• Easy to use app
• Policies from 1 hour to 28-days
• Smart signup process
• Policy documents available instantly
Temporary car insurance provides cover for up to 28 days
Our monthly car insurance currently costs our users an average of £218.92 for 28 days, with the cheapest policy calculated at £78.40 for a 47 year old, driving a Ford Focus (insurance group 11).
Why buy monthly car insurance?
There are a number of things to bear in mind when determining whether a monthly temporary policy is best for you. If you plan to drive a car that is already insured (and there’s no risk of breaching CIE rules), depending on how frequently you drive, it might make sense to buy cover by the hour. The easiest way to calculate the best option is to look at the cost of an hour, then work out how many times you plan to drive and compare that to the cost of a month’s cover. The only quirk you may want to consider is the increase in premiums charged during risky periods (rush hour and weekend evenings) – this can increase the cost of policies purchased during peak times by up to 20%. If the car doesn’t have another policy, you will need to have a valid policy at all times while the vehicle is in your possession (as per the aforementioned CIE rules). Alternatively, it will need a Statutory Off Road Notice from the DVLA.
Buying / Selling your car
If you are selling your car, getting a month’s cover to tide you over before it is sold can be cheaper than renewing an annual insurance policy. The cost of a Cuvva short-term policy may be cheaper than the cancellation fees for an annual policy!
Monthly car insurance
In most instances, it only makes sense to take out 28 day cover if you are going to be using the vehicle very regularly or if there isn’t an underlying policy. If not, buying hours when you need to drive the car is likely to offer considerable savings.
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).
How it works
Create an account
Download the Cuvva app and sign up, in minutes.
Search for the vehicle
Enter the registration plate of the vehicle you want to get covered on.
Choose how long
From 1 hour to 28 days, to cover all your driving needs.
Pay for the policy and drive away. There's even the option to extend!
What monthly car insurance is likely to cost you
Prices from June 17 to December 17
|Birmingham||£130.30 Hyundai Getz, driver 63||£267.54 Volkswagen Polo, driver 27|
|London||£88.24 Peugeot 307, driver 52||£633.09 BMW 320d, driver 20|
|All UK||£78.40 Ford Focus, driver 47||£633.09 BMW 320d, driver 20|
Watch how our monthly insurance works
What our customers love
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!
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.
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.
Frequently asked questions
Who can we cover?
We have worked hard with our underwriter to offer insurance to as many people as possible. It is currently 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).
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 cannot cover
What vehicles can we cover?
Currently, we can insure cars and vans. There are a number of variable rules set by our underwriter that affect what vehicles you can get insured on such as how long you have held your licence and the insurance group of the vehicle. Also, there are some set rules, which are:
- cannot be older than 20 years old
- cannot have modifications of any kind
- cannot be scrapped
- cannot be impounded
- must be valued at above £1 and below £40,000
- cannot be older than 20 years
- must be between insurance groups 1 - 20
- cannot have modifications of any kind
- cannot be scrapped
- must be valued at above £1 and below £20,000
That is not an exhaustive list but it gives you a good indication of what vehicles we can currently insure. As we continue to grow, the range of vehicles we can insure should always keep expanding.
To see if we can insure you on a specific vehicle it's best to get a quote in our app.
What will you need to purchase insurance from us?
To purchase temporary car insurance through Cuvva, you will need to download our app on your phone. 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
If you have a problem using the app or purchasing insurance and you would like to speak to us, the easiest way to do so is using our online chat function. This can be done in app, on the website (using the speech bubble) or by emailing email@example.com. On average, we will get back to you within 2 minutes!
Motor Insurance Database (MID)
All purchased car insurance policies are added to the MID (Motor Insurance Database) and any policy can be checked by visiting the AskMID website. Unfortunately, the database updates irregularly, sometimes as little as once a week and, in addition, the police ANPR camera database is updated weekly. This can mean that the police may stop you for “driving without insurance” when you are fully insured. If this happens you can show the officers your policy documents and ask that they do a live MID check.
The excess is dependent on a number of factors taken into account for the generation of a quote. It can, therefore, fluctuate depending on the driver, the vehicle and the location.
The excess is visible before purchase once a quote has been generated – this is labelled “Mandatory Excess”. Cuvva currently has no voluntary excess but we hope to offer this in the future.