Please note, our phone lines will close at 4pm on Thursday 25th and Friday 26th June due to the extreme weather. Apologies for the inconvenience.

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

Kirstie Skinner 17 Dec 2025

55 star rating

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

Alex Sissons 24 Oct 2024

55 star rating

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

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

Chris R 4 Oct 2024

55 star rating

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

Mark Tait 23 Nov 2025

55 star rating

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

Mark Troth 19 Nov 2025

55 star rating

I have been with Direct Gap for over 7 years and had three different cars. Website is easy and updating details is hassle free Thanks

Peter Hodgett 14 Jun 2026

55 star rating

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Angela B 20 Sep 2025

55 star rating

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

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.

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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…

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

R Holmes 9 Jan 2026

55 star rating

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Philip C 23 Dec 2013

55 star rating

I used Direct Gap after recently having my car written off (no fault of my own) and being left with a short fall to pay with the lease company. I so wished I had got gap like other…

Rick Bury 8 Jan 2019

55 star rating

Very easy to use and quick Also like you can transfer to another car (could not do this with old policy)

peter boardman 25 Mar 2017

55 star rating

Easy to apply. Family member had cause to claim on GAP policy and Customer Service was helpful and quick. Always have this cover on family cars.

Dan C 17 Dec 2013

55 star rating

Very good website, only 1 quick form to fill in

P Haywood 23 Dec 2013

55 star rating

Cheaper, I found your web site easier to navigate and policy / cover easier to understand.

David Cocker 16 Oct 2020

55 star rating

Excellent, well laid out website, quick and easy to navigate and purchase the required cover. Office staff very professional and answered my cover query promptly.

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