Cuvva claims to have cut out the middlemen and outdated systems by offering short term car insurance through a downloadable app.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.
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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 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?
|Liability to other people||✓|
|Fire and theft||✓|
Beyond the above cover features, you will need to check your policy document to ensure you have the correct cover.
Cuvva doesn’t offer any car insurance optional extras that can be added to a policy.
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 driver’s 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. A claims team is available in the Cuvva app for 24 hours day, 7 days a week.
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 4.7 out of 5 in 1,000+ reviews. Customers praised its quick and easy to use service and competitive prices, while others flagged potential issues around initial communication.
Cuvva pros and cons
- 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.
- 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.
Whether 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, Cuvva could be a great option for short-term policies. Plus, with an app-based service Cuvva is ideal for infrequent drivers who need flexibility.
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