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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

Protect yourself with GAP Insurance

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See what our customers are saying about us

Mark Tait 23 Nov 2025

55 star rating

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

Graham Anderson 17 Dec 2024

55 star rating

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

Richard Smok 6 Mar 2024

55 star rating

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

Alex Sissons 24 Oct 2024

55 star rating

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

David Pibworth 3 Feb 2024

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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

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…

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

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…

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

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.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Phillip Bee 27 Sep 2025

55 star rating

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

Paul Chattenton 24 Oct 2025

55 star rating

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

Jack Lyons 23 Dec 2013

55 star rating

Easier and better to use than a slightly cheaper rival!

Ann Stone 4 Sep 2020

55 star rating

Easy process, well prompted by the site. One of the few where it seemed possible to get cover before the vehicle registration was complete.

Ashley Mitchell 28 Apr 2017

55 star rating

Had another policy. Agreement was fantastic. Claimed on it. Very thorough claim advisor a back to the car insurance company. Highly recommended.

Andrew Letby 18 Dec 2013

55 star rating

Much better value than offered by dealer

Neil Henshaw 23 Dec 2013

55 star rating

Have used before for my new work vehicle so didn't hesitate to use again. Great value cover

James McCaffrey 5 Mar 2022

55 star rating

Much cheaper than the gap insurance offered by the dealership.

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