4.7+ Rating

FCA regulated

5858E6Approved since
2015

Quick support

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Temporary car insurance. Borrow a car. Share the trip.

With our short-term car insurance, getting covered is:

Flexible. Hours, weeks, days, months – whatever you need, it’s covered.

Fully comprehensive. So you can relax. With Cuvva, you’re in safe hands.

For (almost) everyone. If you’re aged 19-65, with a car worth less than £40k, you should be able to get car short-term car sharing insurance. (There are a few other exceptions.)

Always supported. Our in-app chat support is available 24/7, every day of the year. We’re free when you’re free. Ready to get covered? Get a quote online. Or download the app, sign up and get car sharing insurance in no time.

Hourly car insurance

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. And, if it’s not quite long enough, you can extend your policy in a few taps. So why pay for insurance you don’t need?
iPhone hourly
iPhone hourly

Daily car insurance

For the big moves and the day trips. One day car insurance offers short-term cover for big adventures. It’s perfect for a longer drive to visit friends and family. And it’s great for moving a bunch of stuff from one home to another. (Because moving is stressful and expensive enough without having to pay over the odds for car insurance.) So if you know you need more than a few hours, but you don’t want the hassle of being added as a named driver to someone else’s policy, one day car insurance could be right for you.

Weekly car insurance

For longer getaways, weekly car insurance is perfect. 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. If you need more than a day, but you don’t plan on driving regularly for the whole week, you might be better off getting daily car insurance and extending it before it runs out. You can extend through the app – in seconds.
iPhone hourly
iPhone hourly

Monthly car insurance

Monthly car insurance covers you for 28 days. It’s ideal when you need insurance for a bit longer, but you don’t want the hassle of being added as a named driver for one month’s cover. For the student’s back from the home, there’s no better option. And for the adventurous, it’s also perfect for 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.
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Short-term car insurance: who we can cover

We try to offer temporary car insurance to as many people as possible. But we do have a few restrictions on who can cover. It’s based on your:

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.

How our temporary car insurance 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.

 

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

Temporary car insurance: the details

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. 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 – your 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. And of course, 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.

Customer service at our core

Any questions? We’re here to help. All day, every day.