FCA regulated

5858E6Approved since
2015

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The benefits of one hour car insurance

The use cases for hourly car insurance are numerous. There are also benefits for the owner:

  • Their no claims bonus will be protected
  • They won’t have to waste their day trying to get through to their insurer on the phone
  • It will normally be much cheaper than being added as a named driver
  • Registration and getting a quote only takes an average of 2 minutes

Car sharing

Typically, we find younger drivers use short-term cover as an alternative to car sharing sites. The main advantages of Cuvva are:

  • Wider age group (from 19)
  • No upfront membership fee
  • No waiting time for confirmation
  • Cheaper and easier to borrow a friend’s car

With most car trips lasting less than 1 or 2 hours, buying daily car insurance may not always make sense. Depending on your driving needs, buying a couple of 3 hour blocks may still be significantly cheaper than the daily average cost. Allowing you the flexibility to only pay for what you need and potentially save money.

Hourly

Just need to borrow a car to pop to the shops? An hour could be perfect.

Daily

Making a few journeys? Probably best to have cover for the day.

Weekly

Need the flexibility to hop in the car throughout the week?

Monthly

Borrowing a car for a longer period of time? Our 28 day policies could be perfect.

Reasons for daily cover

Sharing the driving

Driving long distances is exhausting. It doesn’t make sense for one person to do all the driving when you have a car full of people. Unfortunately, this is what normally happens – the admin and cost of adding a temporary additional driver is too high and the owner’s no claims is then at risk. Using Cuvva for hourly insurance is a simple and easy alternative. If split, the average cost should be around £2 per hour, per person!

Test drive insurance

Before buying a car, the chances are that you will want to test drive it. Paying around £35 for a day’s insurance when you’re going to drive for 30 minutes is, however, steep and grating, especially if you plan to test drive a few different vehicles. With hourly prices being significantly cheaper than daily policies, you may be able to test drive 4 cars for the price of one! We’ve put together a guide on test drive insurance with tips on how to approach the process.

Trying out your friend’s car

We’ve all been there: someone we know has purchased a dream vehicle, be that a Porsche, a BMW or maybe a Tesla and we’d love to have a go driving it. This may often just not be possible as the cost of insurance is prohibitive. Assuming you aren’t really young and don’t have points on your licence, Cuvva may be able to offer sports car insurance (provided the car isn’t worth more than £40,000 and above insurance group 49). It’s also worth checking this won’t put your friend’s No Claims at risk.

Staying with friends

When going on a UK mini-break, there are times you may be offered access to a car. This would provide you with flexibility and freedom throughout the holiday but there’s then often a problem around insurance. The time, effort and costs associated may not seem worth it for such a short period. Cuvva provides the opportunity to avoid all of these pain points. As long as you have a UK DVLA driving licence, you can buy a policy in minutes.

Emergency temporary car insurance

Driving long distances is exhausting. It doesn’t make sense for one person to do all the driving when you have a car full of people. Unfortunately, this is what normally happens – the admin and cost of adding a temporary additional driver is too high and the owner’s no claims is then at risk. Using Cuvva for hourly insurance is a simple and easy alternative. If split, the average cost should be around £2 per hour, per person!

1 hour car insurance

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.
iPhone hourly
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 (full policy rules).

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.

Greater flexibility with hourly car insurance

Cuvva was the first insurance company to bring hourly car insurance to the UK. We wanted to be able to offer people to get insured for a few hours without having to go through the hassle of entering all your details on a website over and over again. If you find yourself needing to extend the length of your policy, you can purchase policy durations starting from 30 minutes in a couple of taps.

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 can we cover?

 

We have worked hard with our underwriter to offer temporary car insurance to as many people as possible. It is currently available to:

  • learner drivers between 17-45
  • 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).

We only offer cover to holders of UK DVLA licences, on cars valued between £0 - £40,000 and up to insurance group 49 for experienced drivers. Check our full short term insurance policy rules for full details on who we can (and can't) cover.

What vehicles can we cover?

Currently, we can insure cars and vans. But there are a few rules around the types of vehicles we can insure. These are set by our underwriter. They cover things like how long you've had your licence, and the insurance group of the vehicle. Also, there are some set rules, which are:

For cars:

To get short-term car insurance, your has to be valued above £1 and below £40,000, and it can't be:

  • Older than 20 years
  • Modified
  • Scrapped
  • Impounded

For vans:

Vans have to be valued above £1 and below £20,000 to be eligible for our temporary van insurance, and they can't be:

  • Older than 20 years
  • In an insurance group higher than 20
  • Modified
  • Scrapped

That's not an exhaustive list, but it gives you a good indication of which vehicles we can insure. We're always working with our underwriters to offer short-term car insurance to a wider range of drivers.

To see if you're eligible for temporary insurance, it's best to get a quote in the app.

What will you need to purchase insurance from us?

To buy temporary car insurance through Cuvva, you'll need to download our app. To register, you will need to have:

  • A photo of government approved photo ID (typically, this will either be your passport or your Driving Licence)
  • A UK DVLA driving licence number (we use this to check whether you have any motoring convictions and to verify the name, address and date of birth)
  • Your own UK debit/credit card to make the payment
  • Declared all incidents (at fault/not at fault) that you have been involved, as a driver, passenger or named driver, in the last 5 years.
  • Been a resident in the UK for the past 3 years or have been a long-term resident within the last 5 years who’s back visiting the UK.
  • Permission from the owner of the vehicle
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.

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. For Cuvva customers, this can be a problem. When you buy short-term 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.

If you get pulled over, there's no need to panic. Even if your temporary car insurance isn't showing up in the MID, it's still legal and valid. Just show the officer your policy documents and you should be good to go. You can find them in the app. We'll also email you a copy when you buy your policy.

 

Excess

The excess is an amount you have to pay when you make a car insurance claim. Our short-term car insurance doesn't have a voluntary excess, and the mandatory excess changes depending on the person buying the policy, the vehicle they're driving, and they location they're driving in.

You can see the excess in the app before you buy your temporary car insurance. It's called the "mandatory excess".