Daily car insurance
when you need it
• Smart signup process
• Ideal for borrowing a car at the weekend
• Policies from 1 hour to 28-days
• Easy to access policy documents
Reasons for daily cover
From the outset, Cuvva was about a simple idea: making insurance simple. We strive to leap forward by offering a fresh take on the way people take out insurance to fit with their needs. Our intention from the outset was to build products that make a difference. We started by making it easy to get covered on a friend’s car, then we provided infrequent drivers the opportunity to buy driving cover when they needed it. We’re continually innovating to provide temporary cover to fit the needs of everyone.
It’s not uncommon to borrow a friend’s car when you’re moving house. It is, however, very difficult to predict how many trips back and forth this will require – it normally takes far longer than expected! A daily policy means your don’t have to remember to buy a policy every time you get back in the car. If you’re doing serveral journeys, it’ll likely be cheaper too!
There are some errands which become significantly easier with the use of a car. From doing a big supermarket shop, to picking up heavy or over-sized furniture, to visiting a relative who’s practically inaccessible by public transport, it’s very easy to come up with a long list! By purchasing a day of insurance, you can do things at leisure, with fully comprehensive insurance cover throughout.
Going on holiday in the UK
If you’re going on holiday in the UK and driving, getting a daily policy from Cuvva can be a cheap way to do this. However, if you’re driving to Europe, we would recommend you do not use Cuvva as we only offer the most basic of 3rd party cover whilst you are abroad and you will not be able to buy any further policies once you leave the UK. If you need European cover, you should be able to find other specialist brokers who will be able to offer more suitable products.
Buying a new car
If you’re buying a car and want to drive it away, you’ll need to have insurance. So, getting Cuvva setup on your phone in advance will allow you to quickly buy cover and drive away. You can then sort out your annual insurance once you’re home.
Daily car insurance
If you plan to use a car on and off throughout the day, buying a daily policy will give you the most flexibility, with less time constraints than hourly policies. On average, this will come at a cost of £37.80. Alternatively, a couple of hourly policies may well work out cheaper if you have a clear idea of journey times.
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).
How it works
Create an account
Download the Cuvva app and sign up, in minutes.
Search for the vehicle
Enter the registration plate of the vehicle you want to get covered on.
Choose how long
From 1 hour to 28 days, to cover all your driving needs.
Pay for the policy and drive away. There's even the option to extend!
What daily car insurance is likely to cost you
To give you some idea of what your insurance will cost, here’s a table showing a cheap, average and expensive policy in different areas. If you’re an older driver with a clean record, the chances are you’ll pay £7.92 for an hour and probably just under £10 for 3!
|Birmingham||£17.59 Chevy Matiz, driver 52||£138.92 BMW M3, driver 22|
|Bristol||£17.37 Toyota Yaris, driver 47||£92.44 Audi A5, driver 20|
|Edinburgh||£15.96 VW Polo, driver 36||£50.82 Mercedes C220, driver 24|
|Guildford||£14.06 Vauxhall Cose||£60.23 Audi A3, driver 22|
|London||£16.48 Ford Focus, driver 37||£148.79 Audi R8, driver 22|
|Manchester||£33.43 Mazda 3, driver 32||£122.55 Mercedes AMG, driver 24|
|Newcastle||£13.42 Citroen C3, driver 49||£77.43 Honda Civic, driver 34|
Watch how our daily insurance works
What our customers love
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!
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.
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.
Frequently asked questions
Who can we cover?
We have worked hard with our underwriter to offer insurance to as many people as possible. It is currently 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).
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 cannot cover
What vehicles can you cover?
Currently, we can insure cars and vans. There are a number of variable rules set by our underwriter that effect what vehicles you can get insured on such as how long you have held your licence and the insurance group of the vehicle. Also, there are some set rules, which are:
- cannot be older than 20 years old
- cannot have modifications of any kind
- cannot be scrapped
- cannot be impounded
- must be valued at above £1 and below £40,000
- cannot be older than 20 years
- must be between insurance groups 1 - 20
- cannot have modifications of any kind
- cannot be scrapped
- must be valued at above £1 and below £20,000
That is not an exhaustive list but it gives you a good indication of what vehicles we can currently insure. As we continue to grow, the range of vehicles we can insure should always keep expanding.
To see if we can insure you on a specific vehicle it's best to get a quote in our app.
How does our pricing work?
Like all insurers, our underwriter looks at a number of rating factors when calculating the cost of your insurance and your suggested risk, compared to other drivers. The biggest determinants of risk in our insurance model are:
- Vehicle insurance group
- Location of the vehicle for temporary and postcode of registered address for subscription)
- Claims and Convictions
So, by taking the factors above for 2 individuals aged 22 and 40:
- Driving an insurance group 40 car (Porsche Boxter)
- Has 3pts for speeding, but doesn’t have any claims
- Has held his licence for 55 months
40 year old
- Driving an insurance group 1 car (VW Up!)
- Located in a safe rural area
- No points, no claims
- Has held his licence for 20 years
Here is an example of how their insurance could be priced using fictitious multipliers for 1 hour of cover:
|Factor||Multiplication factor||22yr old insurance group 40, location 16, 3pts, no claims licence held for 1yr||40 yr old, insurance group 1, location 3, no points, licence held for 20 years|
|Base premium (1 hour)||NA||£5||£5|
|Age (19 – 60)||1 – 2.2||£5 x 2.2 = £11||£5 x 1 = £5|
|Licence held||.6 – 1.8||£11*1.8 = £19.8||£5 x .6 = £3|
|Insurance group (1 – 49)||.75 – 1.8||£19.8 x 1.8 = £35.64||£3 x .75 = £2.25|
|Location (1 – 16)||0.7 – 1.6||£91.08 x 1.6 = £57.02||£2.25 x .7 = £1.57|
|Claims and convictions||1 – 1.2||£57.02 x 1.05= £59.87||1.57 x 1 = £1.57|
|Total premium before IPT, commission & admin fee||£59.87||£1.57|
These are obviously extreme examples and most users would fall within a far smaller price difference bracket. In reality, there will always be a minimum premium which for Cuvva is currently £7.92 including IPT, commission and admin fees.In the future, we would like our pricing to rely on data rather than assumptions - driving behaviour will therefore be a major determinant rather than arbitrary factors like age.
What will you need to purchase insurance from us?
To purchase temporary car insurance through Cuvva, you will need to download our app on your phone. 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
How do you get quotes and purchase?
Once registered in the Cuvva app, getting a quote takes seconds. Simply enter the number plate of your car and you can generate a quote instantly. Once you have selected the amount of time you’d like to be covered for, you’ll need to take a photo of the front of the car (so we can see it isn’t damaged) and purchase.All our policies start instantly so once you’ve completed the payment, you can start driving immediately. At present, you can’t purchase in advance but this might be an option in the future.
Can your account be used by others?
Given the app is downloaded on your phone, linked to your own personal debit/credit card and with all the policies in your name, your account cannot be used by anyone else for purchasing insurance.They just need to download the app from their own device, complete a profile and can then starting using Cuvva.Short-term policies are also associated with one vehicle and cannot be transferred over, mid-policy. If you think you may be switching, we would recommend buying a few short-term policies.
Can you use Cuvva abroad?
The Cuvva app only currently functions in the UK, given your location is a factor in how we price your insurance. While you can only purchase policies in the UK, it is still possible to transport a car to the continent. We can, however, only offer very minimal 3rd party cover aboard (as required by EU law) so if you have an incident, we would be able to do very little to help and recovering your car would be your responsibility.
What happens if I run out of time or battery?
Don’t worry! You can extend your policy in the app in a couple of clicks. We would, however, recommend you give yourself some leeway and don’t have any last minute panics with no phone battery. You should not, under any circumstances, drive without insurance.
What do you do if you have an incident?
All claims are handled by the Underwriter, so you should call them as soon as possible.
If significant damage has occurred or anyone has been injured, you should call the police. If the police do arrive, get the name and number of the police officer and take note of the crime reference number you are given. Other things you can do: - Take pictures of the incident with your phone. - Record the names and contact details of those involved and any witnesses. - Even if you think it may have been your fault, we would recommend not making any admission of fault or apology at the scene.
What can't Cuvva be used for?
Common examples include:
- Insuring rental cars
- Releasing a car from the pound or getting road tax
- Racetrack days
- Vehicles under a fleet policy
If you're ever in doubt, please get in contact with support by emailing us at firstname.lastname@example.org or by using our in-app chat.
Short-term No Claim Bonus?
Unfortunately, you cannot earn any no claims bonus on our short-term car insurance product.
Cancellations and refunds
As a provider of short term car insurance, Cuvva and its underwriters are under no obligations to offer refunds (ICOBS 7.1.3 if you are interested). When you purchase a policy from us, we:
- Pay a fee to check Claims and Underwriters Exchange (CUE) to ensure that your declared claims/incidents history matches the insurer database
- Pay Stripe (payment provider) for administering the payment
- Issue a certificate of motor insurance on behalf of the underwriter
- Add your VRM to the MID
Many of these processes cost time and money, so, given the short-term nature of the policies, a cancellation/refund is an added cost. It is, however, always possible to cancel a policy if you wish to do so.
N.B. If you have active insurance on a vehicle you have sold, we would recommend that you cancel your cover immediately. If a claim were to come in from the new owner, this could end up as a claim against your insurance!
If you have a problem using the app or purchasing insurance and you would like to speak to us, the easiest way to do so is using our online chat function. This can be done in app, on the website (using the speech bubble) or by emailing email@example.com. On average, we will get back to you within 2 minutes!
Claims and Underwriting Exchange (CUE)
Once you’ve selected the policy you would like, we have to check the CUE database before you can make a purchase. This holds a log of all incidents and claims within the past 5 years involving cars, vans and motorbikes/scooters. If your declarations do not match CUE your purchase will fail. It is therefore very important to declare any incidents from within the past 5 years, both at fault and not at fault, and as the driver, passenger or named driver. By not declaring these, you may not be able to purchase with Cuvva for a number of months.
Continuous Insurance Enforcement (CIE)
In 2011, the government introduced the Continuous Insurance Enforcement rules. These stated a requirement for a car to either be registered with a Statutory Off Road Notification with the DVLA or to have valid motor insurance. If you are caught without valid insurance, your car will likely be impounded as the police’s ANPR systems will automatically alert them if you are driving without insurance.
Motor Insurance Database (MID)
All purchased car insurance policies are added to the MID (Motor Insurance Database) and any policy can be checked by visiting the AskMID website. Unfortunately, the database updates irregularly, sometimes as little as once a week and, in addition, the police ANPR camera database is updated weekly. This can mean that the police may stop you for “driving without insurance” when you are fully insured. If this happens you can show the officers your policy documents and ask that they do a live MID check.