Overview
Cuvva is a temporary and short-term personal lines car insurance MGA operating in the UK, distributing policies entirely through a mobile app. Founded in 2015 and regulated by the Financial Conduct Authority (registration no. 690273), Cuvva holds underwriting authority and issues fully comprehensive policies covering periods from one hour up to 28 days. The company also offers monthly car insurance alongside specialist products for learner drivers, van operators, and motorhome users.
Cuvva writes personal auto policies under its own MGA structure, with underwriting capacity provided by carrier partners. Products are underwritten to standard fully comprehensive terms and distributed direct to consumers without traditional broker or aggregator intermediaries. The company also integrates premium finance through a 2026 partnership with PremFina, allowing customers to spread annual policy costs via monthly installments within the app.
As of 2026, Cuvva has served over 1.7 million drivers and issued more than 15 million policies across 3 million cars, with 5 million app downloads recorded. The company achieved profitability in 2023. A 2026 strategic partnership with Toyota Insurance Services Europe added a co-branded short-term product sold through Toyota and Lexus dealer networks.
Products & Services
Temporary Car Insurance (1 Hour to 28 Days)
Fully comprehensive coverage for temporary driving needs, available in increments from one hour to 28 days. Policies protect the car owner's existing no-claims bonus. Optional breakdown cover with nationwide roadside assistance available. Can be purchased and extended entirely within the Cuvva app.
Key Features
- Fully comprehensive cover from 1 hour to 28 days
- Protection of the car owner's no-claims bonus
- Optional breakdown cover with roadside assistance
- In-app policy extension
Target Users: UK drivers borrowing or lending cars, drivers between annual policies, occasional drivers
Distribution: Direct-to-consumer via mobile app
Learner Driver Insurance
Hourly coverage for provisional licence holders, capped at three hours per day. Enables flexible driving practice sessions without requiring learners to be added to a main policyholder's annual policy.
Key Features
- Hourly cover (up to 3 hours/day)
- Fully comprehensive terms
- Covers practice in private vehicles
Target Users: Provisional licence holders practicing in private vehicles
Distribution: Direct-to-consumer via mobile app
Temporary Van Insurance
Business class 1 commercial coverage with carriage of own goods, designed for short-term van use and one-off jobs.
Key Features
- Business class 1 commercial cover
- Carriage of own goods
- Short-term and one-off trip coverage
Target Users: Tradespeople and van operators needing short-term commercial cover
Distribution: Direct-to-consumer via mobile app
Drive Away Insurance
Coverage for drivers taking ownership of a newly purchased vehicle and driving it from the point of sale to their home or destination.
Target Users: Car buyers at dealerships or private sales
Distribution: Direct-to-consumer via mobile app
Motorhome and Campervan Insurance
Temporary coverage for recreational vehicles, allowing motorhome and campervan use on a short-term basis without a full annual policy.
Target Users: Holidaymakers and occasional motorhome users
Distribution: Direct-to-consumer via mobile app
Toyota Short-Term Insurance by Cuvva
Co-branded product launched February 2026 in partnership with Toyota Insurance Services Europe, offering short-term coverage to Toyota and Lexus vehicle owners directly through the Cuvva app for test drives, driving new vehicles home, and periods between annual policies.
Target Users: Toyota and Lexus vehicle owners
Distribution: Referral via Toyota and Lexus dealer network; policy issued via Cuvva app
At a Glance
- Founded
- 2015
- Headquarters
- London, United Kingdom
- Employees
- 51-200
Category & Focus
Last updated: 2026-06-16