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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

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.

PHD Mail Limited 2 Nov 2025

55 star rating

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

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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.

Katie Sharp 3 Sep 2025

55 star rating

Great support on the phone earlier :)

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…

Phillip Bee 27 Sep 2025

55 star rating

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

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.

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.

Paul Chattenton 24 Oct 2025

55 star rating

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

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.

Michael Dietz 13 Nov 2025

55 star rating

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

Mark Troth 19 Nov 2025

55 star rating

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

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

Alex Sissons 24 Oct 2024

55 star rating

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

Stephen Collins 18 Jul 2025

55 star rating

Dealt with Company for 20 years always excellent.

Leyon Joseph 14 Mar 2024

55 star rating

I have been in the unfortunately position to have to use this policy and can say they were very helpful through the whole process 5 stars

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.

Kirsty 10 Sep 2018

55 star rating

Easy and simple to use and understand, helpline staff friendly and helpful.

Lee Nathaniel 18 Mar 2021

55 star rating

Rang as I didn’t know know which cover I should choose........ the lady I spoke to was so helpful and helped me decide!

Sophie Braddock 10 Jan 2020

55 star rating

I was nervous about taking out GAP insurance by myself as I have always done it though the dealership, but it was costing me so much money. Had a look on this website and read thro…

Helen Brookes 18 Dec 2013

55 star rating

Good service and good product at a cost half the price of the car dealer.

Garry Mason 18 Jun 2019

55 star rating

I have been using Direct Gap Insurance for a number of years and it definitely gives me peace of mind . Cars can be very expensive and as we all know and once you drive it of the f…

CHRISTINA BRYON 23 Dec 2013

55 star rating

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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.