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

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.

Stephen Webb 10 Nov 2025

55 star rating

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

Angela B 20 Sep 2025

55 star rating

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

Christopher Fearn 2 Jul 2026

55 star rating

Used on lots of different cars lucky no claims and cheaper than main dealers

Alex Sissons 24 Oct 2024

55 star rating

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

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

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.

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…

Peter Hodgett 14 Jun 2026

55 star rating

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

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…

Kirstie Skinner 17 Dec 2025

55 star rating

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

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.

jennifer Savage 10 Oct 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Barry Edwards 17 Jun 2026

55 star rating

Used this company many times...great price for peace of mind .

Phillip Bee 27 Sep 2025

55 star rating

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

Neil Porteus 23 Jul 2024

55 star rating

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

Nicholas Kerry 22 Jan 2020

55 star rating

hope I never need this, but have been caught in the 'Gap' previously! Premium less than half the offer from Dealer, and from a trusted Insurer.

Kelly Goodyear 2 Mar 2021

55 star rating

Easy to get a quote and process - much cheaper than using a dealer! Wish I had known about them sooner!

Anthony Cowley 23 Dec 2013

55 star rating

I tried a few companies via comparison sites but what persuaded me was that your initial quote was very fair. A couple of others were more expensive and less than a week after gett…

Ron H 17 Dec 2013

55 star rating

Great all round.

Debra Wilks 2 Jun 2021

55 star rating

Very simple website - easy to purchase insurance I needed. Very helpful when I had to phone to confirm something. Finally, very competitive prices!

J Baker 18 Dec 2013

55 star rating

Was the site I found after reading the which consumer website. Easy to use site and covered what I needed at a better price than already been offered.

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