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Cuvva is currently UK-only. Here if you drive a friend's car, you're normally only covered for damage to third parties. With Cuvva, it's a full comprehensive policy.
This is not typically relevant for the US. However we are interested in the potential for other products which might work in the US.
Earlier quoted context omitted.
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.
This 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.
This 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.
What stops someone who is cheap to insure (like a retired person) taking out the insurance policy, then someone who is very expensive to insure (like someone with drink driving convictions) actually using the car all the time?
This 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.
What stops someone who is cheap to insure (like a retired person) taking out the insurance policy, then someone who is very expensive to insure (like someone with drink driving convictions) actually using the car all the time?
When I was younger, my dad had my car on his insurance policy, but didn't tell me that it was cheaper because he said I lived at his address and only drove in the (rural) area he lived. When I had a minor collision in a parking lot, we both found ourselves without insurance.
Hey. I built Cuvva. Exciting to see it posted on HN, causing a lot of traffic to our site! Cuvva is currently UK-only. Here if you drive a friend's car, you're normally only covered for damage to third parties. With Cuvva, it's a full comprehensive policy. This is not typically relevant for the US. However we are interested in the potential for other products which might work in the US.
Earlier quoted context omitted.
What stops someone who is cheap to insure (like a retired person) taking out the insurance policy, then someone who is very expensive to insure (like someone with drink driving convictions) actually using the car all the time?
Nothing, really, but if that person gets into an accident, the insurance will probably be canceled immediately. When I was younger, my dad had my car on his insurance policy, but didn't tell me that it was cheaper because he said I lived at his address and only drove in the (rural) area he lived. When I had a minor collision in a parking lot, we both found ourselves without insurance.
Wow, 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.
The wikipedia page even mentions this: "Although frequently not explicitly stated, US car rental companies are required by respective state law to provide minimal liability coverage, except in California, where the driver is solely responsible."
Of course, minimal liability is only good if you have no assets whatsoever...
But... I'm wondering why this is tech news. Is now every service, but done on a computer, suddenly tech news?
(If so, then I predict this will become a boring place, because there are a gazillion services out there that can be computerized.)