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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

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.

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.

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

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

Isabelle Salami 20 Apr 2024

55 star rating

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

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.

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

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

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…

Liam Boyle 6 Nov 2025

55 star rating

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

Phillip Bee 27 Sep 2025

55 star rating

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

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.

Alex Sissons 24 Oct 2024

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

G Shuan 3 May 2017

55 star rating

Great service, great advice given over the phone. Very easy transaction!

A Simcock 17 Dec 2013

55 star rating

Bought a car for our son Alex and purchased gap insurance for other cars in the family however, purchased through the motor dealer and charged a ridiculous price. Was not aware tha…

Tracy Fletcher 4 Aug 2021

55 star rating

I was recommended by a friend as they have taken insurance with you in the past. The website was quick and easy to use so I now have peace of mind that I'm covered.

Neil Matthews 18 Dec 2013

55 star rating

Previous customer; both my car and my wife's are now protected.

Paul Mobley 25 Aug 2021

55 star rating

Easy website, prompt reply to a question on live chat,and a good price.very pleased

Steve Elkin 23 Dec 2013

55 star rating

Simplicity itself to get cover I needed

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