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

Christopher Fearn 2 Jul 2026

55 star rating

Used on lots of different cars lucky no claims and cheaper than main dealers

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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.

Barry Edwards 17 Jun 2026

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

Edit Hamblett 12 May 2026

55 star rating

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

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.

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

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

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.

Kirstie Skinner 17 Dec 2025

55 star rating

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

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

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.

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.

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Mark Tait 23 Nov 2025

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

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

Kate Jarvis 23 Dec 2013

55 star rating

Very easy clear and good value

Stephen Linter 23 Jul 2020

55 star rating

Great friendly service - answered my pre-purchase questions promptly via Email - even out of hours - and explained clearly how RTI insurance works. Great price as well.

William D 17 Dec 2013

55 star rating

My third policy with you. Thanks for the loyalty discount

Frances Woodward 18 Dec 2013

55 star rating

seemed the most straight forward uncomplicated site

pete long 18 Dec 2013

55 star rating

Higher level of cover than my dealer offered at half the price. You were very highly recommended by a previous customer.

Louisa Horth 19 Jun 2021

55 star rating

Quick and easy to get a quote and set up insurance. Speedy service should you ever have to claim to on past experience!

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