Zubin Ciccone

Cuvva claims to have cut out the middlemen and outdated systems by offering short term car insurance through a downloadable app.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

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.

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.

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:

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

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:

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.

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.

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.

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.

What does AUJ stand for? ; AUJ , Ambunti (airport; Papua New Guinea) ; AUJ , All-University Judiciary ; AUJ , Abbottabad Union of Journalists (Pakistan) ; AUJ