Get a quote

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

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.

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…

Isabelle Salami 20 Apr 2024

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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

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

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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.

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

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.

Rachael McCormack 28 Feb 2025

55 star rating

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

MOIRA RAPSON 9 Oct 2025

55 star rating

I have used Direct Gap several times. The website is very clear and easy to use. The price is competitive. I have never had to claim so I can't comment on that aspect.

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.

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Nicholas Shaw 18 Dec 2013

44 star rating

Combination of clear website and good prices. Just hope it works if I need to make use of it!

Mark Shillito 12 Dec 2018

55 star rating

I rang to ask about the differences between policies before purchasing and a very pleasant lady talked me through the main differences. I was expecting to be asked to sign up there…

Mick Coy 23 Dec 2013

55 star rating

Superb, simple use of technogy. So many companies bog themselves down in complicated web sites and backend capabilities that it complicates the front end (web precense). Impressed,…

G Lewis 2 Nov 2018

55 star rating

Nice & easy, also 50% cheaper than offered by the dealer & finance company.

Rob Smith 23 Dec 2013

55 star rating

Internet search & comparison..not the cheapest but offered greater choice in terms of years/amount to be covered. Reviews also seem good.

Janet Hale 14 Oct 2021

55 star rating

Excellent service, easy to use website, helpful customer support and a good price.

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ