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

Get a GAP Insurance quote

See what our customers are saying about us

Phillip Bee 27 Sep 2025

55 star rating

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

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

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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…

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Anne Martin 21 Jul 2026

55 star rating

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Stuart Davies 17 Jul 2026

55 star rating

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Christopher Fearn 2 Jul 2026

55 star rating

Used on lots of different cars lucky no claims and cheaper than main dealers

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.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

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

Catherine Morrison 20 Feb 2026

55 star rating

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…

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

jennifer Savage 10 Oct 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

D Slaithwaite 17 Dec 2013

55 star rating

I have never purchased gap insurance before. On being offered it by me car dealer I decided to shop around and saved more then 50%.

julie vigna 16 Sep 2017

55 star rating

Been using Direct Gap for last two cars, great service. Started with 14day free gap, will be taking out full cover. Cheaper than dealership. Highly recommend

Sarah Auener 8 Sep 2018

55 star rating

Very easy to use and cost competitive

David Walton DSW Pai nting & Decorating 28 Feb 2021

55 star rating

Second time around and fantastic. The dealer quoted £499 and Direct Gap quoted £169 on return to invoice. Same cover but £230 cheaper. You wont go wrong and great service by the di…

Peter Alexander 14 Apr 2021

55 star rating

great service this is the 3rd policy i have bought from this company

Peter Crean 23 Dec 2013

55 star rating

Advice form others and article read in Which. Much cheaper +£200 cheaper than similar produce offered by the dealer

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ