Comparison

HMRC vs Cuvva

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HMRC

Manage your taxes, benefits, and savings securely and easily. This free app allows you to check your tax code, claim refunds, and manage National Insurance details. It offers quick setup and paperless messaging options.

Highlights
  • Quick setup with biometric login
  • Check tax code and pay
  • Claim tax refunds
  • Check State Pension details
  • Make Self Assessment payments
  • Manage Child Benefit
  • Find National Insurance number
  • Go paperless
Features
Read full description

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

About

Cuvva

Get temporary car or van insurance for durations from 1 hour to 28 days. Easily borrow or lend vehicles, insure your own car short-term, or get cover for learning to drive. Manage all your policies conveniently within the app.

Highlights
  • Temporary car and van insurance
  • Cover from 1 hour to 28 days
  • Borrow or lend vehicles
  • Insure your own car short-term
  • Learner driver insurance
  • In-app policy management
Features
Read full description

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

HMRC4 screens
Cuvva4 screens

Verdict

The call

The clearest difference is update cadence: Cuvva at weekly against HMRC's monthly. HMRC's advantage is ratings volume (610 vs 52) and device support (3 vs 1). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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 610 ratings behind it against 52, so its average is the more settled of the two. Written reviews split almost evenly too, at 49% and 48% positive.

UpkeepUpdate frequency

HMRC ships an update monthly, Cuvva weekly. The most recent releases landed on November 10, 2026 and November 11, 2026 respectively.

Scorecard3 real differences · 7 level
HMRC versus Cuvva: the parameters behind the verdict, then further details
ParameterHMRCCuvva
PriceFreeFree
Rating4.8 (610 ratings) — better4.7 (52 ratings)
Positive reviews48.7% of reviews — better48.2% of reviews
Number of ratings610 — better52
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size34 MB111 MB
Age rating4+4+
DeveloperHMRCCuvva Limited

Customer experience

HMRC

All ratings607 ratings
Positive95.2%
Neutral1.6%
Negative3.1%
Written reviews914 reviews
Positive48.7%
Neutral4.7%
Negative46.6%

Cuvva

All ratings52 ratings
Positive90.4%
Neutral5.8%
Negative3.8%
Written reviews226 reviews
Positive48.2%
Neutral4.0%
Negative47.8%

User reviews

HMRC

From 610 App Store ratings

What 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 ratings

What 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

None

HMRC

No in-app purchases

None

Cuvva

No in-app purchases

Questions

Is HMRC free?
HMRC is free to download, with no in-app purchases.
Is Cuvva free?
Cuvva is free to download, with no in-app purchases.
Which has better reviews, HMRC or Cuvva?
HMRC is rated higher. HMRC averages 4.8 out of 5 from 610 ratings, while Cuvva averages 4.7 from 52 ratings.
Do HMRC or Cuvva have ads?
Neither HMRC nor Cuvva shows ads.
Which is updated more often, HMRC or Cuvva?
HMRC ships an update monthly, and Cuvva weekly. Most recently, HMRC was updated on November 10, 2026 and Cuvva on November 11, 2026.

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