This is different for each vehicle. The owner either has an annual policy with their own insurer, or uses Day Insure. If they have their own policy, you are covered. However, you may have to provide some additional documents to the owner.
If they use Day Insure, you have to get a policy in place before you can pick up the vehicle. Camptoo will send you a link and instructions on how to do this. You’ll be refunded the costs of the insurance within 5 business days.