4.7+ Rating

FCA regulated

5858E6Approved since
2015

Quick support

24/7 SupportAverage 1 min
response

It’s car insurance – but not as you know it

With hefty deposits and sneaky fees, paying monthly for car insurance usually means a bad deal for drivers. We’re building a new kind of pay-monthly car insurance. It’s fast, flexible and fair.

Monthly payments, no deposit

Monthly payments, no deposit

All the benefits of pay-monthly insurance, without the hefty up-front deposit.
No long term contract

No hidden fees

We don’t do sneaky fees. With Cuvva, your price is clearly shown in the app before you buy. What you see is what you’ll pay.
Cancel anytime, no fees

Cancel anytime

You can cancel your policy at any time in just a few taps, with no cancellation fees.
No deposit or loan

An end to high-interest loans

Paying for car insurance by the month is expensive. Much more expensive than paying for a whole year in one big go.   That’s because, by paying monthly, you’re effectively getting a high-interest loan from your insurer.   And with some insurers, the price increase is equivalent to a 40% APR loan.   We don’t think that’s fair. That’s why we don’t bump up your premiums because you choose to pay monthly. So you can be sure you’re paying for the cover you need – not some inflated loan from your insurer.   Source: https://www.moneysavingexpert.com/car-insurance/

Insurer APR if you pay monthly
Admiral 17.5%
Aviva 21.9%
Churchill 29.4%
Endsleigh 39%
Hastings Direct 29.9%
RAC 30.9%

Fully comprehensive cover

We’ve got your back. With Cuvva, your car insurance is fully comprehensive. We’ll let you know exactly what you’re covered for.
drive less, pay less
drive less, pay less

All bought through the app

Customer service, viewing your documents, buying and cancelling – with Cuvva, it’s all done through the app. That means no more paperwork, and no more waiting on hold.

The added benefits

Choose your excess

Insurance should be flexible. That’s why, with Cuvva Monthly Subscription, you choose the excess.

Price breakdown

We’ll show you exactly what you’re paying for. So you’ll know what you’re getting, and where your money’s going.

Your MOT and tax data

One convenient place to see all your data. You’ll never miss the deadline again.


Customer service – all day, every day

We’re free when you’re free. Get 24/7 customer support through our in-app chat. And we’ve got an average 1-minute response time.

👋 Real human support everytime

👋 Average 1-minute response time


 

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

Pay-monthly car insurance: the details

What's covered
  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.
How excess works
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 choose to add a higher excess to bring the premium down. But you should make sure you’d be able to pay it if you had to.
Business use
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.

The no-claims bonus
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.
Billing
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.