HMRC vs Cuvva
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HMRC
Manage your taxes, benefits, and savings securely and easily. Check your tax code, claim refunds, and track your State Pension. Access Self Assessment and Child Benefit information, and find your National Insurance number.
- Quick secure sign-in
- Check tax code and pay
- Claim tax refunds
- View State Pension details
- Self Assessment payments
- Manage Child Benefit
- Find National Insurance number
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Take control of your money and tax with the HMRC app It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app. Key Features: - Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN - Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount - Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one - Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can - Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file - Child Benefit support: claim, manage, and update your Child Benefit details - National Insurance: find and save your National Insurance number so you have it when you need it - Go paperless: opt to receive key messages from HMRC online Download the HMRC app today and stay on top of your money and taxes
Cuvva
Get temporary car, van, or learner insurance for as little as one hour up to 28 days. Easily borrow or lend vehicles, insure your own car short-term, or get cover to practice driving. Manage your policies entirely through the app.
- Temporary car insurance
- Van insurance
- Learner driver insurance
- Borrow or lend vehicles
- Flexible policy durations (1 hour to 28 days)
- In-app policy management
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Join the 1 million+ drivers enjoying quick and easy, temporary car, van and learner insurance with Cuvva. Download the Cuvva app, get a quote and be covered in minutes. Lend or borrow a car whenever you need to, or insure your own car until you sort out longer-term cover. Our fully comprehensive policies last from 1 hour to 28 days, so you can: - Drive your new wheels home from the dealership - Share the drive with friends on your next road trip - Borrow a car from your family or friends - Save on a removals van when you’re moving house by borrowing one yourself - Learn to drive for up to 6 hours a day with a provisional licence Whenever you need to get behind the wheel, we’ve got you covered. Once you’re insured, you can manage everything within the app. So, whether you need to book a policy in advance or extend your cover, you can sort it all from your phone. The best part is you don’t have to own a car to drive one. With Cuvva, it’s just as easy to get affordable insurance on someone else’s car as it is to insure your own. That’s why we’ve sold over 10m policies (and counting). Cuvva is authorised and regulated by the UK Financial Conduct Authority. Our FCA reference number is 690273. You can check our details on register.fca.org.uk.
Screenshots
Verdict
The clearest difference is update cadence: Cuvva at weekly against HMRC's monthly. HMRC's advantage is ratings volume (583 vs 52) and monetization model (free vs ad-supported). On price, rating, review sentiment and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for HMRC against 4.7 for Cuvva. That said, the two scores are not equally well evidenced: HMRC has 583 ratings behind it against 52, so its average is the more settled of the two. Written reviews are what separate them: 47% of HMRC's written reviews are positive against 50% of Cuvva's.
HMRC ships an update monthly, Cuvva weekly. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.
| Parameter | HMRC | Cuvva |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (583 ratings) — better | 4.7 (52 ratings) |
| Positive reviews | 47.3% of reviews | 50.5% of reviews — better |
| Number of ratings | 583 — better | 52 |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 34 MB | 123 MB |
| Age rating | 4+ | 4+ |
| Developer | HMRC | Cuvva Limited |
Customer experience
HMRC
Cuvva
User reviews
HMRC
From 583 App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Straightforward payment process
- 💡 Useful information and updates
- 🔒 Secure authentication
Room to improve
- 🐛 Frequent login issues and app crashes
- 🤔 Confusing navigation and UI
- ⚠️ Lack of communication about tax changes
- 🕰️ Slow and unresponsive app
Cuvva
From 52 App Store ratingsWhat we love
- 💯 Excellent service
- ⚡ Quick and easy to use
- 💰 Affordable prices
- 🤝 Great customer support
- 🚗 Convenient for temporary insurance needs
Room to improve
- 🚫 Difficulty getting insured
- 💰 Expensive pricing
- 📢 Excessive notifications/ads
- 🤖 Issues with AI/facial recognition
- 🔒 Concerns about legitimacy and coverage
Bugs and requests
HMRC
Reported bugs
4 issues- Endless login loops and redirects
- App freezing and becoming unresponsive
- Inconsistent behavior after app updates
- Issues with Face ID and biometric authentication
Requested features
4 requests- Improved notification system for tax updates
- Ability to view and manage tax details in-app
- Better integration with banking apps for payments
- More user-friendly design and navigation
Cuvva
Reported bugs
3 issues- App freezing or crashing
- Issues with photo uploads and verification
- Inconsistent or incorrect quotes
Requested features
3 requests- Expand coverage to more vehicle types
- Improve account management and cancellation options
- Provide more transparency on pricing and policies
In-app purchases
HMRC
No in-app purchases
Cuvva
No in-app purchases









