Cuvva's temporary car insurance is a simple way to:
Drive someone else’s car
Share the driving on a long trip
Let someone drive your car
The quickest way to get started is to get a quote in the app.
Do I even need insurance to drive someone else’s car?
Almost always, yes. Most annual policies no longer include driving other cars (DOC) cover. And if they do, it’s usually third party only, not fully comprehensive.
That means damage to the car you’re driving wouldn’t be covered. So before driving someone else’s car, you’ll usually need to:
Be added as a named driver on their annual policy, or
Get temporary car insurance
How borrowing with Cuvva works
With Cuvva, when you insure yourself on someone else's car:.
The policy is in your name, not the owner’s
You don’t need a specific relationship with the owner
You just need their permission to drive the car
You just open the Cuvva app, enter your details and the details of the car you want to borrow, and then buy a policy.
Will it affect the owner’s insurance?
Your Cuvva policy is separate from the owner’s own insurance.
This means:
Their no claims bonus isn’t affected
Their policy stays unchanged
This also applies if you’re a learner driver.
What does the cover include?
All Cuvva policies are fully comprehensive.
That means you’re covered for:
Damage to the car
Damage to other vehicles
Injury to other people
Just so you know:
We don’t provide courtesy cars
We don’t cover legal expenses or uninsured loss recovery
Can I use it for work?
Cuvva policies include:
Social, domestic, and pleasure (SDP)
Commuting
Most policies also include Class 1 business use, which covers driving to different work locations (like meetings).
We don’t cover:
Hire and reward (like deliveries)
Motor trade use
If you have any questions, just search the help centre for a quick answer or reach out to our customer support team. Happy driving!