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Accident, Sickness & Unemployment

In a world full of unexpected turns, ensuring your financial stability should never be left to chance.

Whether you find yourself facing health issues, following an accident or otherwise, or unexpected unemployment, ASU insurance offers comprehensive coverage you need to maintain your lifestyle and peace of mind.

Tailored to fit your individual needs, our simple-to-understand Accident, Sickness and Insurance polcy provides up to £2,000 per month, ensuring you can focus on recovery, not your bills.

  • Monthly Cover From £500 - £2,000
  • No Medical Required
  • Simple Claims Process
  • Cover Available for Most Proffesions
  • Get Cover In Minutes
  • Low Monthly Payments

Why choose Direct Gap for your Accident, Sickness & Unemployment Cover

There are plenty of reasons to come to Direct Gap for your ASU insurance. Here are just a few of them:

•  FlexibilityYou choose the level of coverage (up to £2,000) that best suits your needs and circumstances.

•  Responsibility: We’re fully regulated by the Financial Conduct Authority and we hold ourselves to the very highest standards.

•  Integrity: Our team do not make any commission from sales of ASU – we’ve only got your best interests in mind.

•  Service: Our glowing reviews and 5-star Feefo rating are a sign of how much our customers value what we do for them.

See what our customers are saying about us

Kirstie Skinner 17 Dec 2025

55 star rating

Simple and cost effective. I won’t use anyone else for my gap insurance!

R Holmes 9 Jan 2026

55 star rating

After having to unfortunately claim last year it was a no brainer to come back to Direct GAP they're so friendly and helpful. It gives me the peace of mind should the worst happen…

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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.

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…

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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

Phillip Bee 27 Sep 2025

55 star rating

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

Catherine Morrison 20 Feb 2026

55 star rating

This type of insurance gives me peace of mind knowing that my purchase is covered should anything happen to my car I’ve been using gap insurance since 2014 and would not be without…

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…

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…

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Craig Richards 7 Nov 2025

55 star rating

Existing customer, easy to use portal, and helpful staff

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

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

Susan H 17 Dec 2013

55 star rating

I was unsure which product to purchase. Your kind help and advice saved me money and gave me confidence in the RTI insurance

Marcus Hudson 23 May 2021

55 star rating

After shopping around and trying different sites this one I found was the best laid out . Very clear and easy to understand , site not crashing on you as you progressed . Price was…

John Evans 10 Dec 2018

55 star rating

Very Good and very friendly service when I contacted you regarding a couple of questions.

Nicola Price 16 Dec 2013

55 star rating

Much cheaper than the RTI offered by the dealer, and better cover.

Sophie Braddock 10 Jan 2020

55 star rating

I was nervous about taking out GAP insurance by myself as I have always done it though the dealership, but it was costing me so much money. Had a look on this website and read thro…

Dragos Anton 9 Nov 2022

55 star rating

Great company! Will definitely recommend to family and friends!

FAQ

What is the maximum monthly benefit?

Up to £2,000 (depending on your selected limit) or 65% of your normal monthly income, whichever is less.

What if I get temporary work during my unemployment claim?

Claims can be suspended, not ended, provided temporary work lasts no longer than six months.

Are there any exclusions for COVID-19 related claims?

Yes. Claims directly or indirectly resulting from COVID-19 or other pandemics are excluded.

What happens if I find a new job during an unemployment claim?

You must inform the administrator, and if the job is temporary, your claim may be suspended and later resumed if you become unemployed again.

Is there a limit to the amount of claims I can make?

You can make multiple claims up to the maximum benefit specified on your policy document (this is usually up to 12 months) and is subject to a return-to-work period between claims of 6 months.

Will ASU cover my entire (100%) income?

The policy covers up to a maximum of £2,000 or 65% of your normal monthly income, whichever is less. This is also dictated by the level of cover you chose.

Is ASU suitable for part-time workers?

Yes, as long as you are working a minimum of 16 hours per week and meet the other standard eligibility requirements (age etc.).

Will ASU cover me if I move abroad?

If you cease to reside or work in the United Kingdom, your coverage will end as the policy requires you to live and work in the UK.