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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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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

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.

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Rachael McCormack 28 Feb 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

David Smith 18 Nov 2025

55 star rating

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

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

Alex Sissons 24 Oct 2024

55 star rating

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

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

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…

Barry Machin 29 Jan 2021

55 star rating

As simple as could possibly be and very prompt payment on my previous policy claim.

David Mitchell 23 Dec 2013

55 star rating

Great policy and so much cheaper than dealer

John Hart 18 Dec 2013

55 star rating

Brilliant site & service.

Aidan Cullen 5 Nov 2018

55 star rating

Very easy and reasonably priced. Now have 3 policies with you. Thanks

John Walsh 20 Feb 2019

55 star rating

Great cover, great price and great service. Thank you

Jane Shelton 23 Dec 2013

55 star rating

Most competitive and easy to review what was included in policy with free address / reg no amendments and free credit card payment.

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