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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

Paul Chattenton 24 Oct 2025

Very straight forward to arrange and actually cheaper than I expected.

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.

PHD Mail Limited 2 Nov 2025

I use Direct Gap for all my Company Car fleet. Easy to use website and competitive rates.

Stuart Davies 17 Jul 2026

Used your company for my last 3 vehicles, very easy to arrange. Luckily have not needed to make any claims so can't comment on the claim process and hope I never will.

Edward McLeod 6 Jan 2026

thank you, 3rd or 4th policy I bought

Carolyn Lyle 16 Sep 2025

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

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

Phillip Bee 27 Sep 2025

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

Craig Richards 7 Nov 2025

Existing customer, easy to use portal, and helpful staff

Alpesh Patel 23 Oct 2025

Great service this would be the 5th time now

Rachael McCormack 28 Feb 2025

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

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.

Anne Martin 21 Jul 2026

Very easy to use aand so quick, price was good, have used this site for the last 12 years if not more, for a number of cars

Jennifer Hodgett 2 Jan 2026

Website is so easy to use and the level of cover and cost compares favourably with their competitors. Second policy with Direct Gap would definitely recommend to others.

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

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.

jennifer Savage 10 Oct 2025

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

Angela B 20 Sep 2025

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

Nigel Fenton 7 Mar 2020

I had to make a claim with these guys before and was very happy with the service I received and was paid out very swiftly. I am now taking out another policy for the replacement ve…

R Collister 23 Dec 2013

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

Sally 18 Sep 2020

Quick, easy and excellent value for money. The policy examples take the headache out of making sure you understand what you are buying and choosing the right type.

Louisa Horth 19 Jun 2021

Quick and easy to get a quote and set up insurance. Speedy service should you ever have to claim to on past experience!

graham wait 18 Dec 2013

best information and cover up to 5 years

Stewart Woroch 30 Mar 2017

Easy to apply for. Fantastic savings over dealership. Able to defer start of cover because my comprehensive car policy covers me 'new for old' in the first 12 months. And a quick p…

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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 15681 reviews

Gary doran

5 out of 5

Great price
Danielle Brooks

5 out of 5

Great and essy
John Ashley

5 out of 5

Great value, easy process.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15681 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