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

Stephen Foster 30 Jun 2022

55 star rating

Easy to use website and very competitive price

Graham W Beds 6 Aug 2022

55 star rating

Nice website, clear & acurate descriptions plus its half the price of the car dealers!

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.

Evonne Rogers 7 Aug 2022

55 star rating

Excellent service, easy to navigate website. Had the exact product I was looking for.

Beverley Williams 10 Nov 2022

55 star rating

Competitive prices + straightforward to purchase

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.

Andy 11 Jun 2022

55 star rating

Great price, easy to set up. Customer service, very helpful

Kevin Carter 27 Oct 2022

55 star rating

Best quote on market and completed in less than a minute. WARNING don't pay dealer fees again use DIRECT GAP

Christine Davies 14 Sep 2023

55 star rating

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

Gillian Millar 12 Jan 2023

55 star rating

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

natasha badger 28 Oct 2023

55 star rating

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

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

David Pibworth 3 Feb 2024

55 star rating

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

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.

Scott Selbie 8 Sep 2023

55 star rating

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

Anthony Charles 21 Oct 2022

55 star rating

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

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

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.

Kevin Osborne 11 Sep 2020

55 star rating

Less than half the price I was quoted by the main dealer, it’s like for like policy RTI, happy happy for 4 years knowing I am covered should the worst happen, thank you

Paul Knight 27 Nov 2021

55 star rating

Easy clear website and competitive prices for GAP insurance

Nik 25 Jun 2020

55 star rating

So much cheaper than what the dealer tries to sell to you! Much much cheaper than competitors in the market too. Hopefully the service will match it! Fingers crossed I won't actual…

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!

Paul McGee 23 Dec 2013

55 star rating

Nice to speak to a person who understands the product and my needs

R Collister 23 Dec 2013

55 star rating

Simply because of value for money, and a professional service.

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.