Cuvva – Car Insurance by the Hour
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Re: Cuvva – Car Insurance by the Hour
#2Wow, this is a great idea. The fact that you can't drive a friend's car is a crazy aspect of US auto insurance.
Is this a new company? Would it apply to Zipcar / car rentals as well as owned cars? Does anyone know of a US equivalent?
Re: Cuvva – Car Insurance by the Hour
#3UK only. This would never fly in the US, where insurance is fairly heavily regulated and on a state-by-state basis.
Europe in general has far more flexibility around insurance products and pricing.
Re: Cuvva – Car Insurance by the Hour
#4Wow, this is a great idea. The fact that you can't drive a friend's car is a crazy aspect of US auto insurance. Is this a new company? Would it apply to Zipcar / car rentals as well as owned cars? Does anyone know of a US equivalent?
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Re: Cuvva – Car Insurance by the Hour
#5Huh?
Most car insurance policies already cover lending a car to a friend. Am I missing something here?
Re: Cuvva – Car Insurance by the Hour
#6This is only really useful in the UK not the US.
In most states, comprehensive and collision coverage protects your vehicle regardless of who's driving it.
https://www.esurance.com/info/car/myth-car-insurance-follows...
Note: There are several edge cases, but it's generally not an issue especially if the person borrowing the car has their own insurance for their own car.
Re: Cuvva – Car Insurance by the Hour
#7Huh? Most car insurance policies already cover lending a car to a friend. Am I missing something here?
Not always in the UK, and if they do it's only liability and not comprehensive/collision.
Re: Cuvva – Car Insurance by the Hour
#8Wow, this is a great idea. The fact that you can't drive a friend's car is a crazy aspect of US auto insurance. Is this a new company? Would it apply to Zipcar / car rentals as well as owned cars? Does anyone know of a US equivalent?
> The fact that you can't drive a friend's car is a crazy aspect of US auto insurance.
That's not true at all. I have State Farm (IL and FL), and as long as my family member, friend, whatever has my permission to drive the vehicle, they're covered under my policy.
Re: Cuvva – Car Insurance by the Hour
#9Wow, this is a great idea. The fact that you can't drive a friend's car is a crazy aspect of US auto insurance. Is this a new company? Would it apply to Zipcar / car rentals as well as owned cars? Does anyone know of a US equivalent?
If you've read other comments here you'll find that is actually typically not the case in the US. You can drive a friend's car and be insured because the insurance is tied to the car regardless of who's driving it; granted it's not black and white.
https://www.esurance.com/info/car/myth-car-insurance-follows... http://www.claimsjournal.com/news/national/2014/06/05/249762...
Re: Cuvva – Car Insurance by the Hour
#10Huh? Most car insurance policies already cover lending a car to a friend. Am I missing something here?
Not always in the UK, and if they do it's only liability and not comprehensive/collision.
Seems pretty unique to the UK (maybe Europe?). In North America it is standard to pretty much every insurance policy.