Please note, our phone lines will close at 4pm on Thursday 25th and Friday 26th June due to the extreme weather. Apologies for the inconvenience.

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

Get a GAP Insurance quote

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.

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

Peter Hodgett 14 Jun 2026

55 star rating

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

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.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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.

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time 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.

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Kirstie Skinner 17 Dec 2025

55 star rating

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

Alex Sissons 24 Oct 2024

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Barry Edwards 17 Jun 2026

55 star rating

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

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.

Sam D 17 Dec 2013

55 star rating

A++++

Richard Warren 19 Apr 2021

55 star rating

My wife had gap insurance with this company and had a claim it was settled with no problems.

Peter Banks 23 Dec 2013

55 star rating

Hope we never need it, but online reviews convinced me to go with you rather than anyone else

Rick Bury 8 Jan 2019

55 star rating

Very easy to use and quick Also like you can transfer to another car (could not do this with old policy)

Mrs Marion Lambert 23 Dec 2013

55 star rating

As well as a competitive price, your website and the terms and conditions were easy to use and understand.You also featured in a "Which?" guide to gap insurance.

Michael Russell 19 May 2021

55 star rating

Great prices, especially for 5yrs! Very professional web site, better than any other for insurance I have ever seen! I feel most confident thanks to my GAP policy for my exceptiona…

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