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Short Term Car Insurance

Temporary or short-term insurance is comprehensive car cover that lasts from 1 hour up to 28 days. It’s the modern approach to insurance for those who don’t want to be tied down with a 12-month policy.

You may find short term motor insurance useful if you are:

  • collecting a new vehicle
  • test driving a new vehicle
  • a young driver back home from university
  • borrowing a friend's car or van
  • sharing the driving on a one-off trip

What are the benefits of Short Term Motor Insurance?

  • Temporary car insurance for drivers 19 - 75
  • Cover available from 1 hour to 28 days
  • All policies are fully comprehensive
  • Get a quote and cover in minutes
  • Coverage for vehicles with a value up to £65,000
  • Provided by trusted & established insurers

Why choose Direct Gap for your Short Term Car Insurance?

We have partnered with GoShorty to provide market-leading short-term motor insurance. GoShorty are one of the UK’s leading short-term car insurance providers, and we help thousands of motorists across the UK each week to become insured on a car from just 1 hour to 28 days.

•  Flexibility: Comprehensive car insurance when you need it.

•  Responsibility: All Direct Gap policies and those of our partners, GoShorty, are 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 Short Term Car Insurance – we’ve only got your best interests in mind.

•  Service: We hold over 11,000 5-star Feefo reviews alongside GoShorty's 4.9 (Excellent) rating on Trustpilot.

See what our customers are saying about us

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

Alpesh Patel 23 Oct 2025

55 star rating

Great service this would be the 5th time now

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…

Stephen Webb 10 Nov 2025

55 star rating

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

Janine Withers 23 Dec 2025

55 star rating

This is the 3rd policy I have brought from Direct Gap, their staff are always so friendly & helpful, I keep coming back to them.

jennifer Savage 10 Oct 2025

55 star rating

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

Edward McLeod 6 Jan 2026

55 star rating

thank you, 3rd or 4th policy I bought

Angela B 20 Sep 2025

55 star rating

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

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.

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.

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

Nadiya Davies 23 Apr 2024

44 star rating

Hayley was brilliant over the phone!

Mark Tait 23 Nov 2025

55 star rating

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

Carolyn Lyle 16 Sep 2025

55 star rating

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

David Kent 10 Sep 2025

55 star rating

Always been very pleased with company and will continue to use for my GAP ins, wdl done guys full marks.

Kirstie Skinner 17 Dec 2025

55 star rating

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

Richard Smok 6 Mar 2024

55 star rating

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

Peter Egerton 1 Feb 2024

55 star rating

It’s so easy to set up and I’m confident in the policy that it covers all my costs.

Paul Mobley 25 Aug 2021

55 star rating

Easy website, prompt reply to a question on live chat,and a good price.very pleased

Stephanie Stockbridge 18 Dec 2013

55 star rating

Competitive quote and better website than other similar companies

Alison Langmead 23 Dec 2013

55 star rating

Easy to use and fast, good price for gap insurance

Tracey Kelly 17 Dec 2013

55 star rating

Really good explanation on website. Website really easy to navigate. Some good reviews read about your Company,

Gillian Greenwood 17 Dec 2013

55 star rating

Reviewed Which? report on GAP insurance and then compared you with one of the other low-cost providers and your price was slightly better and your presentation on the website was a…

Mr antony brown 19 Dec 2013

55 star rating

Really good and clear - T&C well laid out

FAQ

What does short term motor insurance cover?

Short term motor insurance, also known as temporary car insurance, is a fully comprehensive cover for shorter periods. This type of insurance includes coverage for loss, theft, or damage to the vehicle, accident recovery, and legal liability.

When is short term motor insurance not suitable?

Short term motor insurance may not be suitable in certain situations, such as:

  • Hiring or renting vehicles, as these require specialist insurance from the rental company.
  • Use for taxis or commercial transport of goods.

What does short term motor insurance cost?

The cost of short term motor insurance varies based on several factors, including your age, the vehicle type, and the length of the policy. Other considerations may include your driving history, such as points on your license.

Why choose Direct Gap and GoShorty to insure with?

Choosing Direct Gap and GoShorty ensures quality insurance products and excellent customer support. Our partnership with GoShorty reflects our shared values, and both companies boast exceptional reviews. Feel free to contact us or GoShorty for any questions before getting a quote or purchasing a policy.

What is the shortest time I can insure my vehicle for?

The minimum coverage period for our short term motor insurance is 1 hour.

What’s the longest time I can insure my vehicle with this insurance?

The maximum coverage period for temporary car insurance is 28 days.