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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

Lee Appleyard 3 Feb 2025

Hayley on the phone was great

jennifer Savage 10 Oct 2025

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

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Michael Dietz 13 Nov 2025

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

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Richard Smok 6 Mar 2024

I have used Direct Gap for many years and always found them competitive, value for money and easy to deal with.

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.

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.

Rachael McCormack 28 Feb 2025

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

Mark Tait 23 Nov 2025

Used Direct Gap for years. Friendly, efficient service , great prices and fantastic customer service.

Heather Smith 28 Oct 2025

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

Kirstie Skinner 17 Dec 2025

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

James Hunter 4 Mar 2025

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.

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.

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…

Isabelle Salami 20 Apr 2024

Friendly customer service. Answered my queries politely and professionally. No complaints and would recommend!

Angela B 20 Sep 2025

Have used Direct Gap for a few years now. Always quick, easy and competitive.

David Vivian Evans 23 Dec 2013

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

alan jones 23 Dec 2013

Have used before. Very easy to purchase,at a fraction of manufacturer GAP costs. Would recommend to friends.

Steven Gibbs 19 Nov 2020

Quick and easy to do, excellent value. There are to many careless people in carparks etc who just bang their car doors against other vehicles, having spent so much money on a new c…

Dawn Roberts 18 Dec 2013

Very good saving against dealer price. Thank you for saving me so much money.

Stephen Johnson 5 Dec 2020

made a massive saving by shopping around myself, the finance company want £500 for gap cover, saved myself £350

Wendy Lakeman 17 Dec 2013

Which, recommended. Informative website. Competitive price. New car cover for upto 6 months after purchase. Can be deferred for 1st year. Helpful over-the-phone info.

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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 15100 reviews

Ryan Jones

5 out of 5

I havent had a reason to claim as of yet so i cannot comment on this but this is the 3rd gap insurance policy i have taken out in 6 yrs and it provides me with peace of mind
Christine Golding

5 out of 5

acceptable terms, price and info on web site
Robert Murray

5 out of 5

I was recommended this company and decided to check it out and filled in the online form but before completing I sent a message to an advisor to ensure the price I was quoted was for the full (4years) term of the policy. This was confirmed by e.mail almost immediately (very impressive) and I therefore completed the form and purchased the policy.

> See all our Testimonials

Direct Gap : Rated 4.93 out of 5 based on 15100 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