FCA regulated

5858E6Approved since
2015

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Just some of our reviews from customers

Our temporary car insurance could help you save.

Through Cuvva, it’s now possible to get comprehensive, cheap, one hour car insurance through the first mobile app-based car insurance platform. Policy durations start from one hour and go up to 28 days. If you ever need the flexibility to extend a policy, you can do so in a couple of taps.

Registration takes a couple of minutes and once you’re done, buying cover whenever you need it, takes seconds!

Temporary car insurance for when you need it

Hourly

Cuvva offers hourly car insurance from one hour to 28 days and the flexibility to extend policies in a couple of taps. Compared to traditional temporary car insurance which only offers policies longer than one day, hourly policies open up more use cases like car sharing and borrowing a friends car.

Daily

If you plan to use a car on and off throughout the day, buying a daily policy will give you the most flexibility, with less time constraints than hourly policies.  A couple of hourly policies may well work out cheaper than a daily policy if you have a clear idea of journey times.

Weekly

Weekly temporary insurance only makes sense if you are going to be driving for at least one hour every day or when there isn’t an underlying policy. (Don’t forget, you should always abide by Continuous Insurance Enforcement laws.)

Monthly

In most instances, it only makes sense to take out 28 day cover if you are going to be using the vehicle very regularly or if there isn’t an underlying policy. If not, buying hours when you need to drive the car is likely to offer considerable savings.

Who we cover

Insurance is available to learner drivers between 17-45 and full licence holders between 19-65 (although if you’re aged between 19 and 21, you must have held your licence for at least a year and have no at-fault claims).  It is available on vehicles with and without another insurance policy on the car.

Short term car insurance: how it works

A hand holding a phone that displays someone's profile

Create an account

Download the Cuvva app and sign up in minutes.

A hand typing a car registration into an app

Find your vehicle

Enter your registration plate.

App screens showing one hour, two hours and three hours of insurance

Pick a policy

Get cover for as little as one hour, or as long as 28 days.

Animated characters driving a car.

Drive!

Pay for the policy and drive away. You can extend it in seconds.

What our customers love

Luke

What a fantastic app and company to use. Cuvva have made something that used to use up a fair amount of time and effort into something so simple! Once set up on the app it actually takes 30 seconds to be insured!

Luke
Donna

Easy to use and gives peace of mind. My husband could borrow my friend’s car for a couple of hours work – no hassle whatsoever.

Donna
Emeka

The whole concept behind Cuvva changes the rules on car insurance and creates a genuinely useful and innovative way to think about driving. I would recommend the app without any hesitation.

Emeka

Frequently asked questions

Who we can cover

Age

To get temporary car insurance with Cuvva, you have to be aged between 19 and 65. 

And if you’re younger than 19, you need to have held a full licence for at least a year, with no at-fault insurance claims.

For learner drivers, the requirements are a little different. You just have to be aged between 17 and 45.

Driving licence

You need to have a GB driving licence to get a short-term car insurance policy with Cuvva, even if you’re not a UK national.

(You also need to be in Great Britain when you buy your policy. The app doesn’t work in other countries.)

Vehicle

There might be some vehicles we can’t cover you for. It depends on how long you’ve been driving.

The faster and more expensive your car, the more experience you’ll need to have to get insured with Cuvva.

The best way to find out if you can get insured on your vehicle is to get a short-term car insurance quote in the app.

How our short-term car insurance works

All our temporary car insurance policies are sold through the app. So to get started, you’ll need to download it for iOS or Android.

Once you’ve done that, you need to:

1. Sign up

Just pop your email address in to the app and wait for a confirmation email. Remember to check your spam folder if it doesn’t come through straight away.

(If you’re using Gmail, check your “Promotions” folder - it can get lost in there, too.)

Then tap the magic link in the email, and you’ll be signed up in no time.

2. Fill in your profile

Then we’ll need to know a little more about you. It’s the usual questions you’d expect from your insurer: name, date of birth, address and driving licence number.

You’ll also need to tell us about any incidents you’ve been involved in over the last 5 years, send us a selfie, verify your mobile number and scan some form of valid, government-issued UK ID.

And then you’re done. And all that info is stored in the app. So next time you want to buy a policy, you won’t have to fill it all in again.

3. Pick your policy

Now you just have to type in your car’s registration number and choose how long you want to be covered for.

You can get covered for as little as an hour, all the way up to 28 days.

And if you realise midway through your policy that you need a bit more time, you can extend through the app in a few taps.

4. Check the details and pay

Before you pay, you’ll be able to see all the details of your policy in the app. That includes things like:

  • How much your policy will cost
  • What the excess is
  • How long your policy will last
  • Your level of cover

When you’re happy, you can carry on and pay. As soon as your payment goes through, your policy will start, and you’ll be insured.

Buying a policy

Taking a vehicle photo

When you buy a policy for the first time, we’ll need you to take a photo of the whole front of the vehicle. It needs to be taken “live”, which means it has to be taken at the time, in the app. You can’t upload an old photo. 

That means the vehicle needs to be nearby when you buy the policy.

(We ask for this so we know what condition the vehicle’s in, just in case you do need to make a claim.)

You’ll also need to give the app access to your location. We’re not being nosey - location is one of the things we use to work out the price of your policy. 

Buying in advance

Once you’ve paid for your short-term car insurance, your policy will start. 

It will start straight away. For now, there’s no way to buy temporary car insurance with Cuvva in advance.

But if you would like to buy in advance, get in touch with us through the app and let us know. That kind of feedback is really helpful when we’re deciding what features to add.

What's covered

All our temporary car insurance policies are fully comprehensive. That means you're covered for:

  • Damage to your vehicle and other people's - up to £40,000
  • Damage from fire
  • Theft
Vehicles we can cover

You can get temporary car insurance for most cars and vans. But there are some we can’t insure.

Cars have to be worth more than £1 and less than £40,000.

And they can’t be:

  • Older than 20 years
  • Modified
  • Scrapped
  • Impounded

Vans have to be valued between £1 and £20,000. And they have to be in an insurance group lower than 20.

Those are the main things to look out for. But there might be a few other restrictions from time to time set by our underwriters. 

To double-check we can cover you, it's best to get a quote in the app.

If you have a problem using the app or buying short term insurance, get in touch! Our in-app chat is available 24 hours a day, 7 days a week. On average, we'll get back to you within 1 minute.

The excess

There are two kinds of excess: mandatory and voluntary.

We only offer mandatory excess on our short-term car insurance policies. The amount changes depending on the person buying the policy.

We take a lot of different things into account when we work out your excess, including: 

Your age. Younger drivers tend to have a higher excess than older, more experienced drivers.

The vehicle you’re driving. Faster, more expensive cars tend to come with a higher excess.

Your location when you start the policy. If you’re based in an area where there are lots of incidents, your excess will go up a little.

We don’t offer voluntary excess, and you can’t adjust the mandatory excess. But it’s always shown clearly in the app before you buy a policy.

Extending your policy

If you think you might need a bit more driving time, you can extend your policy in the app in just a few taps.

You can extend as soon as you’re a quarter of the way through your policy.

Extending is flexible. So if you bought a month-long policy in the first place, you can extend it for just a couple of hours, if that’s all you need.

How we price our temporary car insurance

Whenever you buy insurance, the price is worked out based on lots of different bits of information.

To figure out the price for short-term car insurance, we look at:

  • Your age
  • The vehicle you’re insuring
  • The time of you day you buy the policy
  • Where you live 
  • Where you are when you start the policy
  • Claims and convictions

When you get a quote in the app, you can tap on “what affects my price” to see what’s making your policy more or less expensive.

Payment methods

You can pay for your short-term car insurance using any major debit or credit card (including AMEX) and Apple Pay.

We can’t accept PayPal or bank transfer, and Android users can’t use Google Pay. (We’re working on it.)

You can only pay for temporary car insurance policies with your own card, and you can only buy them for yourself. We do this to stop fraud. 

The owner's insurance isn't affected

If you’re borrowing a car, and the owner already has an underlying policy, your short-term car insurance won’t affect their underlying insurance at all. Even if you went and crashed the car.

It wouldn’t increase their price when they come to renew their car insurance. And it wouldn’t affect their no-claims bonus, if they have one.

But it is worth letting the owner know exactly what you’re covered for. That way, if you do have a crash, they’ll know exactly what damage is covered.

You can do that by sending them a copy of your policy documents. You can find them in the app. We’ll email you a copy, too.

But do make sure you get the owner’s permission before you insure their car.

Why you need an underlying policy

There’s a very boring but very important law in the world of car insurance called Continuous Insurance Enforcement (CIE).

It basically means that cars have to be insured all the time - not just when you’re driving them.

That means you can’t buy temporary car insurance just when you want to drive, and then leave your car uninsured the rest of the time.

We wrote a bit more about CIE laws on our blog.

Short-term car insurance for business use

Our temporary car insurance includes class 1 business use as standard.

Not all car insurance policies cover you for business use - especially short-term ones.

Most of them only cover you for what’s known as “social, domestic and pleasure” use. That means you’re not covered for work-related driving (other than your commute), like visiting clients.

Contacting support

If you have a problem using the app or buying short term insurance, get in touch! Our in-app chat is available 24 hours a day, 7 days a week. On average, we'll get back to you within 1 minute.

Referring a friend

When you refer a friend, you both get £10 off your next short-term car or travel insurance policy.

Just go into the app, tap the profile icon the top-left corner, and scroll down to “refer a friend”.

But the discount won’t be applied to your account instantly. It won’t come through until the person you refer redeems the discount.

The Motor Insurance Database (MID)

When you buy a car insurance policy, it's added to the Motor Insurance Database (MID). You can check the MID to make sure your car's insured, and the police can also use it to check that your car's insured.

But the MID can take a little while to update. When you buy temporary car insurance, the MID doesn't always get updated by the time you're on the road. We send your policy to the MID as quickly as possible, but sometimes it just doesn't update quickly enough.

But don’t worry. Even if your temporary car insurance isn't showing up in the MID, it's still legal and valid. As long as you’ve got your policy documents, you’ll be good to go. You can find them in the app. We'll also email you a copy when you buy your policy.