Please note, our phone lines will close at 4pm on Thursday 25th and Friday 26th June due to the extreme weather. Apologies for the inconvenience.

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

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

David Smith 18 Nov 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

Rachael McCormack 28 Feb 2025

55 star rating

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

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

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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.

jennifer Savage 10 Oct 2025

55 star rating

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

Phillip Bee 27 Sep 2025

55 star rating

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

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.

Barry Edwards 17 Jun 2026

55 star rating

Used this company many times...great price for peace of mind .

Alex Sissons 24 Oct 2024

55 star rating

3rd policy I've had and best price by far

Peter Hodgett 14 Jun 2026

55 star rating

Third time I have taken out gap insurance with Direct Gap. The process is very easy and it is always competitively priced.

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.

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Guy P 18 Dec 2013

55 star rating

Ease of use re quote and purchace, together with the positive feedback on-line

A Hirst 18 Dec 2013

55 star rating

Best value for money so we hope we've made the right decision! Good amount of summary information available up front

Graham Old 18 Dec 2013

55 star rating

Quick, easy and simple and provided exactly what I required.

Nick Rundle 18 Dec 2013

55 star rating

James was very helpful and advised a novice like myself on the best product in your range suited to my circumstances!

Peter W 3 May 2017

55 star rating

Very clear website - the best of the several we looked at. A couple of small queries were quickly answered by very friendly and efficient staff. Policy cost less than half the pric…

Megan Porteus 21 Jan 2020

55 star rating

Easy to purchase. Had a previous policy and received excellent service and so was quite happy to use DirectGap again.

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.