Our temporary car insurance policies cover you for SDP (social, domestic, pleasure), commuting, and class 1 business use.
This means that you can:
As well as driving for leisure.
Our monthly car insurance includes SDP and commuting as standard.
We also offer Class 1 Business cover. But unlike our temporary insurance, it's an optional extra. So you'll need to add it to your policy in the app.
You can't use Cuvva for:
Our van insurance policies include class 1 business insurance, plus Carriage of Own Goods cover.
Our learner driver policies cover you for SDP and commuting use only.
There are a few different types of business car insurance:
Social, domestic and pleasure (SDP) means you're not covered for anything to do with work or business. It only covers stuff like going shopping, visiting friends and family, and other personal uses.
SDP and commuting covers the same stuff as SDP, but also allows you to drive to and from a fixed place of work. It doesn't cover you to drive around as part of your work, though.
Class 1 business use means you're covered for commuting, plus driving to other sites that aren't your usual place of work. For example, driving to a work meeting in a different location. It doesn't include commercial use, such as deliveries or door-to-door selling.
Class 2 business use provides cover for the same situations as Class 1, but also includes the named drivers on your policy.
Class 3 business use includes commercial driving, for things like door-to-door sales.
Carriage of own goods means you can drive your vehicle for business reasons, and you'll also be covered for the items you need for work. For example, a tradesperson driving between clients with their own equipment in the van.
Hire and Reward insurance means you can carry around other people's stuff for money. You'll need it if you're a furniture remover, a delivery driver, or anything like that.
All our policies are fully comprehensive, whether you're driving for leisure, or the business uses that we cover.
You can see exactly what's covered in your policy documents - you can find them in the app before you pay.
Our customer support team is available 24/7 in the app, so contact us if you have any questions.
We probably won't be able to tell you exactly what level of business cover you should buy. So it's really important to think about your own business needs before deciding if a Cuvva policy is right for you.