Cuvva offers a mobile‑first platform for fully comprehensive short‑term motor insurance in the UK, enabling drivers to buy policies from one hour up to 28 days for cars, vans and motorhomes. The app generates instant, data‑driven quotes, issues digital policies instantly and isolates the driver’s exposure, preserving the vehicle owner’s no‑claims discount. Optional add‑ons such as breakdown cover and commercial extensions are available, with 24/7 support and FCA regulation.
Funding
Funding not disclosed
Founders
Product
Problem
Drivers who need to borrow a vehicle, test‑drive a car, or cover a short‑term use case often face lengthy paperwork, annual premiums that exceed the actual exposure, and the risk of affecting the owner’s no‑claims bonus. Traditional motor insurance products are inflexible, requiring multi‑day commitments and manual processing. This creates gaps in coverage for occasional or temporary driving needs.
Solution
Cuvva delivers fully comprehensive, short‑term motor insurance through a native mobile app, allowing users to purchase standalone policies from 1 hour up to 28 days for cars, vans and motorhomes. The platform generates an instant, personalised quote based on driver history, vehicle data and risk parameters, and issues digital policy documents instantly. Coverage is fully comprehensive and includes optional breakdown protection, Business Class 1 and carriage‑of‑own‑goods extensions. Policies are independent of the vehicle owner’s contract, preserving the owner’s no‑claims discount. Users can extend or cancel coverage with a few taps, and 24/7 human support is available for claims and enquiries.
Target Audience
Primary users are UK drivers who need temporary cover for borrowing a car, practising as learner drivers, using a van for short projects, or visiting with an international licence. The service also serves car owners who wish to lend their vehicle without risking their own policy.
Features
- Mobile‑first app that captures licence, vehicle registration and driver details to produce an instant quote and issue a digital policy in seconds.
- Flexible policy durations ranging from 1 hour to 28 days, priced per‑hour based on actuarial risk factors (e.g., age, driving history, insurance group).
- Fully comprehensive cover with up to £60 k vehicle damage, £2 m third‑party liability, and optional breakdown cover (add‑on pricing from £0.90 per hour).
- Standalone policies that isolate the driver’s exposure, ensuring the car owner’s no‑claims bonus remains untouched.
- Business Class 1 and carriage‑of‑own‑goods extensions for commercial use cases such as site visits or equipment transport.
- Support for international licences and EU drivers, enabling short‑term cover for visitors and expats.
- 24/7 human customer support and in‑app claim filing, backed by FCA regulation and data‑secure cloud storage.