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

Alex Sissons 24 Oct 2024

55 star rating

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

GEOFFREY HARDMAN 4 Nov 2025

55 star rating

Easy to set up, used this firm over many years

Carolyn Lyle 16 Sep 2025

55 star rating

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

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.

Barbara Stewart 4 Dec 2024

55 star rating

Hayley was brilliant 🤩 I had done everything on line & it wouldn’t let me in to do my password so Hayley sent me a link. Also she amended my cover from 3 to 4 yrs. Very pleased w…

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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.

Jennifer Hodgett 2 Jan 2026

55 star rating

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.

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

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

jennifer Savage 10 Oct 2025

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

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

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Chris R 4 Oct 2024

55 star rating

Excellent Customer service and support. Quick and easy to set up. Great price. Would highly recommend based on my personal experience.

Michael Dietz 13 Nov 2025

55 star rating

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

R Holmes 9 Jan 2026

55 star rating

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…

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.

Freya Chambers 2 Jun 2021

55 star rating

FAST and very straight forward to set up. Great product to protect your investment.

Joanne Ashworth 22 Mar 2021

55 star rating

Quick and simple to do 10/10

Vivienne wooll 18 Dec 2013

55 star rating

I have previously had a vehicle replacement insurance gap insurance with direct gap and they were very helpful and a good price. I am more than happy to have another policy through…

D Canham 13 Feb 2018

55 star rating

This is my second Insurance Policy with Direct Gap. Currently a claim in place for the first. So hopefully that will be resolved very shortly or there will be a swift change of sta…

tim walker 23 Dec 2013

55 star rating

I spoke to someone on the phone. It was the help that he offered that prompted my purchase. Price was secondary. I will only ever really know if I have to claim

James Elkin 19 Jan 2021

55 star rating

Easy and competitively priced - I liked the worked examples that show how this insurance works.

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.