Monzo Max Insurance covers you even if you're a passenger or driving someone else's vehicle

You’re covered by your RAC breakdown cover even if you’re a passenger or you’re driving someone else’s vehicle. If you upgrade to Max family, this applies to your family members too.

You just need to make sure you’re in a UK registered vehicle that’s insured and has a valid MOT and road tax. You will still be covered as a passenger even if you don't have a driving licence.