A car management app is launching a new product that promises drivers engine coverage within a minute.
Caura says it is the first app that allows users to pay and manage all aspects of their car through their phone.
It has partnered with six insurers to cover nearly all UK drivers with the full experience completed in the app for its new product, Caura Protect.
Customers can use the app to park, pay toll, tax and MOT and manage their insurance.
At a number of companies, drivers can now purchase temporary cover via an app
However, it is not the first company to offer the possibility to manage car insurance via an app.
This is Money takes a look at Caura and its competitors – and how other people have rated them.
When it comes to auto insurance, it’s vital to also check comparison websites and companies that don’t appear on it to make sure you’re paying the lowest possible price for good coverage.
Caura: Caura, a relatively new brand, was founded in 2018.
The app allows users to manage and pay for parking, toll, tax and MOT from your phone, and now buy car insurance in less than 60 seconds.
It claims this is an industry first with the full experience in the app from research and purchasing to management to document storage.
In partnership with six leading insurers – Aviva, Ageas, Markerstudy, ERS, Saber and Somerset Bridge – the company says it covers nearly all UK drivers.
Caura also says its policies are competitive with much better than that on price comparison websites.
The FCA-approved company instantly verifies users against official sources such as the DVLA, simplifying the experience and reducing the risk of insurance fraud.
Speedy: Caura says its users can purchase auto insurance in less than 60 seconds through the app
To use the service, users of the Caura app answer a short series of questions about their insurance needs and receive various quotes from six of the top UK insurers.
By selecting the best product, a user can pay for insurance in just two taps, via Apple Pay or their stored credit / debit card.
In early 2021, Caura users will be able to pay for their insurance products on a monthly basis.
After signing up, a user can access their insurance documents, make a claim and adjust their policy, all from the Caura app.
Being a new product and a fairly new company, there are very few reviews of the company online at the moment, with only one on Trustpilot. However, this is a five star review.
Cuvva: Meanwhile, Cuvva also offers term car insurance, monthly insurance and student driver insurance through its app.
Temporary auto insurance allows users to borrow a car from a friend or family member and get started in minutes, with Cuvva offering comprehensive auto insurance for just one hour.
To do this, however, drivers must be under 65, at least 19 – and if you’re under 21, have already held your driver’s license for a year, have no claims or joint debt claims, and have a car or van less than 20 years old.
There are also ‘peak times’ at Cuvva meaning that if you want to be covered during these times you may have to pay a little more.
Learner drivers can also take out temporary learner driver insurance for as little as one hour or up to three days.
Customers only need to create an account once and can get coverage quickly every time.
Cuvva’s monthly payroll insurance comes with no down payment and customers can cancel at any time.
Reviews on websites such as Trustpilot are generally positive, with an average rating of four and a half stars, although some have complained about the age limit in force.
Some quick insurance websites have rules that state that you must be within a certain age range
Veygo: Another app, Veygo, offers temporary car insurance and student driver insurance.
The temporary coverage is available from one hour to 30 days and provides users with estimated prices for the insurance online.
Users are required to provide information such as the vehicle registration, who owns it and the driver information, including their driver’s license number, so that it can tailor your quote.
Reviews on Trustpilot for Veygo are slightly less favorable with an average of three out of five stars.
Some reviewers claim that the application process isn’t easy, while others say they spent 20 minutes applying to be told they don’t qualify.
However, other reviewers added that they thought the process was simple and they were easily insured.
Tempcover: This app specializes in short-term auto insurance.
Depending on the type of vehicle you need to insure, you can choose the policy that suits your needs and choose the duration you want from as little as one hour to three months.
It also provides coverage to 17 and 18 year olds, an option not all other services provide.
This makes it one of the top rated 4.6 out of 5 stars on Trustpilot.
Many have said it is easy to use with others commenting on the value for money they received.
Vehicle Smart: This app allows users to manage much of their car data and find out the details of other vehicles.
For example, it gives users MOT and tax status for all UK vehicles, a full vehicle history and auto insurance quotes.
This means that if users want to buy a car, they can get all the information they need before buying a car.
It also provides MOT, tax, insurance and maintenance reminders, stores all your vehicles with photos, provides mileage analysis and vehicle notes for oil, tires and light bulbs.
However, customers cannot purchase products, such as car insurance, through Vehicle Smart.
Users have given it universally good reviews, with customers praising its helpfulness.
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