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Cuvva car insurance review

Get all the facts about car insurance from Cuvva. Short term car insurance available via an app.

Cuvva claims to have cut out the middlemen and outdated systems by offering short term car insurance through a downloadable app.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 cover comes 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.

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Who is Cuvva?

Cuvva is a London-based fintech start-up company using software to offer car insurance over flexible time periods. The company sells hourly insurance through its app in a move 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 and travel insurance. As of April 2017, the app had over 100,000 downloads.

What are Cuvva’s cover options?

All drivers are legally required to have at least third party car insurance to be on UK roads. Cuvva doesn’t provide third party or third party, fire and theft cover but it does offer comprehensive cover.

Comprehensive is the highest and only level of cover on offer through Cuvva. If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your car as well as against accidental damage and vandalism.

What types of car insurance are available?

  • Hourly car insurance
  • Daily car insurance
  • Weekly car insurance
  • Monthly car insurance
  • Drive away car insurance
  • Long term car insurance
  • Learner driver car insurance

What’s covered under my policy?

Cover benefitsComprehensive
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.

Optional extras

Cuvva doesn’t offer any optional extras that be added to a policy.

General exclusions

Any cover offered by Cuvva is likely to become invalid if any of the following arises:

  • You change the use of your car from its original use. For example, changing from social domestic and pleasure to business use.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You use your car at rallies, races or competitions.
  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You supply false information in order to complete your application.

Check your policy for further details to confirm your cover is valid.

How do I make a claim?

You will need to refer to your policy document and follow the claims process contained within it.

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 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 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 pros and cons

Pros

  • 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
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

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*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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