About Covertime

Temporary insurance, made painless. Quick, affordable and exactly right for the moment you need it.

What we do

We provide temporary insurance for those moments when you need to insure a car for a short period of time, anywhere from a few hours to a day, a week, or even a month.

The way the UK does car insurance is changing. More drivers than ever are choosing flexible short-term cover over a traditional annual policy, because it lets you pay only for the cover you actually need.

Our car insurance policies are underwritten by a panel of FCA-authorised UK insurers: Allianz, First Underwriting, KGM and Somerset Bridge. When you buy through Covertime, the policy is issued by one of these regulated firms - experienced names in UK motor insurance with robust claims processes.

Who we are

We're a small team of friendly insurance experts who genuinely love what we do, and we love it so much that this isn't the first time we've done it.

Members of our founding team built Tempcover all the way back in 2006, creating an entirely new category of temporary insurance. Fast forward to 2025 and we're back doing it again, with over 50 years of combined experience helping people get safely on the road.

Covertime has been built from scratch on the very latest insurance technology, so your journey is smooth before you've even turned the key. And if you need a hand mid-quote, we're here and happy to help.

Over 700 customers have rated us 4.8 out of 5 on Trustpilot. Our policies are also available through Compare the Market, GoCompare and MoneySupermarket - platforms that independently vet the providers they list.

Regulated, accredited and independently reviewed

Covertime Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 1022738. You can verify this on the FCA register. We are also a member of the British Insurance Brokers' Association (BIBA) - the UK's leading professional body for insurance brokers and intermediaries. Our BIBA listing is publicly available in their broker directory.

We are rated 4.8 out of 5 from over 700 verified customer reviews on Trustpilot. Our policies are available through Compare the Market, GoCompare and MoneySupermarket - each of which vets the providers they feature before listing them.

These credentials mean that when you buy through Covertime, you are covered by regulated UK insurers, your policy is legally valid from the moment of purchase, and if a complaint arises that we cannot resolve, you have a defined, independent route to the Financial Ombudsman Service - free of charge.

Insurance shouldn't be a blocker. It should be an enabler.

That belief shapes everything we build.

Painless, not painful.
Quick, not laborious.
Should suit your budget, not break it.
Built to enable plans, trips and adventures, not block them.

A message from our CEO

Welcome to Covertime. For many years annual insurance was the only option, until our previous business showed there was an easier, more flexible alternative. Back in 2006 we created the temporary insurance category, and in 2022 we sold the business.

Many thought that was the end of our story, but it's really just the beginning. This time, better than ever.

Technology sits at the heart of everything we do. Covertime is built so that getting a quote is genuinely quick. Not 'indicative pricing' quick, but 'buy it and hit the road' quick. We're a small team obsessed with making insurance better for everyone, and we'll keep growing it through continual testing and the aggregation of marginal gains.

Every customer voice matters to us. I read our reviews every morning, so if you've used Covertime, please write a Trustpilot review or a Google review. Your opinion will be heard. And if you have an idea for how we could do this better, please drop us a line.

All the best,

Alan Inskip

CEO

In the press

Our launch in October 2025 was reported by Insurance Age, Insurance Post and Insurance Business Magazine - publications that cover the UK insurance industry exclusively and independently.