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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:

• Flexibility: You 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.

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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.

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.

Nic_C 17 Sep 2025

Quick and easy process with friendly advice when I rang to check I had chosen the correct policy

Kirstie Skinner 17 Dec 2025

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

Michael Dietz 13 Nov 2025

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

Lee Haworth 28 Sep 2025

Excellent. Easy to buy. Much cheaper than dealership GAP

MOIRA RAPSON 9 Oct 2025

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.

Barry Edwards 17 Jun 2026

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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

Christopher Fearn 2 Jul 2026

Used on lots of different cars lucky no claims and cheaper than main dealers

David Smith 18 Nov 2025

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

Peter Hodgett 14 Jun 2026

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

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.

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

Heather Smith 28 Oct 2025

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

Stephen Webb 10 Nov 2025

I've used Direct Gap for my previous vehicle, so it was an obvious choice for the new car.

R Holmes 9 Jan 2026

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

Great support on the phone earlier :)

D Nash 17 Dec 2013

Reassured buying from a fully FSA registered broker. Thank you

Wendy Elliott 12 Aug 2020

Very, very easy to use website totally cuts the middle man out got my GAP Insurance £241 cheaper than the dealership quoted. Worth a look!

Mick Coy 23 Dec 2013

Superb, simple use of technogy. So many companies bog themselves down in complicated web sites and backend capabilities that it complicates the front end (web precense). Impressed,…

Matthew Hockaday 18 Dec 2013

Price was the best but also because it specified that the cover included theft using the keys which was a concern when away on holiday and leaving the car at home.

Tania Stone 18 Dec 2013

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.

dennis hayden 18 Dec 2013

I have used this company previously they are very helpful and now you can transfer this product to another vehicle

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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.

Customer reviews

4.9 out of 5 based on 15590 reviews

Lee Cantwell

5 out of 5

Quick easy and value for money
Karen King

5 out of 5

Super quick & easy to purchase. Competitive price too.
Gareth Thomas

5 out of 5

Excellent gap insurance cover at a reasonable price. Why is it that it's not so widely known by the general car buying public?

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15590 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