It’s a way to share your car with people you know and trust. Maybe that’s your family, friends, neighbours, co-workers or your community. Whoever you choose to invite, it’s about helping people who need to borrow a car use Cuvva’s short-term car insurance to drive yours when you don’t need it.

Absolutely! Anyone can create a car club on Cuvva. Whether you already manage a car club in your community or you just want to share your car with family, we give you the tools to get started to help you manage who drives your car and you take it from there. Your club, your rules.

However big or small your car club, sharing your car can have a big ripple effect on both people and the planet. And it can be good for your pocket too.

Help out friends or your community

Did you know most cars sit idle 96% of time?*

Sharing cars helps people out who may not have access to a car or might need to borrow one for a short while. It could be they need to run a few errands, or maybe they just need to borrow a car while theirs is out-of-action.

Whatever the reason, when you share your car with someone:

Earn money to put towards your running costs

The cost of living crisis is changing the way people think and feel about their car. According to a Cuvva survey last autumn:

The cost of running a car has become more expensive (our survey shows the average cost of running a car each month is £145), so people are searching for ways to make ownership more affordable. Turning your car into an asset that pays and charging people to borrow it is a great way to help lower your car’s running and maintenance costs.

Start by clicking the ‘Car clubs’ tab in the Cuvva app. Then you can create your car club in 3 easy steps:

From there, you can also add extra details about any cars in the club that belong to you. For example, you can say when it’s usually available or add a description to let people know what to expect before they borrow it.

You can add as many vehicles to a club as you want, and add as many members as you like too.

Anyone in your car club will see the cars in the club and can use the Cuvva app to get insured on those vehicles when they need to borrow them.

Yes, you can set up an hourly and daily price on any vehicle in the club that belongs to you.

When someone books a trip on your car, we’ll add this as an extra cost on top of their insurance. This money goes directly to you, minus a small fee to cover our transactional and platform costs.

It’s totally up to you when you let other people borrow your car. You can use our app to say when it’s usually available or some people prefer to arrange everything face-to-face.

When someone in your car club borrows your car, they need to use the Cuvva app to buy their own insurance policy for the duration of their trip. Their policy is completely separate from yours.

So whatever happens, it won’t impact your own insurance policy or your no claims bonus, if something goes wrong.

All our policies are fully comprehensive, which is the best level of cover you can get. So every policy comes built-in with top-tier protection and peace-of-mind, because we all need a safety net.

For extra peace of mind, we also offer drivers the option to add breakdown cover to their policy.

When someone wants to borrow your car, they should use the Cuvva app to buy a short-term policy for the duration of their trip. This is separate to your own insurance.

All Cuvva policies are fully comprehensive, which is the best level of cover you can get. If someone has an accident when they borrow your car, we’ll cover:

Read more about what our fully comprehensive insurance includes.

You may also want to check out what constitutes damage versus wear and tear.

If something goes wrong or you’ve got any questions, you can also reach out to our dedicated customer support team in the app. We’re available 9am to 9pm, every day of the year.

Before someone borrows your car, make sure it’s clean and tidy and fit to drive. You may want to put a few ground rules in place to avoid any misunderstandings later on.

It might help to think about:

Insurance

Double-check that the borrower is aware that they need to buy a short-term Cuvva policy to borrow your car. It can all be done with just a few taps in the app.

MOT and tax

It sounds obvious, but don’t forget to check these are all up-to-date before someone borrows your car.

Tyres, oil and headlights

Remember to check the oil tank is topped up and your tyres are pumped up to a safe level before anyone borrows your car. Check your headlights are working too.

Keys

Be clear where you want people to collect and return the keys and at what time. If they need to extend their policy, remind them to check with you first.

Fuel

Make sure there’s fuel in the tank or you’ve charged up your car before someone borrows it. Let people know if you expect them to top it back up before they return it - you might want to make a note of the fuel or battery level before they set off.

Car interior

Don’t forget to clear out any valuables and make sure your car is clean and tidy. It’s a good idea to let people know your expectations around pets and smoking in the vehicle too.

A couple of final tips:

We’ve got more information and tips for sharing your car in our expected behaviour policy.

*From the RAC Foundation’s report on car usage in the UK, 2021.