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

Barry Edwards 17 Jun 2026

55 star rating

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

Mark Aryeetey 5 Jul 2026

55 star rating

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

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 Smith 18 Nov 2025

55 star rating

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Phillip Bee 27 Sep 2025

55 star rating

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

Rachael McCormack 28 Feb 2025

55 star rating

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

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

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…

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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

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

Kirstie Skinner 17 Dec 2025

55 star rating

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

jennifer Savage 10 Oct 2025

55 star rating

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

Kevin Sloan 18 Dec 2013

55 star rating

Very fast and effective service. Policy came through straight away.

Miss Leanne O'Brien 19 Dec 2013

55 star rating

The first time I have bought gap insurance and very impressed with the product and your helpful advice.

Nicholas Kerry 22 Jan 2020

55 star rating

hope I never need this, but have been caught in the 'Gap' previously! Premium less than half the offer from Dealer, and from a trusted Insurer.

SUZANNE BARRETT 18 Dec 2013

55 star rating

Existing customer, like new products and prices.

C Benson 17 Dec 2013

55 star rating

The 10% discount as an existing customer was a nice touch

Denise Hughes 18 Feb 2018

55 star rating

Recommended by friend, checked other sites and yours was best value at the time. More than half the price of dealers price. Easy to complete on-line form, Thank You.

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