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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

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.

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.

Michael Dietz 13 Nov 2025

55 star rating

Have used on a previous vehicle, policy gives a great peace of mind.

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Nic_C 17 Sep 2025

55 star rating

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

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.

Mark Tait 23 Nov 2025

55 star rating

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Phillip Bee 27 Sep 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

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.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Leyon Joseph 14 Mar 2024

55 star rating

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

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.

Alex Sissons 24 Oct 2024

55 star rating

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

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.

Giovanni George Franchitti 20 Apr 2021

55 star rating

Really quick process. Two queries very quickly and politely replied to by Gayle.

Sophia Starr 18 Dec 2013

55 star rating

Choice of polices and flexibility of cover. Helpful person on phone when rang up to make some queries before buying, easy website to use and that you are protected by fsa.

dawn hutchinson 18 Dec 2013

55 star rating

Recommended to me by car sales rep as good prices and easy website to use.

A BRINSDON 23 Dec 2013

55 star rating

1. Key facts of insurance details clearly visible on the front page before buying the insurance. 2. Appears to provide better coverage than competitor policies.

Lucy Maxfield 30 Mar 2021

55 star rating

Have used you before, fantastic service

Emma Mason 10 Jun 2018

55 star rating

Clear policies, I liked the 'example' policies for each option—very useful to help me decide on which GAP to buy.

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