Cuvva – Pulpaddict

Top 10 cheapest cars to insure with temporary insurance

With the average cost of annual car insurance hitting a record high of £924 last month, more drivers are considering switching to borrowing vehicles instead, claims a leading temporary car insurance provider.

According to Cuvva, UK drivers bought more than 2.5 million short-term policies last year via its app.

Now Cuvva has analysed the one-hour policies sold (more than 600,000) to uncover which cars are the cheapest to insure for an hour with temporary car insurance.

On average, each of these cars can be insured for less than £13 an hour. And while the Ford Ka comes in as the cheapest car to insure, there are also some larger and more premium cars among the Top 10.

Temporary car insurance lets drivers borrow cars from friends and family quickly and simply, so there’s no need for drivers to own a car in order to drive one. As a separate comprehensive policy, the car owner’s insurance and no claims bonus is protected if something were to happen.

Top 10 cheapest cars to insure with temporary insurance

Ford KA – £12.05/hr
Fiat 500 – £12.15/hr
Mini One – £12.16/hr
Citroen Berlingo – £12.30/hr
Citroen C1 – £12.31/hr
Vauxhall Meriva – £12.36/hr
Kia Sportage – £12.48/hr
Volkswagen Touran – £12.50/hr
Peugeot 107 – £12.53/hr
Mini Cooper – £12.56/hr

“More and more drivers are choosing to borrow cars from friends and family to get around because it’s affordable,” said Darryl Bowman from Cuvva.

“The type of car you choose to drive can make a big difference to the price you pay for your insurance too.”

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Five most common driving offences revealed

Gareth Herincx

1 day ago
Auto News

Speeding remains the most common offence on British roads with almost 200,000 people caught between January and March this year alone, according to the latest data.

A Freedom of Information request by leading temporary car insurance provider Cuvva to the Driver and Vehicle Licensing Agency (DVLA) highlighted the top five mistakes drivers made in the first quarter of 2023 that resulted in penalty points being added to their licence.

Most drivers issued with penalty points for exceeding the limit on public roads (156,457) were hit with an SP30 offence code – particularly worrying because speed is one of the main factors in fatal road accidents.

After speeding, the next most common offence was driving uninsured. Despite it being a legal requirement, the data shows a staggering 10,286 drivers took to the road without cover (IN10).

If you are caught driving a car uninsured in the UK, you could be faced with a fixed penalty of £300 and six penalty points. If the case goes to court, you could get an unlimited fine or even lose your driving licence.

In some cases, the police have the ability to seize or even destroy the car that is being driven uninsured.

Using a mobile phone at the wheel (CU80) is one of the fastest rising driving offences (35% up on the same period last year). This reflects a crackdown after changes to the Highway Code last year made it illegal to even touch your phone while driving. That includes browsing playlists when queueing in traffic.

The fifth most-common driving offence that led to penalty points was for car owners failing to give information regarding who was driving their car when an offence was committed (MS90).

Five most common road offences

SP30: Exceeding statutory speed limit on a public road – 156,457 drivers
SP50: Exceeding speed on a motorway – 38,386 drivers
IN10: Using a vehicle uninsured against third party risks – 10,286 drivers
CU80: Breach of requirements as to control of the vehicle, such as using a mobile phone – 7,135 drivers
MS90: Failure to give information as to identity of driver etc – 5,224 drivers

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Top 25 things drivers dread most

Gareth Herincx

3 days ago
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Travelling in the snow, reversing around a corner and overtaking cyclists are among the most uncomfortable scenarios for motorists, new research has revealed.

A study of 2,000 drivers by flexible car insurance firm Cuvva found one in 10 dislikes or hates driving and nearly a quarter (24%) feel less confident now than they before the pandemic as a result of driving less over the last 18 months, with 16% going as far as to say they have ‘forgotten’ how to drive.

Top 25 things drivers feel most uncomfortable doing

Driving in snowy conditions
Driving in a new town or city
Roads where there are lots of lanes and you need to be in the right one
Driving in the dark
Driving in wet and rainy conditions
Lorries
Overtaking cyclists
Areas where there is lots of traffic
Motorways
Parallel parking
Reverse parking
Areas where there are lots of children (e.g. near schools)
Country roads
Roundabouts generally
Areas where there are lots of pedestrians
Changing lanes
Buses
Turning into a road on the right, and having to cross the traffic
Reversing around a corner
Learner drivers
Giving someone else a lift
Having to turn right at a roundabout
Mini roundabouts
Dual carriageways
Having to do a three-point turn

The study also found 29 per cent of drivers try to avoid travelling outside of their local area to stay away from unfamiliar roads.

And a quarter are reluctant to give other people lifts – even if they are going to the same destination – due to their nerves.

Nearly one in five would take a longer route to avoid busy areas (18%) while 16% would go further than needed to stay away from motorways.

Others would plan their journey to avoid having to parallel park (12%), dual carriageways (7%) and roundabouts (7%).

Almost a fifth of drivers are also nervous about the prospect of long-distance journeys as the nation prepares for a summer of staycations, with 21% even planning their break around the length of the drive.

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