Question 1

What's covered

Accepted Answer

Our pay-monthly car insurance is fully comprehensive. That means your policy covers you for loss and damage to your vehicle. It also covers you for damage and injury caused by your vehicle, too.

You can find more information in the policy documents.

Question 2

How excess works

Accepted Answer

The excess is the amount you'll have to pay if you make a claim.

The mandatory excess is set by the underwriter. You can't change it. It's worked out based on a number of things, like your licence details and the vehicle you're insuring.

But you also have the option to add a voluntary excess. You can add a higher excess to bring the premium down. But make sure you'd be able to pay it if you had to.

Question 3

Business use

Accepted Answer

You can use your Cuvva policy for class 1 business use. This means it covers some work-related things but has a few restrictions.

What's covered

You can use Cuvva for all things social, domestic and pleasure. But you're also covered to drive to and from your regular place of work.

And if you need to make short journeys for work, like going to the bank or visiting a client, that's covered too.

What's not covered

You can't use Cuvva for hire vehicles, commercial travelling, racing, pacemaking, speed testing, competitions, rallies, trials or any purpose in connection with the Motor Trade. If you have questions, chat to us in the app.

Question 4

The no-claims bonus

Accepted Answer

If you've driven for over a year without making any claims on your insurance, congratulations! You'll have earned a no-claims bonus – so you can make a saving on your insurance premium.

Your insurer should send you proof at the end of your policy. But if not, you can ask them for it. Then send it to us and we'll take care of the rest.

Just so you know, your no-claims bonus can only be used on one policy.

Question 5

Billing

Accepted Answer

Your policy will roll over every month unless you cancel it.

It will start on the same date each month.

So if you get your first policy on the 10th, it'll start every month on the 10th. Unless you got your first policy between the 29th and the 31st – then your start date will be the 28th.

You can check your start date in the app.

We'll take the payment 7 days before the start date each month. But you can still cancel within those 7 days and get a full refund.

Your monthly payments will be fixed for a year unless your details change.

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