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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

Liam Boyle 6 Nov 2025

55 star rating

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

Phillip Bee 27 Sep 2025

55 star rating

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

Mark Tait 23 Nov 2025

55 star rating

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

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

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.

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

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

jennifer Savage 10 Oct 2025

55 star rating

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

David Smith 18 Nov 2025

55 star rating

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

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.

Kirstie Skinner 17 Dec 2025

55 star rating

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

Angela B 20 Sep 2025

55 star rating

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

darren birch 8 Jan 2024

55 star rating

used before and experienced great service, thats why im back

Lee Appleyard 3 Feb 2025

55 star rating

Hayley on the phone was great

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.

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…

Lee Haworth 28 Sep 2025

55 star rating

Excellent. Easy to buy. Much cheaper than dealership GAP

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

Kelly Goodyear 2 Mar 2021

55 star rating

Easy to get a quote and process - much cheaper than using a dealer! Wish I had known about them sooner!

Judith Hole 18 Dec 2013

55 star rating

Did lots of research but the decision was based on telephone call. I spoke to James who was very helpful and explained everything to me. Fell as though I have had good value for mo…

Charlotte Rowe 23 Dec 2013

55 star rating

Prices, they seemed very reasnable and easy to do thank you

Mark Templeman 23 Dec 2013

55 star rating

Had a query about deferring my start date for a new car and the call was answered quickly by a very knowledgeable and helpful chap who handled my query in a friendly and profession…

Sylvia Ossel 18 Dec 2013

55 star rating

It was the most competitive quote for the product I was interested in. The information provided was comprehensive and in plain English.

Andrew B 17 Dec 2013

55 star rating

Easy to quote and buy. Good product

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.