Get a quote

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

Get a GAP Insurance quote

See what our customers are saying about us

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.

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

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.

Angela B 20 Sep 2025

55 star rating

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

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

Richard Smok 6 Mar 2024

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Isabelle Salami 20 Apr 2024

55 star rating

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

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…

Graham Anderson 17 Dec 2024

55 star rating

Fantastic service, great technology. We've been using direct gap for years. Always very helpful on the telephone as well

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

jennifer Savage 10 Oct 2025

55 star rating

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

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…

Phillip Bee 27 Sep 2025

55 star rating

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

Julian Portman 26 Jan 2024

55 star rating

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

Michael Voyzey 4 Jan 2024

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

Anthony Charles 21 Oct 2022

55 star rating

Very easy process. Very competitive pricing. Easy to sort.

Nicholas Price 24 Jan 2019

55 star rating

Way cheaper than dealer prices, dealer wanted more than double for a 4 year plan. Cheers

mark sinclair 28 Feb 2017

55 star rating

very quick, hassle free, fantastic, 5 stars all round.

Catriona Campbell 18 Apr 2018

55 star rating

Elizabeth Ruane very helpful, and easy to contact. Website easy to use and intuitive. Quick quotes which I needed and can use PayPal so feel more secure!

Joan Buttle 6 Jun 2018

55 star rating

All my questions were answered clearly and I was left knowing exactly which policy to buy. I am happy with the purchase I have made which was cheaper and over a longer term than th…

Mrs Helen Brown 23 Dec 2013

55 star rating

Good price and very helpful when I rang up for advice. 

Error loading MacroEngine script (file: BuyNowLinkQuoteAware.cshtml)

FAQ