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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:

• Flexibility: You 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.

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See what our customers are saying about us

Janine Withers 23 Dec 2025

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

Angela B 20 Sep 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

Neil Porteus 23 Jul 2024

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.

Liam Boyle 6 Nov 2025

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

R Holmes 9 Jan 2026

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Isabelle Salami 20 Apr 2024

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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

jennifer Savage 10 Oct 2025

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

Heather Smith 28 Oct 2025

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

Mark Troth 19 Nov 2025

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

Catherine Morrison 20 Feb 2026

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

David Smith 18 Nov 2025

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

Nic_C 17 Sep 2025

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

Jennifer Hodgett 2 Jan 2026

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

David Kent 10 Sep 2025

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

Nadiya Davies 23 Apr 2024

Hayley was brilliant over the phone!

James Elkin 19 Jan 2021

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

Charlotte Wood 23 Dec 2013

many thanks for all your advice on the best policy for my needs. Great customer service.

Keith Tynan 18 Dec 2013

Felt reassured by the FSA approved product

Peter Bailey 18 Dec 2013

Obtained quotes from Direct Gap and 2 other companies, yours was the best price. Info on website about outstanding finance had to read 3 times to fully understand

Chris Allen 16 Nov 2018

Great value for unlimited claim amount. You provided the cheapest quote I received.

Mark Shillito 12 Dec 2018

I rang to ask about the differences between policies before purchasing and a very pleasant lady talked me through the main differences. I was expecting to be asked to sign up there…

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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.

Customer reviews

4.9 out of 5 based on 15181 reviews

peter bradley

5 out of 5

Very easy and convenient.
Sarah Barlow

5 out of 5

I spoke to Hayley on the phone, who helped me with the questions I had about the policy, she was very friendly. The price is a lot cheaper than competitors and very straight-forward to set the policy up.
Malcolm Cameron

5 out of 5

great

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15181 testimonials

Monthly Payments Available

Available on Gap Insurance Policies
Pay in 10 monthly instalments

Call our friendly team to find out more on

01422 756100