We try to offer insurance to as many customers as we can. But flexible mobile car insurance is a new concept, so we still have to work with some restrictions set by the underwriters (insurers) that we work with.
If we can't insure you, the app will usually tell you why. But here are some of the more common reasons why you might not be able to get a quote.
Provisional licence: For learner's insurance, you'll usually need to be aged between 17 and 40. We can't insure learners who have held their provisional licence for more than 5 years.
Full licence: New customers will usually need to be aged 19 and 64 for their first policy. But if you're under 21, you must have held your licence for at least 13 months.
You'll need to have held your licence for a certain amount of time to insure some vehicles.
This really depends on the vehicle you want to insure, and it's all worked out through the app. So the best way to find out the licence age requirements for your vehicle is to try and get a quote.
Vehicle age: We can't cover vehicles that are over 20 years old.
Vehicle value: We can't cover cars that are worth more than £60,000, or vans that are worth more than £40,000. For learner drivers, the vehicle must be worth £30,000 or under.
Insurance group: For our short term insurance, we can't cover cars above insurance group 40 or vans above insurance group 20.
We also can't cover vehicles that are:
Scrapped or impounded
Hire cars, or vehicles on a fleet policy
Older than 20 years
Some modifications also aren't allowed. Check out the full list of approved modifications here.
Accidents and claims history
Past accidents and claims can affect your ability to insure with us. That doesn't mean that we won't cover anyone that's had a claim - often we can.
But there can be some restrictions. These will usually be based on:
The amount of incidents you've been involved in
What types of incidents you've been involved in
Whether you told us about your incidents before buying your first policy
The last point is very important - if you don't declare your incidents in the app before you try to pay, we may not be able to insure you. So make sure you've declared your incidents and claims before you buy a policy.
Licence points: This isn't always a problem. But the app will consider the amount of points, or types of endorsements, on your licence when working out if it can give you a quote.
Missing data: Occasionally, our system won't be able to find your licence, or the vehicle you want to insure.
This is extremely rare. But if it does happen, it's sadly out of our control. We get our licence and vehicle data from the DVLA, so you'd need to contact them.
Frozen account: If your Cuvva account is frozen, it normally means that our team needs to speak to you about something that's happened on your account. Contact customer support as soon as you can - account issues can often be sorted out pretty quickly.
The app has the final say
The app uses a rating model from our underwriters to work out who we can and can't cover.
Our customer support team will always try our best to help you get you insured, but sadly we can't reverse the decisions made by the app - and we often won't have access to any further information.
Happy driving 🚗