FCA regulated

5858E6Approved since
2015

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Monthly car insurance in a few taps  

Our monthly car insurance only takes a few minutes to sign up for, then when you want to purchase a policy, it takes seconds. If you need a shorter policy duration, we also offer car insurance policies starting from just one hour.

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!

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.

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.
28 day temporary car insurance - left
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.

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".