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

Edit Hamblett 12 May 2026

55 star rating

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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…

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.

Phillip Bee 27 Sep 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Jennifer Hodgett 2 Jan 2026

55 star rating

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.

Liam Boyle 6 Nov 2025

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Alex Sissons 24 Oct 2024

55 star rating

3rd policy I've had and best price by far

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.

Anthony Mackenzie 14 Nov 2025

55 star rating

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

Barbara Stewart 4 Dec 2024

55 star rating

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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

Stephen Webb 10 Nov 2025

55 star rating

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

D Nash 17 Dec 2013

55 star rating

Reassured buying from a fully FSA registered broker. Thank you

Mrs C Perkins 18 Dec 2013

55 star rating

Loved the no hassle and no sales routine. Just straight talking

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

Geoffrey Hayes 10 Nov 2022

55 star rating

Easy to purchase very helpful and friendly telephone conversation, very reassuring

lisa clark 18 Dec 2013

55 star rating

I am very happy with your service and products

cheryl ramsey 6 May 2021

55 star rating

Always pleased with price, normally call as well and always helpful, recommended my daughter, who also got a good price.

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