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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

Rachael McCormack 28 Feb 2025

55 star rating

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

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.

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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.

Angela B 20 Sep 2025

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Liam Boyle 6 Nov 2025

55 star rating

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

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.

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.

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.

Keith Tynan 18 Dec 2013

55 star rating

Felt reassured by the FSA approved product

Peter Michael Payne 23 Dec 2013

55 star rating

Wonderful value. Saved £276 on dealer quote. Excellent service on 'phone from Elizabeth. Will certainly recommend you to my family and friends.

A Bowers 23 Dec 2013

55 star rating

Simple to purchase and clear advice and access to the policy documents

Steven Mason 4 Sep 2019

55 star rating

So simple to use and set up online , and best of all 1/3 Rd of the price the car dealer was offering for exact same service 5* A+ from me

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…

Julia Jackson 8 Jan 2021

55 star rating

I was a bit confused by gap insurance and how it works but the lady I spoke to over the phone was so friendly and helpful. Thank you! I received my quote straight away and it was c…

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