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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

Mark Tait 23 Nov 2025

55 star rating

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

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Michael Dietz 13 Nov 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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

Rachael McCormack 28 Feb 2025

55 star rating

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

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.

Kirstie Skinner 17 Dec 2025

55 star rating

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

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

David Smith 18 Nov 2025

55 star rating

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

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.

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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…

Sophie Braddock 10 Jan 2020

55 star rating

I was nervous about taking out GAP insurance by myself as I have always done it though the dealership, but it was costing me so much money. Had a look on this website and read thro…

Stephen Collins 18 Dec 2013

55 star rating

Previous customer. Bought again with you as 5 year policy available. Thank you.

Kenneth lewis 18 Dec 2013

55 star rating

Have been thinking about gap insurance since purchasing new vehicle but Dealer quote seemed very high. Have researched various other providers and found the Direct Gap website the…

Emma Mason 10 Jun 2018

55 star rating

Clear policies, I liked the 'example' policies for each option—very useful to help me decide on which GAP to buy.

D Slaithwaite 17 Dec 2013

55 star rating

I have never purchased gap insurance before. On being offered it by me car dealer I decided to shop around and saved more then 50%.

Miss Leanne O'Brien 19 Dec 2013

55 star rating

The first time I have bought gap insurance and very impressed with the product and your helpful advice.

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