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

Janine Withers 23 Dec 2025

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 Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Graham Anderson 17 Dec 2024

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

Alan Stewart 20 Oct 2025

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…

David Kent 10 Sep 2025

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Michael Dietz 13 Nov 2025

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

Katie Sharp 3 Sep 2025

Great support on the phone earlier :)

Paul Chattenton 24 Oct 2025

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Anthony Mackenzie 14 Nov 2025

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…

Edit Hamblett 12 May 2026

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

Marcin Dlugoszek 18 Jul 2026

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

David Smith 18 Nov 2025

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

Mark Aryeetey 5 Jul 2026

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.

Rachael McCormack 28 Feb 2025

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

Stuart Davies 17 Jul 2026

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

jennifer Savage 10 Oct 2025

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

Kevin 22 Jan 2019

A very easy process to purchase and great feedback from feefo which led me to the website.

N Tricker 17 Dec 2013

Based on a very helpful telephone call to Ray, previous experience of the company and, importantly, price and product

Andrew Eades 20 Jan 2021

Quick and simple. Good price. The family have all used Direct Gap. When we have had to make a claim, service was very good.

Mrs Helen Brown 23 Dec 2013

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

D Slaithwaite 17 Dec 2013

I have never purchased gap insurance before. On being offered it by me car dealer I decided to shop around and saved more then 50%.

kenneth Sidford 18 Dec 2013

Phoned with a query and spoke to Elizabeth. She was So helpful, I didn't bother with other quotes.

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FAQ

Customer reviews

4.9 out of 5 based on 15697 reviews

Mark Burgess

5 out of 5

Quick and easy purchase.
Janet Aspey

5 out of 5

Really appreciated the opportunity to have free GAP insurance while we picked the car up. This product offers much better value than what was on offer by the car dealer.
Trevor Ranns

5 out of 5

Much better than taking dealer offer and will look to make cover permanent.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15697 testimonials

Monthly Payments Available

Available on Gap Insurance Policies
Pay in 10 monthly instalments

Call our friendly team to find out more on

01422 756100