Policy Wording IPID

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

Policy Wording IPID

GAP Insurance Calculator

Vehicle Cost

Term (in years)

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

Michael Dietz 13 Nov 2025

Have used on a previous vehicle, policy gives a great peace of mind.

Julian Portman 26 Jan 2024

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

Liam Boyle 6 Nov 2025

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

David Pibworth 3 Feb 2024

Easy to complete and far cheaper than quoted by the main dealer

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Paul Chattenton 24 Oct 2025

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

Rachael McCormack 28 Feb 2025

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

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

Michael Voyzey 4 Jan 2024

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

Chris R 4 Oct 2024

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

MOIRA RAPSON 9 Oct 2025

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.

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Phillip Bee 27 Sep 2025

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

darren birch 8 Jan 2024

used before and experienced great service, thats why im back

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Barbara Stewart 4 Dec 2024

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…

Mark Tait 23 Nov 2025

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Judith Hole 18 Dec 2013

Did lots of research but the decision was based on telephone call. I spoke to James who was very helpful and explained everything to me. Fell as though I have had good value for mo…

A Simcock 17 Dec 2013

Bought a car for our son Alex and purchased gap insurance for other cars in the family however, purchased through the motor dealer and charged a ridiculous price. Was not aware tha…

iain riach 24 Mar 2022

Third policy with Direct Gap. Always competitive and easy to manage online.

Frank Crutchley 23 Dec 2013

Price and ease of purchase

Eric Stone 23 Sep 2020

Quick, simple and easy to do, also only 50% of what dealer was asking!! Win Win!!

Stephen Linter 23 Jul 2020

Great friendly service - answered my pre-purchase questions promptly via Email - even out of hours - and explained clearly how RTI insurance works. Great price as well.

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