Claims Policy

Last updated: 2026

What is an insurance claim

An insurance claim is a formal request made to your insurer after an accident, theft, fire, or damage involving your vehicle. At Cuvvar, our UK car insurance and temporary car insurance policies are designed to ensure you are protected from the moment your cover becomes active.

Once your policy starts, you are legally insured to drive in the UK for the selected duration, whether that is hourly, daily, weekly, or annual cover.

How claims coverage works

Your policy provides protection depending on the level of cover selected. Most policies include:

• Third-party liability – up to £10,000,000 for injury or property damage
• Accidental damage – repair or replacement up to vehicle market value
• Theft protection – up to £25,000–£75,000 depending on vehicle type
• Fire damage cover – up to £20,000 standard limit
• Windscreen cover – up to £500 per claim

Even temporary car insurance policies include full legal driving protection while active.

When you are insured

You are insured only during the active policy period shown on your documents. For example:

• 1-hour policy → insured for exactly 60 minutes from activation
• 1-day policy → insured for 24 hours from start time
• 7-day policy → insured continuously for 7 full days

Any incident occurring outside of your active cover period will not be eligible for a claim.

Excess (what you pay in a claim)

An excess is the amount you contribute towards a claim before insurance pays the rest.

Typical example excess amounts:

• Standard driver excess: £250
• Young driver (under 25): £450
• High-risk driver: £600–£1,000
• Performance or modified vehicles: £750+

Example: If repairs cost £2,000 and your excess is £500, the insurer pays £1,500 and you pay £500.

How to make a claim

If you are involved in an accident or incident:

• Ensure safety and contact emergency services if needed
• Take photos of damage, vehicles, and surroundings
• Exchange details with all parties involved
• Contact our claims team as soon as possible

Early reporting helps speed up the claims process and ensures accurate assessment.

Claims process timeline

Once a claim is submitted, the process typically follows:

• Step 1: Claim registration within 24 hours
• Step 2: Investigation and evidence review (1–5 working days)
• Step 3: Repair approval or total loss valuation
• Step 4: Settlement or repair authorisation

Most straightforward claims are resolved within 7–14 days.

Example claim scenarios

Here are examples of how claims may be handled:

• Minor accident: £900 repair cost → £250 excess → insurer pays £650
• Vehicle write-off: £6,500 value → £500 excess → £6,000 payout
• Theft claim: £12,000 vehicle → payout up to £12,000 minus excess
• Third-party damage: £3,000 property damage covered in full under liability limit

Temporary insurance claims

Claims under temporary car insurance are treated the same as standard policies, provided the incident occurs during the active cover period.

Even short-term policies (hourly or daily cover) include full UK legal motor insurance protection while active.

Fraud and false claims

We take fraud prevention seriously. Any false or misleading claims may result in:

• Claim rejection
• Policy cancellation
• Reporting to fraud prevention databases
• Legal action where necessary

Contact for claims

To report a claim, contact our team as soon as possible:

Email: claims@cuvvar.com

Phone: 020 8418 8138

Address: 85 Great Portland Street, London, W1W 7LT