Temporary car insurance

Short term car insurance from Cuvva. It's fast, flexible and fully comprehensive. So borrow a car. Share the drive. And get behind the wheel in minutes.

FCA regulated

FCA regulated

since 2015

Human support

Human support

in the app

4.8 rating

4.8 rating

on Trustpilot

A better kind of car sharing insurance

Hourly

One hour car insurance – for the car sharers and the test drivers.

Hourly insurance is perfect for sharing a long drive, borrowing a friend's car, or taking a car for a test drive.

Just sign up, buy a policy, and you'll be ready to get behind the wheel in a few minutes.

If it's not long enough, you can extend your policy in a few taps.

Daily

For the big moves and the day trips. One day car insurance offers short-term cover for big adventures.

It's perfect for longer drives.

And it's great for moving a bunch of stuff from one home to another. (Which is stressful enough.)

Weekly

Weekly car insurance is great for those longer getaways.

One week car insurance is also perfect if you're trying to sell your car, and you need to keep it insured while you find a buyer.

You can extend through the app – in seconds.

Monthly

Monthly car insurance covers you for 28 days.

It's ideal when you need insurance for a bit longer, but don't want the hassle of being a named driver.

It's for the students back home from uni, and those longer driving trips around the UK.

Drive away insurance

Take some of the hassle out of buying a new car with short-term car insurance.

Our temporary car insurance is fully comprehensive. So if you're test driving a car, or driving a car home after buying it, you'll be covered.

So that's one less thing to worry about.

Short-term car insurance: how it works

Sign up
Fill in your profile
Pick your policy
Pay
Drive!

1. Sign up

Just download Cuvva, and then pop your email address in to the app.

We'll send you a magic link. Use this to set up your account.

Who we cover

Here's the need-to-know bit. We do have a few restrictions on who we can cover.

You have to:

Have a GB driving licence from the DVLA

Be under 65

Be at least 19 - and if you're under 21, have had your licence for a year, with no at joint-fault claims

Have a vehicle less than 20 years old

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
Your current location
Policy length
The time of day you buy the policy
The vehicle you're insuring
Claims and convictions

When you get a quote in the app, you can tap on "What's affected your price" to see what's making your policy more or less expensive.

Short term car insurance: what’s covered

Fully comprehensive

Fire, theft, damage - with Cuvva, it’s covered. You’re insured for up to £40,000 of damage.

What’s covered
Extend in a few taps

Need a little longer? Once you’re a quarter of the way through your policy, you can extend instantly.

How to extend
Get referral discounts

Invite a friend to use Cuvva, and you’ll both get a £10 discount when they buy their first policy.

Refer a friend
The owner’s insurance isn’t affected

Borrowing a car? When you use Cuvva, the owner’s insurance won’t be affected - even if you crash the car.

Owner's info
Class 1 business use as standard

Driving for work? Cuvva includes class 1 business use as standard.

Business use
24/7 support

Need a little help? You can get in touch with us 24/7 through the app. We usually reply within a minute.

Contacting support

Car insurance. The way it should be.

Forget the paperwork. Forget the call centre queues. Forget the jargon.

Join 200,000 people who are choosing a new kind of insurance. One that's fast, flexible and clear.

phone app

Here to help, whenever you need it

We're free when you're free. With customer support available all day every day, you can always get help when you need it.

24/7 support in the app
Average 1-minute response time
Our customer service

Refer your friends and get £10 off

Tell your friends and family about Cuvva and you'll both get a £10 discount when they buy a policy.

Get sharing

Who's eligible for temporary car insurance

Age

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

And if you're younger than 21, 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.

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.

Vehicles we can cover

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.

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.

Paying for short-term car insurance

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.

Continues Insurance Enforcement (CIE)

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.

Get Cuvva, and get driving

Download the app to start.