Get a quote

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

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

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.

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

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…

jennifer Savage 10 Oct 2025

55 star rating

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

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.

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…

Liam Boyle 6 Nov 2025

55 star rating

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

Michael Dietz 13 Nov 2025

55 star rating

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

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

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.

Mark Tait 23 Nov 2025

55 star rating

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

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.

Heather Smith 28 Oct 2025

55 star rating

Used several times only claimed once due to car being stolen, excellent customer service and speedy service in payment

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.

Phillip Bee 27 Sep 2025

55 star rating

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

Alan Stewart 20 Oct 2025

55 star rating

Excellent website which is easy to use and a range of policies to suit your needs. The price of the policy I chose was very competitive and cheaper than most. I also liked the high…

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.

Peter W 3 May 2017

55 star rating

Very clear website - the best of the several we looked at. A couple of small queries were quickly answered by very friendly and efficient staff. Policy cost less than half the pric…

Jane Evans 18 Dec 2013

55 star rating

Best Value

Adam Roofe 18 Jun 2021

55 star rating

excellent website really easy to follow and very quick to obtain quote and purchase

Dave Evans 23 Dec 2013

55 star rating

Insured within 5 minutes and incredibly competitively priced compared to the finance company's own offering - Highly recommended!

Aidan O'Carroll 31 Jan 2022

55 star rating

Straightforward and excellent value for money compared to the dealers prices.

Darryl Gore 18 Dec 2013

55 star rating

Found this product considerably cheaper than what was offered by the Dealership...

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.