What Cuvva does

Cuvva is a London-based InsurTech founded in 2014 that operates the UK's first app-based temporary motor insurance platform, offering fully comprehensive short-term cover from 1 hour up to 28 days for cars, vans, learner drivers, motorhomes, and impound-release scenarios. The platform is built as a mobile-first, self-serve product: customers download the iOS or Android app, enter vehicle and trip details, receive an instant personalised quote, and purchase a policy in minutes, with policies registering in real time against the UK Motor Insurance Database and backed by underwriters Wakam and ERS. Cuvva Limited is authorised and regulated by the Financial Conduct Authority (firm reference 690273) and acts as an insurance intermediary rather than a risk carrier.

The technology stack includes biometric selfie-to-ID matching for AML-compliant identity verification, soft credit scoring combined with DVLA and MyLicence data, telematics and motion data processing for risk assessment, and AI-driven automated underwriting and pricing. Cuvva also operates Cuvva Car Clubs, a peer-to-peer vehicle-sharing marketplace that charges a 5% platform fee and bundles its own short-term insurance into each lending transaction. Revenue is generated through administration fees paid by customers and commissions received from underwriting insurers on short-term motor premiums, with a secondary stream from premium-financing referrals via PremFina and payment-processing fees in the car-sharing marketplace. Distribution has historically been direct-to-consumer via app store optimisation and referrals, but has expanded into embedded B2B2C distribution through a strategic white-label partnership with Toyota Insurance Services covering Toyota and Lexus customers across the UK and Europe.

Name

Cuvva

Legal name

Cuvva Limited

Website

https://cuvva.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Cuvva is a UK InsurTech that sells fully comprehensive temporary motor insurance from 1 hour to 28 days through a mobile app, serving individual drivers, learners, and van users, with embedded distribution via Toyota Insurance Services across Europe.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Short-term motor insurance premiums: Cuvva acts as insurance intermediary collecting premiums on behalf of insurers. Revenue comes from administration fees charged to customers and commissions from insurers based on premium percentages. Short-term policies range from 1 hour to 28 days.
2. Car Sharing platform fees: Cuvva charges a 5% fee on car sharing payments when lenders lend their vehicles to borrowers through the platform. Lenders set their own hourly/daily rates and receive payments minus Cuvva's platform fee.
3. Premium financing commissions: Through partnership with PremFina, Cuvva introduces customers to premium financing options and earns commission for facilitating monthly payment plans.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Cuvva is a UK mobile-first insurance intermediary that sells fully comprehensive short-term motor insurance through its iOS and Android apps, offering policies from 1 hour up to 28 days for cars, vans, learner drivers, motorhomes, and impound releases. It also operates a peer-to-peer car sharing marketplace (Cuvva Car Clubs) and provides a white-label embedded insurance platform for automotive OEMs such as Toyota and Lexus.

Product overview

Cuvva is a digital-first temporary car insurance platform offering flexible short-term coverage through a mobile app. The core product is short-term motor insurance providing fully comprehensive cover from 1 hour to 28 days, sold directly to consumers via iOS and Android apps. The product portfolio includes temporary car insurance, learner driver insurance, van insurance, motorhome insurance, impound release insurance, and drive-away insurance. Cuvva also operates Cuvva Car Clubs, a peer-to-peer vehicle sharing platform where owners can lend vehicles to borrowers who purchase temporary insurance. The company has partnerships with Toyota Insurance Services UK (offering white-label Toyota Short-Term Insurance by Cuvva) and financing partners like PremFina. Additional offerings include optional breakdown cover add-ons and free vehicle information tools (MOT, tax, history checkers). Underwriting is provided by Wakam and ERS, with all policies FCA regulated.

Differentiator

Problem solved

Functional benefit

Brands

• Toyota Short-Term Insurance by Cuvva: A short-term motor insurance product launched in partnership with Toyota Insurance Services UK, offering comprehensive cover from one hour up to 28 days for Toyota and Lexus customers.

Products and services

• Temporary Car Insurance Flagship fully comprehensive short-term motor insurance product covering cars from 1 hour up to 28 days, purchased instantly via the Cuvva iOS or Android app, with the ability to extend coverage in-app. Designed for individual drivers needing to borrow or use a car or van temporarily without affecting the owner's no claims bonus.
• Toyota Short-Term Insurance by Cuvva White-label embedded short-term motor insurance product developed in partnership with Toyota Insurance Services UK and Europe, offering comprehensive cover from 1 hour to 28 days for Toyota and Lexus customers for vehicle handovers, test drives, and gaps between annual policies.
• Learner Driver Insurance Hourly temporary insurance for learner drivers with a provisional licence, providing up to 3 hours per day of cover with a qualified supervisor present. Usually cheaper than being added to a parent's annual policy and protects the car owner's no claims bonus.
• Temporary Van Insurance Short-term van insurance for business and personal use, covering commuting, driving to sites, and carrying equipment. Includes carriage of own goods cover and Class 1 business use with fully comprehensive protection.
• Impound Car Insurance Temporary insurance specifically designed to release vehicles from police impound lots, providing the proof of insurance required by authorities for vehicle retrieval.
• Drive Away Insurance Temporary insurance covering newly purchased vehicles so buyers can legally drive a car home from a dealership or private sale immediately upon purchase while arranging longer-term cover.
• Motorhome and Campervan Insurance Fully comprehensive temporary insurance for motorhomes and campervans, providing flexible short-term cover from 1 hour duration as an alternative to traditional annual policies.
• Cuvva Car Clubs Peer-to-peer car sharing platform enabling car owners to list their vehicles for others to borrow using Cuvva's temporary insurance. Supports both private invite-only and public car clubs, with optional pricing for lenders and built-in payment processing. Cuvva charges a 5% platform fee on car sharing payments.
• 1 Hour Car Insurance Shortest-duration temporary car insurance product offering fully comprehensive cover for 1 hour from £12.55, designed for quick trips, unexpected errands, or borrowing a car for a short journey.
• 1 Week Car Insurance Weekly temporary car insurance duration offering fully comprehensive cover for 1 week from £43.97, targeted at regular short-term drivers needing cover for longer trips or visits.
• International Driving Licence Cover

Quantifiable outcome

• 15 million+ policies sold since 2015
• +5 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability6 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core, minor, flagship and supporting.

• HOLD Storage LondoncoreStrategic or Co-development Partner · 25 March 2026Partnership to enhance self-storage offering by providing on-demand vehicle access and flexible short-term insurance for customers at London facilities. Addresses transport accessibility, a key barrier to storage usage in the capital, creating an integrated experience for moving, storing, and managing belongings.
• Enterprise Car ClubminorChannel Partner/ Reseller/ Distributor · 25 March 2026Partnership with Enterprise Car Club to provide on-demand vehicle access combined with Cuvva insurance, enabling car club members to access vehicles with built-in flexible short-term coverage.
• Toyota Insurance Services UKflagshipOEM/ Whitelabel/ Licensing Partner · 4 February 2026Strategic partnership to launch Toyota Short-Term Insurance by Cuvva, offering comprehensive cover from 1 hour to 28 days for Toyota and Lexus customers. Product enables customers to activate coverage via Cuvva's mobile app, supporting vehicle handovers, temporary cover requirements, and gaps between annual policies. Jason Milton, chief executive at Toyota Insurance Services UK, stated the partnership combines Toyota's reputation for trust with Cuvva's flexible, app-based insurance platform to meet evolving customer needs throughout their mobility journey.
• Toyota Insurance Services EuropeflagshipOEM/ Whitelabel/ Licensing Partner · 3 February 2026Strategic partnership extending across Europe to launch Toyota Short-Term Insurance by Cuvva for drivers across Europe. Product enables Toyota and Lexus drivers to purchase short-term, app-based motor insurance for driving newly purchased cars home from dealerships, test drives, or temporary cover between annual policies. Partnership aims to address growing demand for flexible insurance as car ownership models evolve.
• WakamcoreOthersUnderwriter for Cuvva's short-term motor insurance policies. Wakam is the insurance company backing policies alongside ERS.
• ERS (Elliott Insurance Services)coreOthersUnderwriter for Cuvva's short-term motor insurance policies. ERS provides the insurance backing for policies alongside Wakam.
• Aphaia LtdsupportingTechnology or IntegrationIndependent Data Protection Officer (DPO) for Cuvva. Provides data protection oversight and compliance support. Contact: [email protected], Eagle House, 163 City Road, London, EC1V 1NR.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Dayinsure: UK specialist in 1-hour-to-30-day temporary car insurance, distributed online and via app. Direct substitute for Cuvva's core hourly-to-weekly cover with overlapping customer use cases (borrowing cars, test drives, gap cover).
• Tempcover: One of the UK's largest temporary and short-term motor insurance providers. Competes head-to-head with Cuvva on hourly, daily and weekly car, van and learner cover for individual drivers.
• GoShorty: UK short-term and learner driver insurance provider offering hourly to monthly cover via a digital-first flow. Closely comparable product set and target customer to Cuvva's learner and temp-car propositions.
• Veygo: UK app-based temporary and learner driver insurance brand under Marmalade. Directly comparable to Cuvva on learner cover and short-duration car insurance for younger drivers.

Emerging players

• Zego: UK insurtech providing flexible, usage-based motor cover with telematics for gig-economy and fleet drivers. Overlaps with Cuvva on app-based, data-driven short-duration underwriting rather than consumer temp cover.
• Marshmallow: UK car insurtech using data-driven underwriting for drivers (originally focused on international licences). Comparable on digital-first underwriting, soft-data pricing and UK motor distribution.
• By Miles: UK pay-by-mile telematics car insurer with a mobile-first experience. Comparable on telematics-led risk pricing and app-native policy management, though focused on annual policies rather than hourly cover.
• Wrisk: UK embedded-insurance infrastructure platform that enables brands to distribute insurance products digitally. Closely comparable to Cuvva's emerging OEM/embedded (Toyota) distribution strategy from the B2B platform side.

Broad incumbents

• Admiral Group: Largest UK motor insurer by market share with extensive digital distribution and price-comparison presence. Sets the competitive price benchmark that Cuvva must beat on temporary cover.
• Direct Line Group: Major UK general insurance carrier with significant motor book and growing digital capabilities. Represents the incumbent channel against which Cuvva's app-based model competes for UK drivers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cuvva
• Facebookfacebook.com/getcuvva
• LinkedInlinkedin.com/company/cuvva
• Instagraminstagram.com/getcuvva
• TikToktiktok.com/@cuvva?

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds5 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cuvva