About
Cuvva is a UK-based insurance technology platform that pioneered temporary car insurance delivered entirely through a mobile app. Founded in 2015, it has sold over 15 million policies and insured more than 3 million cars, making it one of the most established short-term insurance providers in the UK. The platform offers fully comprehensive temporary cover for cars, vans, motorhomes, and caravans with policy durations ranging from 1 hour to 28 days. Learner drivers can get hourly cover (up to 3 hours per day) to practise in someone else's car or their own, typically at a lower cost than being added to a parent's policy. Van cover includes carriage of own goods and business class 1, suitable for tradespeople and those moving equipment. Key benefits include instant online or in-app quotes, the ability to extend cover in real time without paperwork, and policies that sit separately from the car owner's existing insurance — protecting their no-claims bonus. Cuvva also caters to international licence holders, impound releases, and drive-away cover for newly purchased vehicles. Pricing starts from around £12.55 for 1 hour of temporary car insurance, with all quotes personalised based on the driver's history and the vehicle. The app has been downloaded over 5 million times and is available on iOS and Android, with the full quote journey also accessible on the web.
Key Features
- Flexible Duration Cover: Choose cover from as little as 1 hour up to 28 days for cars and vans — pay only for the time you need.
- Instant In-App Quotes & Purchase: Get a personalised quote and buy a fully comprehensive policy entirely through the Cuvva app or website in minutes, with no paperwork.
- No-Claims Bonus Protection: Policies are separate from the car owner's existing insurance, so the owner's no-claims bonus remains fully protected.
- Real-Time Policy Extensions: Need more time on the road? Extend your active policy instantly from the app without having to re-quote or call anyone.
- Learner Driver Hourly Cover: Provisional licence holders can get up to 3 hours of supervised practice cover per day, in their own or someone else's car.
Use Cases
- Borrowing a friend's or family member's car for a day trip or weekend without disrupting their annual insurance policy.
- Learner drivers booking hourly supervised practice sessions in a parent's or friend's car ahead of their driving test.
- Purchasing a new or used car and needing immediate drive-away cover before a long-term policy is arranged.
- Tradespeople or individuals hiring or borrowing a van to move equipment or complete a one-off job.
- Drivers with an international licence who need short-term cover to drive a UK-registered vehicle while visiting or living in the UK.
Pros
- Extremely Fast to Set Up: Quotes and purchases take just a few minutes via the app or web, with no lengthy forms or waiting for documents in the post.
- Protects the Car Owner: Because Cuvva policies are standalone, they don't affect the vehicle owner's existing policy or no-claims discount.
- Highly Flexible Duration: Cover can start from a single hour, making it cost-effective for occasional drivers who don't need an annual policy.
- Proven Track Record: Over 15 million policies sold and 1.5 million customers since 2015 demonstrates strong reliability and trust.
Cons
- UK Only: Cuvva's temporary insurance products are currently only available to drivers in the United Kingdom, limiting its usefulness internationally.
- Maximum 28-Day Cover: Policies cannot exceed 28 days, so it is not a replacement for standard annual insurance for regular everyday drivers.
- Per-Policy Pricing Can Add Up: For frequent short-term drivers, the cumulative cost of individual policies may exceed the price of a traditional annual policy over time.
Frequently Asked Questions
How long can I get temporary car insurance for with Cuvva?
Cuvva offers cover from as little as 1 hour up to a maximum of 28 days. You can also extend an active policy in real time through the app if you need more time.
Will using Cuvva affect the car owner's no-claims bonus?
No. Because Cuvva issues a separate, standalone policy for the temporary driver, any claims made on that policy do not affect the car owner's existing insurance or no-claims bonus.
How much does temporary car insurance cost?
Prices are personalised based on your driving history and the vehicle. As a guide, 1-hour cover starts from around £12.55, a 1-day policy from around £18.14, and a 1-week policy from around £43.97. Learner driver hourly cover starts from approximately £12.95 per hour.
Can learner drivers use Cuvva?
Yes. Cuvva offers dedicated learner driver insurance for provisional licence holders, with hourly cover for supervised practice in someone else's car or your own. Learners can get up to 3 hours of cover per day.
Is Cuvva available outside the UK?
Cuvva's insurance products are currently only available in the United Kingdom. However, Cuvva does provide cover for drivers holding an international driving licence who want to drive a UK-registered vehicle.
