Eligibility varies depending on the insurer and whether you’re insuring a car or van, so we’ve popped a summary together below 👇
Can we cover you?
✅ Holds a full or provisional UK licence
✅ Lives permanently in England, Scotland or Wales
✅ Has a roadworthy UK-registered vehicle
✅ Meets our insurer eligibility criteria around claims, points and convictions
🪪 Driver Requirements
🪪 Driver Requirements
Car insurance Full UK licence: must be aged between 21 and 75 years at the time of application.
Car insurance Provisional UK licence: must be aged between 17 and 75 years at the time of application, and be supervised by a suitable person, Aged over 25, who has held a full UK licence for at least 3 years.
For van insurance: must be aged between 22 and 69 years at the time of application.
At this time we can only accept full UK or provisional licences issued in England, Wales and Scotland. If you've held your full licence for less than 6 months sadly, we can't offer you a quote at this time. You must have held a full UK licence for 12 months for van insurance.
Must be a permanent GB resident with a fixed residential address in England, Scotland or Wales for at least 12 months.
For car insurance: Must have no more than 6 licence points issued in the last 3 years.
For van insurance: Maximum 3 penalty points
Must not have been disqualified from driving in the last 3 years.
For car insurance: Must have no more than 1 fault / 2 no fault claims or losses in the last 3 years.
For van insurance: No previous claims in 3 years
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).
🚙 Vehicle Requirements
🚙 Vehicle Requirements
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 £800.
Must have a current market value of less than £65,000.
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.
🚐 Van-specific Requirements
🚐 Van-specific Requirements
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 van to a pre-booked MOT appointment).
Must have valid road tax (unless the purpose of the insurance is to tax the van).
Must have a minimum value of £1,500.
Must have a current market value of less than £40,000.
Is no more than 3.5 tonnes GVW (gross vehicle weight).
🚗 About the use
🚗 About the use
If the vehicle is not yours, you must have permission from the legal registered keeper to insure and use the vehicle.
The vehicle must start and end its journey in the UK and must not be imported or exported during the policy duration.
Requirement | Car insurance | Van insurance |
Minimum age | 21 | 22 |
Maximum age | 75 | 69 |
Licence held | 6+ months | 12+ months |
Penalty points | Max 6 | Max 3 |
Claims history | No more than 1 fault / 2 non-fault claims in the last 3 years | No claims in 3 years |
What we currently can't cover
❌ Drivers disqualified within the last 3 years
❌ Drivers with unspent criminal convictions
❌ Left-hand drive vehicles
❌ Vehicles registered outside Great Britain
❌ Vehicles over £65,000 (£40,000 for vans)
A quick note
To be eligible for cover, you’ll need to meet the criteria throughout your policy and comply with any licence restrictions that apply to you.
Because eligibility can vary between insurers, we’ll always show important declarations for you to read and agree to during the quote journey before payment.
The quickest and easiest way to know if we can cover you is by getting a quote online or in the Covertime app!
If you’re unsure whether we can cover you, our team (and Phil 🤖) are always happy to help.