Car sharing insurance

Borrow or rent a car from a friend, or lend yours out with short-term peer-to-peer car or van insurance

9 million+ policies sold
2 million+ cars insured
2 people car sharing

Can you get insurance for peer-to-peer car sharing?

Yep, and it’s pretty straight forward, with [fully comprehensive](https://support.cuvva.com/en/articles/5907831-fully-comprehensive-car-insurance-what-it-means) insurance policies from 1 hour to 28 days all sorted on the Cuvva app. It only takes a few taps to buy a policy.

Insurance for peer-to-peer car sharing is designed to protect both the car owner and the borrower. This means, as the car owner, you can [rent your car or van out](https://www.cuvva.com/car-sharing/lend-a-car) with total peace of mind, because the borrower will have their own standalone [temporary insurance](https://www.cuvva.com/car-insurance/temporary) in their name. This ensures your car and no claims bonus are protected. Borrowers and lenders will also both agree to an [Expected Behaviour Policy](https://support.cuvva.com/en/articles/7930383-expected-behaviour-policy), so everyone’s on the same page.

car insurance on an app

Is the car owner protected using car sharing insurance?

As a car owner lending out your car or van using Cuvva’s car sharing insurance, your no-claims bonus is protected because the borrower is covered by their own fully comprehensive insurance policy. This means any damage beyond [normal wear and tear](https://support.cuvva.com/en/articles/7930383-expected-behaviour-policy) is covered, so you won’t need to [make a claim](https://www.cuvva.com/how-insurance-works/car-insurance-claims-explained). All you need to do is simply authorise the car borrowing through the app.

green protected car

How much does temporary car sharing insurance cost?

The average price for an hour’s policy, including the most common additional fee charged by the car owner (more on this below), is £15.73. But the exact cost will vary on a bunch of factors including the insurance group of your vehicle, your age and driving history and the starting location of the policy.

purple pocket with coins and phone in

What's included, and eligibility criteria

What the car is protected against
Damage to the vehicle up to £40k
Damage to third party property up to £2m
Driver legal liability to other people arising from an accident
Attempted theft
[Theft](https://www.cuvva.com/how-insurance-works/stolen-cars)
Fire damage
[Carriage of own goods](https://support.cuvva.com/en/articles/89933-can-i-use-cuvva-cover-for-my-business) business use - for vans as well as cars
Up to £400 for after-fit audio equipment and £100 for other personal items
Driving after 10pm
What drivers are eligible
For full licence holders, they'll need to be aged 19-70 to use Cuvva. If the driver is under 21, they’ll need to have held their licence for at least 1 year
If they are a provisional licence holder they'll need to be aged 17 - 40 and not have held a 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](https://www.cuvva.com/how-insurance-works/car-insurance-claims-explained) or [licence points](https://support.cuvva.com/en/articles/2614434-how-licence-points-affect-your-car-insurance) that would stop someone from insuring with Cuvva
The car or van must
Be under 20 years old
Cars need to be worth less than £60,000
Vans/commercial vehicles must be worth less than £40,000
Meet our modification rules. We accept lots, including any to aid a disability, but there are some we can't insure
Meet our insurance group requirements
Not be scrapped or [impounded](https://support.cuvva.com/en/articles/5904217-impounded-vehicles) temporarily
Not be a company car, a hire car or a vehicle on a fleet policy

How much can I earn from car sharing?

Car owners can charge an additional fee to the person who’s borrowing their car. It’s up to you what you charge, but the average car owner lending out their car using Cuvva charges £4.98 per hour. This is included in the overall price paid by the borrower, so there’s no awkward conversations about money - it’s all added automatically. If you don’t want to set a fee, you can keep it free, and the borrower will only pay the price of the insurance.

What is car sharing and how does it work?
Car sharing is basically a type of ultra-flexible, ‘on-demand’ car rental or borrowing scheme. There are two main types of car sharing – commercial car sharing schemes and peer-to-peer car sharing.
Using a commercial car sharing scheme is basically like renting a car, but on a more flexible basis. Using a peer-to-peer car renting scheme involves renting an actual person’s car – or renting out your own car when you’re not using it.

The ins and outs

From 1 hour to 28 days car sharing insurance

For vehicle lenders
For vehicle lenders
Worry-free car lending
Split the cost of car ownership
Straightforward app process
For borrowers
For borrowers
Fully comprehensive cover
Save money against owning a car
Only pay for what you need, even if it’s just an hour
Insurance for all
Insurance for all
[Learner driver insurance](https://www.cuvva.com/car-insurance/learner-driver) to nail those manoeuvres
[Temporary van cover](https://www.cuvva.com/car-insurance/temporary-van-insurance) to lighten the load
[Test drive insurance](https://www.cuvva.com/car-insurance/temporary/test-drive) before you buy
[Drive away insurance](https://www.cuvva.com/car-insurance/temporary/drive-away) for new cars

How to lend your car out fast

1
Get started on the app
It just takes a few clicks
2
Add your car
Enter your registration plate
3
Approve someone to borrow your car
They can get cover from 1 hour up to 28 days
4
You can share whenever you need
For easy car sharing

Can I share my insurance with someone else?

It isn’t really as simple as ‘sharing’ your own insurance with someone else, unless you add them as a named driver to your policy. But there are ways to share your car with someone else using insurance:

Temporary car insurance: Policies from 1 hour to 28 days, perfect for lending a car on a short-term or infrequent basis.

Annual insurance: If they'll be driving regularly, it might make more sense for the borrower to simply get out an annual policy on your car rather than using temporary insurance or becoming a named driver. This will allow them to start building up their own no claims discount (NCD).

Driving Other Cars (DOC) extension: Some comprehensive insurance policies include this cover. However, it usually only provides third-party cover for emergencies. Always check your policy's terms.

When can car sharing insurance come in handy?

You need to borrow a neighbour's car
If your car is temporarily unavailable, you can use it to borrow a neighbour's car for an hour, a day or even up to 28 days. Standard yearly insurance policies usually don't cover additional drivers unless they are explicitly named, which isn’t ideal for infrequent or last-minute drives. Car sharing can give you short-term cover in under 5 minutes, ensuring you're insured without the need to change your neighbour’s insurance policy.
Your friends or family members need a hand
On those occasions when a friend or family member might need your help driving a van for a house move, taking stuff to the tip or picking a nephew or niece up from school, it can save the day. If you don’t have your car to hand, you can get insurance on their car, and you're fully covered for these one-off situations, safeguarding both you and the vehicle owner.
If you aren’t driving a lot
If you're someone who only needs to drive occasionally, the annual cost of traditional car insurance can be too expensive. Car sharing insurance offers a more economical alternative by allowing you to pay only for the cover you need, whether it's for a few hours or a couple of days.

Any questions?

Forget automated replies and chatbots! Our customer support team is made up of real people - get a response in minutes. We’re on hand between 9am to 9pm every single day. If you have any questions about our short-term car insurance, let’s have a chat.

customer support staff smiling