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

jennifer Savage 10 Oct 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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…

Marcin Dlugoszek 18 Jul 2026

55 star rating

Simple, straight forward purchase process. Our 3rd policy now!!!

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…

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.

Barry Edwards 17 Jun 2026

55 star rating

Used this company many times...great price for peace of mind .

Christopher Fearn 2 Jul 2026

55 star rating

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Rachael McCormack 28 Feb 2025

55 star rating

This is 3rd policy weve taken out, much cheaper than dealership and easy to complete

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.

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.

Angela B 20 Sep 2025

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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.

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

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

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.

Ryan Warfield 25 Feb 2021

55 star rating

Really helpful over the phone & via email. Much better value than what the dealership offered! Would highly recommend them!

Stuart James 19 Dec 2013

55 star rating

I have used your previously and love the service and products.

N Rowlands 23 Dec 2013

55 star rating

Bought a new car & have previously had a gap policy which was worth every penny as needed to make a claim. The ratings are what clinched the deal! 

Daniel Coleman 4 Dec 2019

55 star rating

Easy smooth transaction and better value than the dealers. So glad I chose you guys and didn't fall into the dealer trap. Lets just hope I never have to use the Insurance.

Graham Dickinson 13 Dec 2018

55 star rating

I chose Direct Gap because of the good reviews and that fact that they were not the cheapest. I would rather pay a little more and be sure of a company that does not try to avoid p…

Nick Rundle 18 Dec 2013

55 star rating

James was very helpful and advised a novice like myself on the best product in your range suited to my circumstances!

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