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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

Anthony Mackenzie 14 Nov 2025

Full marks for very easy to use application form. Your help line was friendly and a pleasant girl gave me all the information I needed. I have purchased the Gap insurance I need no…

Kirstie Skinner 17 Dec 2025

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

Chris R 4 Oct 2024

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

GEOFFREY HARDMAN 4 Nov 2025

Easy to set up, used this firm over many years

Stephen Collins 18 Jul 2025

Dealt with Company for 20 years always excellent.

Michael Dietz 13 Nov 2025

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

PHD Mail Limited 2 Nov 2025

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

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.

Mark Tait 23 Nov 2025

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

Rachael McCormack 28 Feb 2025

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

Liam Boyle 6 Nov 2025

1st - GREAT! price 2nd - quick and easy 3rd - did i mention the GREAT pricing?

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.

David Smith 18 Nov 2025

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

Mark Troth 19 Nov 2025

I have been with Direct Gap for over 7 years and had three different cars. Website is easy and updating details is hassle free Thanks

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

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.

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.

Mark Wilkinson 23 Dec 2013

Recommended in a Which Magazine Survey.

tim walker 23 Dec 2013

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

peter boardman 25 Mar 2017

Easy to apply. Family member had cause to claim on GAP policy and Customer Service was helpful and quick. Always have this cover on family cars.

Gary Oakley 13 Aug 2022

Professionally dealt with, straight forward to set up - good piece of mind, for fair value.

Susan Smith 13 Mar 2023

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No hold time and very helpful.

A BRINSDON 23 Dec 2013

1. Key facts of insurance details clearly visible on the front page before buying the insurance. 2. Appears to provide better coverage than competitor policies.

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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 15506 reviews

Neil Marsden

5 out of 5

found it on search engine,it was very simple to use and the prices very competitive.
Shuk Han Chan

5 out of 5

very good coverage
Bronwen McWilliams

5 out of 5

Very easy insurance to take out. Have recommended it to many people. Obviously unless you have a claim you do not know how efficient and expediently the claim will be dealt with, lets hope I don't ever need it.

> See all our Testimonials

Direct Gap : Rated 4.94 out of 5 based on 15506 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