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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

natasha badger 28 Oct 2023

55 star rating

Easy to use and half the cost the dealership wanted for a gap policy

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Michael Voyzey 4 Jan 2024

55 star rating

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

David Pibworth 3 Feb 2024

55 star rating

Easy to complete and far cheaper than quoted by the main dealer

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

MARK HURDLEY 28 Oct 2023

55 star rating

Brilliant, a lot cheaper than getting it through the dealer and so easy to set up, will tell my family to use you in the future.

Julian Portman 26 Jan 2024

55 star rating

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

Gary (Manchester) 31 Oct 2023

55 star rating

Straight forward & easy to use website. Explained what was covered, easy to understand & complete purchase. Much better value than what was offered by car dealership.

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.

Thomas Field 2 Jun 2021

55 star rating

Very straight forward, clear informative and easy to navigate website. Competitive quotation for a good level of cover. Satisfied customer.

Chris C 31 May 2019

55 star rating

Half the price compared to purchasing direct from Dealers on new cars. up to 5 years policy if required.

Pauline Shaw 17 Dec 2013

55 star rating

All very straight forward

David Vivian Evans 23 Dec 2013

55 star rating

Obtained information from Which? User-friendly web site. Excellent product at a fair price.

R Collister 23 Dec 2013

55 star rating

Simply because of value for money, and a professional service.

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Victoria D 11 May 2021

55 star rating

So easy and simple and great value!! Second car I’m using them with and gives me great peace of mind when driving

Clive Richardson 23 Dec 2013

55 star rating

Product highly recommended

lynsey pattison 12 Dec 2018

55 star rating

Excellent phone staff and really easy to apply online too

Carolyn Reynolds 23 Dec 2013

55 star rating

To find a more competitive quote than that offered by car dealer. Received comprehensive and reassuring advice from you as well as a very friendly and personal service. Will defini…

Colin Malley 13 Dec 2019

55 star rating

Wesbite easy to use and when i phoned with a query regarding deposit protection Paul explained the policy clearly to me, without pressuring me to take an optional extra.

Tania Stone 18 Dec 2013

55 star rating

I used you to ensure I protect my new car against total loss I found you through the Which site which gave me a lot of confidence in the products.

Darren yates 1 Apr 2022

55 star rating

Very easy to do only took 5 mins to set up and the offer direct debit if you don't want to do it in one hit.. Great !

Paul Myers 27 Aug 2020

55 star rating

Third policy we have bought. Very easy to obtain quote, pay and obtain policy. Good prices and great customer service team when I needed to talk to them.

Richard. Alan. Smith 16 Jul 2023

55 star rating

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommend.

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.