinson 23 Dec 2013

55 star rating

Recommended in a Which Magazine Survey.

Jacqueline Wyatt 25 Sep 2020

55 star rating

This is the first time I have brought a new car and this website made it really clear what all the different options were. Prices are the best I have seen whilst looking, would de…

Kelly Goodyear 2 Mar 2021

55 star rating

Easy to get a quote and process - much cheaper than using a dealer! Wish I had known about them sooner!

A Rogers 18 Dec 2013

55 star rating

After comparing different providers of gap insurance I found Direct Gap to have the best choice, experience and prices.

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.