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Key Cover Insurance

Key Insurance will pay up to £500.00 annual cover for locksmiths' charges, new locks and keys. The re-programming of immobilisers, infra-red handsets and alarms which are attached to the Fob but are not integral to an insured key. In addition up to 3 days car hire is available or onwards transport costs if you are stranded or your car is unusable as a result of lost, stolen or broken keys.

  • Covers locksmiths charges
  • Covers all keys attached to the key fob
  • Covers transport costs or car hire
  • There is No excess to pay
  • Covers the cost of new locks and keys
  • Immediate Cover
  • Claim limit up to £500 per annum
  • 24hr Emergency Helpline

GAP Insurance Calculator

Comprehensive Insurance
Potential loss

Only £ 8,550 would be covered by your Comprehensive Car Insurance
leaving a gap of £10,450

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See what our customers are saying about us

Angela B 20 Sep 2025

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

Have used on a previous vehicle, policy gives a great peace of mind.

Julian Portman 26 Jan 2024

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Janine Withers 23 Dec 2025

55 star rating

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

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

PHD Mail Limited 2 Nov 2025

55 star rating

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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.

Carolyn Lyle 16 Sep 2025

55 star rating

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Nic_C 17 Sep 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

mike cushley 18 Dec 2013

55 star rating

competitive price, able to defer start date. Clear information on website

John Walsh 20 Feb 2019

55 star rating

Great cover, great price and great service. Thank you

Darryl Gore 18 Dec 2013

55 star rating

Found this product considerably cheaper than what was offered by the Dealership...

Mrs G Winwright 1 Jun 2018

55 star rating

Straight forward to complete online,excellent value for money, I hope I don't need to use the policy but it's good to have the piece of mind with the policy.

Viv 26 Mar 2021

55 star rating

Needed to claim on on a policy a few years ago; the staff were so human, it made a hard time a little more pleasant. Adding to my Fleet, so of course you get the custom.

Sue L 17 Dec 2013

55 star rating

Just bought a new Ford and wanted to make sure it was insured I case the worst happened. I looked at a few other web sites but found the layout on direct gap very easy to navigate.…

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