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

Phillip Bee 27 Sep 2025

55 star rating

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

Paul Chattenton 24 Oct 2025

55 star rating

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

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

Rachael McCormack 28 Feb 2025

55 star rating

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

Marcin Dlugoszek 18 Jul 2026

55 star rating

Simple, straight forward purchase process. Our 3rd policy now!!!

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.

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

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Robin Atkins 20 Aug 2026

55 star rating

5th car with you still the best value for money

Robin Barker 20 Aug 2026

55 star rating

3rd policy I have now bought. Clear and simple and very competitive sorting this direct

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.

Carolyn Lyle 16 Sep 2025

55 star rating

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

Jennifer Hodgett 2 Jan 2026

55 star rating

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

Anne Martin 21 Jul 2026

55 star rating

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Mark Aryeetey 5 Jul 2026

55 star rating

Have been using Direct Gap for some years now on my previous cars the service is streamless. I would advise anybody buying a new car on PCP to use Direct Gap as soon as possible.

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…

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Maurice Stray 29 May 2018

55 star rating

Fantastic it was so easy and a fantastic price . I would like to thank every at Direct Gap for wonderful service.

John Drabble 24 Jul 2019

55 star rating

Thanks to Hayley for explaining the differences between the various policy options. The rest of the process was seamless and a very competitive rate. We now have GAP insurance cov…

Robert Lawson 17 Oct 2018

55 star rating

Lady on the phone was the best operator , 10/10, informative ,helpful many thanks.

Jacqueline Wyatt 25 Sep 2020

55 star rating

This is the first time I have brought a new car and this website made it really clear what all the different options were. Prices are the best I have seen whilst looking, would de…

Paul carter 15 Jun 2021

55 star rating

Competitive price that has given me more confidence in driving my car.

Allison knight 23 Dec 2013

55 star rating

The price , product and service were very good . I spoke to an advisor before purchasing as I had a few questions to ask, he was helpful and informative. So much cheaper than the d…

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