Cuvva could be a great option for short-term policies. With an app-based service Cuvva is ideal for infrequent drivers who need flexibility.
It makes it easy if you want to share the driving on an upcoming holiday, insure your new car for a few hours so you can drive it off the lot or get cover to move house for the day.
If Cuvva isn't for you then you could compare other temporary insurers instead to find the right one.
Pros
App-based service for flexibility.
Variety of short-term cover options.
Learner cover available.
Policy documents are handily stored in the app and emailed to you for reference.
Comprehensive cover as standard.
Cons
You will need to complete a quote and download the app in order to see what is and isn’t covered under a policy.
No optional extras available to bolt onto a policy.
No voluntary excess available on policies.
★★★★★
Finder score
Cuvva claims to have cut out the middlemen and outdated systems by offering short term car insurance through a downloadable app. What’s more, its customers could benefit from a £10 discount for referring a friend. Read our review to see what is covered in a Cuvva car insurance policy and what your options are.
Compare Cuvva against other temporary insurance providers
Cuvva is a London-based fintech startup company using software to offer car insurance over flexible time periods. The company sells hourly insurance through its app designed to appeal to infrequent drivers. Cuvva claims that it was set up at a time when no other insurers offered short term car cover by the hour. As well as car insurance, the company also offers van insurance.
Who underwrites Cuvva’s car insurance?
Cuvva’s short term policies are underwritten by Mulsanne Insurance Company Ltd, Wakam and ERS.
Cuvva is authorised and regulated by the Financial Conduct Authority.
What’s covered under my policy?
Cover benefits
Comprehensive
Liability to other people
✓
Fire and theft
✓
Accidental damage
✓
Beyond the above cover features, you will need to check your policy document to ensure you have the correct cover.
What are Cuvva’s different policies?
Cuvva only offers comprehensive policies. Its temporary policies are available for different amounts of time:
Hourly car insurance. Cover starts at £11.07 per hour.
Daily car insurance. Cover starts at £12.99 per day.
Weekly car insurance. Could be useful if you’re going away.
Drive away car insurance. Great for test-driving a car.
Temporary car insurance. Get covered for up to 28 days.
Learner driver car insurance. Hourly cover that’s cheaper than being a named driver on an existing policy.
Flexible van insurance. For commuting, driving to sites, and carrying your own equipment.
How do I make a claim?
To make a claim you need to call the underwriter of your policy. Numbers are:
020 3828 7127 is for Mulsanne (Key Claims). 020 3828 7381 is for Wakam (Crawford). 01908 735231 is for ERS (Crawford)
Depending on the nature of your claim, you will likely need to provide the following information:
Your personal details such as your policy number and contact details.
Details about the incident, including any damage to your vehicle or injuries sustained.
Names and contact details of everyone involved in the incident such as third parties, passengers and witnesses.
Dashcam footage, if available.
Police reference number, if applicable.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
What is my excess?
Your car insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is on top of the compulsory excess and is normally set by you when taking out a policy. You’ll usually have the option of adding or increasing a voluntary excess, which should lower your premium. Be aware that Cuvva does not offer a voluntary excess on its policies.
You’ll find details about any compulsory excess in your policy document.
Cuvva car insurance customer reviews
On the review platform Trustpilot, Cuvva scored 4.6 out of 5 in 2,400+ reviews. Customers praised its quick and easy to use service and competitive prices, while others flagged potential issues around initial communication.
How to cancel Cuvva car insurance
You can cancel your policy whenever you like, free of charge. Just chat to Cuvva in its app to arrange that.
Frequently asked questions
Yes, cover can start instantly.
Yes, Cuvva offers a range of temporary policies, from 1 hour up to 28 days.
Cuvva was founded in 2016.
You can check your expiry date and policy details in the app.
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Helen Champion was an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons. See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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