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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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Liam Boyle 6 Nov 2025

55 star rating

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

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.

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

jennifer Savage 10 Oct 2025

55 star rating

so easy , called the office as well to check something very helpful staff . impressed!

R Holmes 9 Jan 2026

55 star rating

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Alex Sissons 24 Oct 2024

55 star rating

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

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

Isabelle Salami 20 Apr 2024

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

David Smith 18 Nov 2025

55 star rating

Great service and Hayley was very helpful when I phoned for more information, thank you.

Catherine Morrison 20 Feb 2026

55 star rating

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

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

James Batchelor 19 Dec 2013

55 star rating

High on Google search and competitive against others mentioned by Which.

keith knight 19 Jun 2019

55 star rating

Seamless and loads cheaper than the £299 a main dealer quoted for the same thing and peace of mind.

Mr Matthew Jones 19 Dec 2013

55 star rating

Straight forward, liked the easy examples

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No hold time and very helpful.

Mrs Helen Brown 23 Dec 2013

55 star rating

Good price and very helpful when I rang up for advice. 

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

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