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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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Alex Sissons 24 Oct 2024

55 star rating

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

Rachael McCormack 28 Feb 2025

55 star rating

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

Kirstie Skinner 17 Dec 2025

55 star rating

Simple and cost effective. I won’t use anyone else for my gap insurance!

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Liam Boyle 6 Nov 2025

55 star rating

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

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…

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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.

Carolyn Lyle 16 Sep 2025

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

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

David Smith 18 Nov 2025

55 star rating

Great service and Hayley was very helpful when I phoned for more information, thank you.

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.

David Kent 10 Sep 2025

55 star rating

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

DAVE DAVIERS 2 Mar 2019

55 star rating

2ND POLICY NOW NEVER THOUGHT I'D USE FIRST ONE BUT SO GLAD I HAD IT AS CAR WRITTEN OFF AFTER 4 MONTHS. DIRECT GAP PAID OUT DIFFERENCE TO INSURERS VALUATION AND THIS COVERED COST OF…

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.

Wendy Elliott 12 Aug 2020

55 star rating

Very, very easy to use website totally cuts the middle man out got my GAP Insurance £241 cheaper than the dealership quoted. Worth a look!

Richard Warren 19 Apr 2021

55 star rating

My wife had gap insurance with this company and had a claim it was settled with no problems.

John Robinson 10 Oct 2019

55 star rating

I have used direct gap before and have always been happy with them I have never had to make claim but it Gives me piece of mind to have this in place because on the roads these da…

Jonathan Hawkins 5 Feb 2021

55 star rating

Really good price and better value than other companies. I used the phone service and the agent was so helpful and gave lots of advice. Very easy to buy and excellent to see differ…

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