Get a quote

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

Protect yourself with GAP Insurance

Get a GAP Insurance quote

See what our customers are saying about us

Anthony Mackenzie 14 Nov 2025

55 star rating

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

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

Liam Boyle 6 Nov 2025

55 star rating

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

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…

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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…

Rachael McCormack 28 Feb 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Paul Chattenton 24 Oct 2025

55 star rating

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

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.

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

David Smith 18 Nov 2025

55 star rating

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

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…

Thomas Field 2 Jun 2021

55 star rating

Very straight forward, clear informative and easy to navigate website. Competitive quotation for a good level of cover. Satisfied customer.

Chris Wyatt 28 May 2017

55 star rating

Looked for a GAP insurance, and found this site to be very easy to use and follow. Direct GAP has saved us £400 - compared to product offered by dealership. Would recommend to…

Jane Shelton 23 Dec 2013

55 star rating

Most competitive and easy to review what was included in policy with free address / reg no amendments and free credit card payment.

R Wren 17 Dec 2013

55 star rating

Much cheaper than the dealer

tony griffiths 23 Dec 2013

55 star rating

Value seemed good and when speaking to a member of staff was pleased with the level of knowledge about the products he had and the friendly approach he gave to my enquiry

Peter G 18 Dec 2013

55 star rating

Bought a one year old car - dealer recommended GAP but theirs was twice teh price of yours for less cover.

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ