No, receiving a life insurance quote does not mean you are covered. Cover normally starts only after you have completed an application, the insurer has accepted it, and the policy is in force, often once the first premium has been paid. Some providers may offer temporary or interim cover while assessing an application, but this depends on their terms and may have limits or exclusions. Check your policy documents or ask the FCA-authorised provider to confirm the exact start date and what is covered.