Comparison

Cuvva vs Premium Credit

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

Head to head
About

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.

Highlights
  • Temporary car insurance
  • Van insurance
  • Learner driver insurance
  • Borrow or lend vehicles
  • Flexible policy durations (1 hour to 28 days)
  • 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.

About

Premium Credit

Upload identity documents and review loan details to support your loan application. Securely verify personal information, eSign terms, and submit required photos for processing. This app is for Irish residents who have already applied for a loan.

Highlights
  • Secure login and personal detail confirmation
  • Review loan details
  • Review and eSign loan terms
  • Upload ID photos
  • Secure document submission
Features
Read full description

Use the Premium Credit eJourney App to upload your identity information in support of your loan application. The information you give us will be used to create your customer file, verify your identity and process your loan application. You have been directed to this App following the loan application you made to us. You will have received an Access Code via SMS and/or Email to unlock the app, allowing you to send us your identification information. With this App, you can: 1. Login securely and confirm your personal details are correct. 2. Review your loan details. 3. Review and accept the terms and conditions of your loan application, and eSign if you wish to proceed. 4. Send us your photo and photos of the ID documentation required to support your loan. 5. Upload everything to our secure server so we can review and progress your application. If you have any difficulty using the app, press the help icon for assistance. IMPORTANT: This app is for Irish resident customers only. To use the App you must have made a loan application to Premium Credit. Premium Credit Limited trading as Premium Credit Ireland and Fairway Credit is regulated by the Central Bank of Ireland.

Screenshots

Cuvva4 screens
Premium Credit4 screens

Verdict

The call

The clearest difference is rating: Cuvva at 4.7 against Premium Credit's 3.0. Cuvva also leads on update cadence (weekly vs every 3 months) and review sentiment (48% vs 25%). Premium Credit's advantage is monetization model (free vs ad-supported) and device support (3 vs 1). On price, ads, in-app purchases and iOS requirement 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

Cuvva holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: Cuvva has 52 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 48% of Cuvva's written reviews are positive against 25% of Premium Credit's.

UpkeepUpdate frequency

Cuvva ships an update weekly, Premium Credit every 3 months. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

Scorecard6 real differences · 4 level
Cuvva versus Premium Credit: the parameters behind the verdict, then further details
ParameterCuvvaPremium Credit
PriceFreeFree
Rating4.7 (52 ratings) — better3.0 (1 ratings)
Positive reviews48.2% of reviews — better25.0% of reviews
Number of ratings52 — better1
Update frequencyWeekly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size111 MB73 MB
Age rating4+4+
DeveloperCuvva LimitedPremium Credit

Customer experience

Cuvva

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

Premium Credit

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%
Written reviews4 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

Bugs and requests

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

Premium Credit

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Cuvva

No in-app purchases

None

Premium Credit

No in-app purchases

Questions

Is Cuvva free?
Cuvva is free to download, with no in-app purchases.
Is Premium Credit free?
Premium Credit is free to download, with no in-app purchases.
Which has better reviews, Cuvva or Premium Credit?
Cuvva is rated higher. Cuvva averages 4.7 out of 5 from 52 ratings, while Premium Credit averages 3.0 from 1 ratings.
Do Cuvva or Premium Credit have ads?
Neither Cuvva nor Premium Credit shows ads.
Which is updated more often, Cuvva or Premium Credit?
Cuvva ships an update weekly, and Premium Credit every 3 months. Most recently, Cuvva was updated on October 24, 2026 and Premium Credit on October 20, 2026.

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