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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.

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.

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Angela B 20 Sep 2025

55 star rating

Have used Direct Gap for a few years now. Always quick, easy and competitive.

Alan Stewart 20 Oct 2025

55 star rating

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the high…

Carolyn Lyle 16 Sep 2025

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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.

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

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

Michael Dietz 13 Nov 2025

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

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

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

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

Yann 28 May 2021

55 star rating

One of the easiest and clearest websites I've ever used and the cost is substantially less than that quoted by the main dealer I bought the vehicle from.

Christopher Byrom 3 Jul 2019

55 star rating

Been using Direct Gap for +10 years. Simple and straightforward.

Richard Jenkinson 1 Dec 2018

55 star rating

Great price compared with main dealers easy to complete have used on all my cars over the years 5 stars would recommend

Rob Hannah 18 Dec 2013

55 star rating

Combination of site (presentation / functionality / customer journey) and product at the price. Good use of your independant five star rating ;)

Jack Lyons 23 Dec 2013

55 star rating

Easier and better to use than a slightly cheaper rival!

Justin Ellis 11 May 2021

55 star rating

Quoted £799 elsewhere, only £399 at Direct Gap for better cover! Brilliant.

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