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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

Kirstie Skinner 17 Dec 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

jennifer Savage 10 Oct 2025

55 star rating

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

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

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.

Julian Portman 26 Jan 2024

55 star rating

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

Michael Voyzey 4 Jan 2024

55 star rating

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

Liam Boyle 6 Nov 2025

55 star rating

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

Paul Chattenton 24 Oct 2025

55 star rating

Very straight forward to arrange and actually cheaper than I expected.

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.

David Smith 18 Nov 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Kerry Parry 1 Mar 2024

55 star rating

Easy process that is what you want, Diane was nice

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

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 :)

Isabelle Salami 20 Apr 2024

55 star rating

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

Andy C 23 Dec 2019

55 star rating

Very efficient and simple process that literally took minutes to set up. Able to get both GAP and Alloy Wheel insurance for far less than the main dealer!

Amrik Birdi 25 Feb 2020

55 star rating

Never heard of GAP Insurances until I purchased my car. I then spoke to colleague of mine who referred me to yourselves. So easy and straight forward to purchase Excellent and very…

Mike Howells 18 Dec 2013

55 star rating

Very much appreciated. Top rate customer service

Michael Ludgate 30 Jan 2021

55 star rating

The best website I have seen for providing Gap Insurance cover. Straight forward to complete application online. Three Benefit options to suit everyone. Best single premium. Highly…

ian roberts 9 Apr 2021

55 star rating

Excellent service very competitive, third policy in the house.

P Kavangh 17 Dec 2013

55 star rating

Efficient and helpful.

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