Cuvva car insurance review

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

Not enough reviews Write a review
Cuvva

Our verdict

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Cuvva claims to have cut out the middlemen and outdated systems by offering short term car insurance through a downloadable app.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

Name Product Cover for Minimum cover length Maximum cover length Min age EU Cover
Cuvva
Temporary car insurance
1
28
19
Zixty
Temporary car insurance
1
28
18
Tempcover
Temporary car and van insurance
1
28
18
Safely Insured
Safely Insured
Short term & learner driver
24
84
18
Insure Daily
Temporary car insurance
24
28
19
Ingenie Temporary Learner driver
Learner drivers
17
loading

Who is Cuvva?

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 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.

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

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

More guides on Finder

Go to site