Cuvva: A New Kind of Insurance

Insurance is one of those things that you’re glad you have when you need it, but the rest of it time it feels like a waste of money. Car insurance in particular is one of those things that often requires a large and often expensive outlay, even if you only need it for a short term.

The problem is that insurance is very binary. You either have it for the duration of the coverage, or you don’t. If you’re not a regular driver, for example, you might just want insurance for a week here, or a few days there.

Travel insurance too is something that can be complicated, with varying levels of coverage and things like sports often excluded.So, what can be done?

Cuvva is one of a new breed of insurance companies who have identified that insurance needs to change. They offer travel and car insurance with the aim of being more flexible than other providers. So how does it work and is it worth using Cuvva?

On demand car insurance

If you’ve ever needed car insurance for just a few days you’ll know how much of a pain it can be to organise. Cuvva has made the whole process of getting temporary car insurance something that can be done in moments.

Need to borrow a friends car for a few hours? Or perhaps just need to drive your new purchase home, but you haven’t got full coverage for it yet.

You can either download the Cuvva app, or visit their webpage, and organise coverage from 1 hour up to a month.  It can also work for adding additional drivers onto your own vehicle for a short or medium term solution.

 

Want to allow family members or friends to take your car for a quick run? Simply add their details in the app, and a few minutes later they’ll be covered for as long as you want. You can also extend the coverage in the app if you need a little longer.

Another interesting feature is that Cuvva provide quick and easy coverage for learner drivers too. At the moment, this requires registering for a quote, which can be done through the app or website, so no on demand car insurance for learner drivers yet. But, the process is still much simpler and more transparent than the traditional alternative.

Cuvva are also looking to offer a monthly subscription car insurance service, which they are aiming to launch in 2020. Keep an eye out, but it will offer a monthly subscription, with the offer to cancel any time with no fees or penalties. The coverage will still include a no-claims bonus at the end of the year (if you haven’t claimed, that is.)

Want to allow family members or friends to take your car for a quick run? Simply add their details in the app, and a few minutes later they’ll be covered for as long as you want. You can also extend the coverage in the app if you need a little longer.

 

 

Private Hire Insurance

Another interesting feature that Cuvva are about to offer is private hire insurance, for those of you becoming drivers for ride hailing services. Their cover will be valid from 1 to 4 days, although applicants will need to be the owner of the vehicle (so no fleet or hire vehicles allowed). The vehicle will also need to be licensed for private hire, with a maximum capacity of 4 people, and also have existing insurance cover for social/domestic use

On demand travel insurance

When heading off on your travels, getting insurance is often a last minute thing. And, if you’re expecting to do anything fun, like adventure sports, skiing, cycling or something else slightly risky, it’s normally not covered, meaning you need to get specialist coverage.

For a start, Cuvva offers sports and activities coverage as standard. So if you’re off on a cycle tour of the mountains, or you decide to do some impromptu scuba diving on holiday, you’ll be covered.

Cuvva offer an adjustable coverage, with excess from £50 to £500, offering a coverage of up to £10,000,000 for medical emergencies. And, all Cuvva travel insurance coverage comes with a minimum of £250 equipment and baggage cover.

It’s also easy to add people, such as family members, to your coverage. And, with the app on your phone, you’ll have easy access to the insurance policy documents should you ever need them.

If you’re looking for hassle free insurance, take a look at Cuvva. You can find out for yourself what you could save by clicking the link below.

 

 

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