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What we can cover

What we can cover: the what, the where and the who

Updated over 2 weeks ago

The car insurance policies that we provide have been tailored for people with a full UK driving licence, who require comprehensive car insurance for a short period of time whilst living and driving in the UK.

About the driver

  • Must be aged between 21 and 74 years at the time of application.

  • Must hold a full GB driving licence and have done so for at least 6 months at the time of application.

  • Must be a permanent GB resident with a fixed residential address in England, Scotland or Wales for at least 2 years.

  • Must have no more that 6 licence points issued in the last 3 years.

  • Must not have been disqualified from driving in the last 5 years.

  • Must have no more than 1 accidents, claims or losses in the last 3 years regardless of fault/blame.

  • Must not have had a previous policy of insurance voided by an insurer.

  • Must have no criminal convictions, no current Anti-Social Behaviour Order (ASBO) or Criminal Behaviour Order (CBO) and do not have any unspent criminal convictions (except for those resulting from motor offences).

  • Must only apply for a quote on a vehicle that you are legally able to drive (e.g. where you have an automatic licence, you may only drive an automatic car).

About the car

  • Is registered in Great Britain (please note this includes England, Scotland and Wales and excludes Northern Ireland, the Isle of Man, the Channel Islands or any other state).

  • Is right hand drive only.

  • Must be in a roadworthy condition with a current and valid MOT (unless the purpose of the insurance is to take the car to a pre-booked MOT appointment).

  • Must have valid road tax (unless the purpose of the insurance is to tax the car).

  • Must have a minimum value of £1,500.

  • Must have a current market value of less than £50,000.

  • Is no more than 3.5 tonnes GVW (gross vehicle weight).

  • If the car is leased, the lease must be for a duration of 12 months’ or more.

About the use

  • If the car is not yours, you must have permission from the legal registered keeper to insure and use the car.

  • The car must start and end its journey in the UK and must not be imported or exported during the policy duration.

What this means is, to be eligible for a policy with Covertime, you must at all times meet the above criteria and you must always comply with any driving licence restrictions that may be applicable to you.

If you have any queries about whether you can meet these criteria, or if your circumstances change and you can no longer meet these criteria, you must let us know as soon as possible by emailing [email protected] or messaging us on our live chat.

Need to check what we can't cover? Take a look here.

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