Policy Wording IPID

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

Policy Wording IPID

GAP Insurance Calculator

Vehicle Cost

Term (in years)

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

Angela B 20 Sep 2025

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

Peter Egerton 1 Feb 2024

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

darren birch 8 Jan 2024

used before and experienced great service, thats why im back

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Julian Portman 26 Jan 2024

Very easy to arrange. Competitive price. Used with two previous cars.

PHD Mail Limited 2 Nov 2025

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

MOIRA RAPSON 9 Oct 2025

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.

James Hunter 4 Mar 2025

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.

Neil Porteus 23 Jul 2024

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.

Michael Voyzey 4 Jan 2024

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

jennifer Savage 10 Oct 2025

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

Phillip Bee 27 Sep 2025

Great company, easy to use customer portal. Been using this company for about 8 years now.

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Rachael McCormack 28 Feb 2025

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

Graham Anderson 17 Dec 2024

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

Alan Stewart 20 Oct 2025

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…

L Tongue 18 Dec 2013

Best offer on line and able to pay monthly!

J Rathwall 23 Dec 2013

Wanted to defer my first year as I have new for old cover with my insurer. This was easy to do and I only then had to pay for three years cover.

Peter holland 18 Dec 2013

Product seamed to cover my needs. Also very helpful when I advised them that I had put the incorrect registration details on the application. This was changed promptly with no fuss…

Betty Hedges 18 Dec 2013

Did not know such things existed. Alerted by dealer's handouts. but I like to do my own research and your company came out on top.

Denise Hughes 18 Feb 2018

Recommended by friend, checked other sites and yours was best value at the time. More than half the price of dealers price. Easy to complete on-line form, Thank You.

Matthew Hill 25 Apr 2021

Super Easy and Fast. Always save £100's buying through direct gap instead of the car dealer ship.

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FAQ

Customer reviews

4.9 out of 5 based on 14815 reviews

S Turner

5 out of 5

Really easy and vastly cheaper than the dealer's quote.
GREGORY LEIGHTON

5 out of 5

EASY TO USE SERVICE. EXCELLENT FRIENDLY CUSTOMER SERVICE. NO HASSLE AND EASY TO NAVIGATE THE SITE.
Grace Parfitt

5 out of 5

Just bought new car. Used direct gap before. Quick easy with no ard sell.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 14815 testimonials

Monthly Payments Available

Available on Gap Insurance Policies
Pay in 10 monthly instalments

Call our friendly team to find out more on

01422 756100