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

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See what our customers are saying about us

David Smith 18 Nov 2025

55 star rating

Great service and Hayley was very helpful when I phoned for more information, thank you.

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…

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.

PHD Mail Limited 2 Nov 2025

55 star rating

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

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.

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Edit Hamblett 12 May 2026

55 star rating

Very fast and reliable each time i have purchased a new car i have used Direct Gap as i find the whole process easy

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Mark Tait 23 Nov 2025

55 star rating

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

Angela B 20 Sep 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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

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.

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

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…

Derek Grant 31 Mar 2021

55 star rating

Best ratings on the internet.

James McCaffrey 5 Mar 2022

55 star rating

Much cheaper than the gap insurance offered by the dealership.

Mr C E Battensby 18 Dec 2013

55 star rating

Superb service to back up attractive product seen on a well presented website. Above all, though, an outstanding personal service delivering a well - explained product at a competi…

Peter Whiting 26 Jun 2020

55 star rating

So quick and easy (and good value)! 100% recommend!

Jayne Ellison 29 Nov 2019

55 star rating

Excellent company. Had to make a claim this year after having my car stolen, could not fault their customer service. Claim was dealt with very quickly. Have taken out 3 policies n…

Joanne Ashworth 22 Mar 2021

55 star rating

Quick and simple to do 10/10

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