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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

Protect yourself with GAP Insurance

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See what our customers are saying about us

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

Alex Sissons 24 Oct 2024

55 star rating

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

Chris R 4 Oct 2024

55 star rating

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

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

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!

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…

jennifer Savage 10 Oct 2025

55 star rating

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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

David Kent 10 Sep 2025

55 star rating

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

David Smith 18 Nov 2025

55 star rating

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

Isabelle Salami 20 Apr 2024

55 star rating

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

Peter Egerton 1 Feb 2024

55 star rating

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

Mark Shillito 12 Dec 2018

55 star rating

I rang to ask about the differences between policies before purchasing and a very pleasant lady talked me through the main differences. I was expecting to be asked to sign up there…

Ann 21 Jun 2018

55 star rating

Less than half the price of dealer. You can see the policy before you commit to buy. I think I've done the right thing. Excellent reviews.

debbie fellows 23 Dec 2013

55 star rating

This is the second time I have purchased the gap policy with you, you are the most competitive with the best service.

Barbara Mulcahy 23 Dec 2013

55 star rating

The website is very easy to navigate and when I had a query it was dealt with very efficiently by James Cartwright. I will definitely be recommending direct gap to others. 

Tracey Deakin 19 Dec 2013

55 star rating

Nice easy website, price was very competitive.

Alan Hyman 18 Dec 2013

55 star rating

I was new to gap insurance and everything was clearly explained to me in a telephone call. Setting up the insurance was done very efficiently and at a competitive price.

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