How we price our temporary car insurance

When you buy temporary car insurance through Cuvva, the price is unique to you. We take lots of things into account each time you get a quote, but the ones that usually make the biggest difference are:

Your age. Younger drivers tend to pay more for car insurance than older drivers. Generally, the more driving experience you have, the lower your price will be.

Your driving history. Points on your licence and your incident history can all make your car insurance more expensive.

The vehicle you’re insuring. You’ll usually pay more if you’re insuring a faster, more expensive car. If you want a cheaper policy, try insuring a less powerful car, or one with lots of safety features.

Where you are. When you buy a temporary car insurance policy, we use your location to work out your price. It’s not your home address that we look at, but where you are at the time. That’s why the app needs access to your location.

The time you buy your policy. Our underwriters set “peak hours”. If you try to buy a policy during peak hours, it will be a bit more expensive.

(Looking for a quote? Use our quote tool. You can also get a quote in the app.)

Check the app to find out what’s affecting the price

When you buy a short-term car insurance policy with Cuvva, you can see what’s affecting your price in the app.

To find out, get a quote in the app. When you get to the quote screen, you’ll see a button at the bottom that says “What’s affected your price”.

Tap on it, and you’ll see a screen like this:

Screenshot of the "What's affected your price?" screen from the Cuvva app

You might want to try getting quotes at different times and places to compare, and use the ‘What affects your price?’ feature at the bottom of the app’s quote screen to see what causes the price to change.

Updated on December 6, 2019

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