Temporary car insurance

From 1 hour to 28 days

Short term car insurance for hours, days or weeks
Extend instantly in the app
Sort it in under 5 minutes
Protect the owner's NCB
cartoon of 2 people sharing a car for temporary car insurance

What is Temporary car insurance?

Temporary car insurance is an easy way to share a long drive, or borrow someone's car, without needing to be added to the owner’s policy.
It’s fully comprehensive cover for when you need your own insurance policy fast. You can get temp cover for as little as 1 hour, and sign up in less than 5 minutes. It’s a good short-term alternative to an annually paid policy. Whether it's car insurance for an hour, a day or longer, you'll only pay for what you need.
There’s no waiting around for days for the policy documents to arrive in your post, it’s all sorted on your phone instantly.
Plus, if the worst happens and there is an incident, the vehicle owner’s no claims bonus will be protected.

Short term, flexible car insurance from Cuvva:

Only pay for what you need
Flexibility
Get temp cover for as little as 1 hour
Instantly extend your cover in the app if you need more time
All your policy docs sent to your phone via the app
Get insured in less than 5 minutes
Made easy
Sign up in the app or online
Drive straight away
Faster than being added as a named driver
Fully comprehensive cover
Peace of mind
The highest category of insurance available
The car owner’s no claims bonus will be protected
You’re covered for damage to the vehicle, damage to other people’s vehicles, personal injury claims plus much more

How does Temporary car insurance work?

It’s a short term car insurance policy, seperate to your (or the owner’s) annual car insurance. There are no deposits or credit checks like annual policies usually have. You just pay up front, then you’re free to drive.
Unlike adding a named driver to an existing policy, a Temporary policy protects the vehicle owner's no claims bonus in case of an accident.
Heads up: you won’t get a no claims bonus from a Temporary car insurance policy, though you can get this with pay-monthly car insurance policies, like Cuvva’s monthly Subscription.

Can I get Temporary car insurance on any vehicle?

Pretty much. You can use Short term car insurance to drive a friend’s, colleague’s or family member’s vehicle, and they won't have to cover the cost.
With Cuvva you can insure most UK-registered cars and vans in your name, as long as it's in insurance group 40 or lower, and valued at less than £40,000.
Lots of modifications are accepted, but some aren’t allowed. If it’s covered by a fleet policy, owned by a hire car company or is a courtesy car, it can’t be covered.

What's the cost of Temporary car insurance?

It varies by driver and car, but here’s an example of how much the average Citroen C1 driver pays for their short term car insurance:
• £10.54 for 1 hour’s car insurance
• £17.27 for 1 day’s car insurance
• £48.29 for 1 week’s car insurance
• £65.38 for 28 days’ car insurance
These are the average prices that Cuvva’s drivers pay for their temp cover as of September 2022.
phone with coins smiling on

How long does Temporary car insurance last?

Hourly insurance
Hourly car insurance is perfect for the morning milk run, moving a car, sharing a long drive, test driving a car or driving one home from the dealership.
Daily insurance
Daily car insurance is great for when you’re moving house, need full coverage without a current annual policy, or for those all-important trips to IKEA.
Weekly insurance
Weekly car insurance could suit when you’re borrowing a car or van regularly. Perfect for using your parents’ when visiting home, sharing a car on campus or even driving the North Coast 500.

What's included, and eligibility criteria

You get the highest level of cover on Temporary car insurance - fully comprehensive, just like you would with an annual policy.
What you’re protected against
Damage to your vehicle up to £40k
Damage to third party property up to £2m
Your legal liability to other people arising from an accident
Attempted theft
Theft
Fire damage
Carriage of own goods business use - for vans as well as cars
Up to £400 for after-fit audio equipment and £100 for your things
Driving after 10pm
Who is eligible for temp cover
For full licence holders, you’ll need to be aged 19-65 to use Cuvva for the first time. If you’re under 21, you’ll need to have held your licence for at least 13 months
We can insure existing customers up to the age of 71. You just need to have a policy with us before the age of 65
If you’re a provisional licence holder you’ll need to be aged 17 - 40 and not have held your licence for over 5 years
A GB licence holder (that means issued in England, Scotland or Wales)
There’s not a fixed number of accidents, claims or licence points that would stop you from insuring with us
Your car or van must
Be under 20 years old
Cars need to be worth less than £40,000
Vans/commercial vehicles must be worth less than £20,000
Meet our modification rules. We accept lots, including any to aid a disability, but there are some we can't insure
Not be in an insurance group higher than 40. If you have a car in a higher group, you might be able to use our subscription (pay monthly) cover
Not be scrapped or impounded temporarily
Not be a company car, a hire car or a vehicle on a fleet policy

What's not included

If you’re looking for extra cover with your Temporary car insurance, you may want to consider a Cuvva rolling monthly Subscription, which also covers:
EU driving cover
60 days fully comprehensive cover and then minimum third party afterward.
Locks and key cover
Lost or stolen keys up to the value of £400 (subject to your policy excess).
Child seat protection
Up to £150 cover for damage (subject to your policy excess).

How to get Temporary car insurance fast

Get insured and on the road in less than 5 minutes.
1
Get started on the app
It just takes a few clicks
2
Find your car
Enter your registration plate
3
Check your cover and pay
Get cover from as little as 1 hour up to 28 days
4
Extend whenever you need
If you need more time than you thought

Temporary car insurance alternatives

• Getting added as a named driver. This can be a cost effective way to get temp cover, though you could be at risk of illegal ‘fronting’ (when the named driver is actually the main driver). It also doesn’t protect the car owner’s no claims bonus in case the named driver was to have an accident. Both of these problems are avoided with Temporary car or van insurance.
• Cancelling an annual policy within the 14 day ‘cooling off’ period and driving in that time. Whilst this may be possible, your details will be passed to the Motor Insurance Database - and some insurers may use this information to refuse you both annual and short term car insurance in the future.
man looking at phone

Multi-driver Temporary coverage

Whilst you can’t get two people on one Temporary car insurance policy (we’re working on it! 😉) if you refer a friend and they sign up to a short term policy (e.g. a day's car insurance), you'll both get £10 worth of discounts on a future policy. You can use the discount to save money on any of our Temporary car insurance products, including learner driver insurance.
To refer someone in the app, tap the ‘Friends’ icon at the bottom of the screen. Then copy and share your referral link, or simply use the ‘invite’ button.
You can refer as many friends as you want, as long as they're brand new to Cuvva.
two women in car looking at each other

Other forms of Temporary car insurance

Learner driver Temporary insurance
Hourly car insurance for learners driving with a provisional licence
Up to 6 hours within a 24 hour period between 9am and 8pm
For driving someone else’s or your own car with a supervisor
Extensions in the app instantly
Monthly subscription car insurance
Rolling monthly car insurance
Can be used instead of annually paid insurance
No deposits, credit checks or hidden fees
Cancel with no fees when you need
Earn a no claims bonus as usual
Temporary van insurance
Hourly, daily, or weekly van insurance for commercial vehicles
Payouts up to £20,000 for accidents, theft, attempted theft, or fire damage
Carriage of own goods business use

Why Cuvva is faster and easier

Enjoy a better experience.
Notification reminders
Know when your policy is ending
Apple Pay support
For fast, secure payments
Licence scanner
Get your Temporary insurance set up at the speed of camera
World beating customer service
Get an average 1 minute human response in the app

Temporary car insurance common questions

Can I use Temporary car insurance to borrow someone’s car?
  • It's easy to get fully comprehensive Temporary insurance with Cuvva, which you can extend at any time using the app. Unlike some other Temporary insurers, you don’t need to have a specific relationship with the car’s registered keeper.

Any questions?

Forget automated replies and chatbots! Our customer support team is made up of real people - with an average one minute response time. We’re on hand between 6am and 1am every single day. If you have any questions about our short term car insurance, let’s have a chat.
customer support staff smiling

Already have a Temporary car insurance policy?

Get advice and answers from the Cuvva team on all of our short term car insurance policies, payment queries, privacy concerns and much more.
temporary car insurance policy with 12 hours left on phone

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