insurance

OUT WITH THE OLD IN WITH THE EASY

Caura’s revving the UK’s insurance revolution. We asked everyone what drives them crazy about sorting car insurance. Then created features to fix it.

Getting an insurance quote on Caura
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Fast

Get a quote and buy in under 60 seconds.

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Frank

Using DVLA records and trusted, tip-top UK insurers.

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Freedom

Effortlessly make changes or claims without waiting on a call.

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At your fingertips

Easy-read policies and all info, all in one place.

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WHAT CAURA USERS SAY
"Everything all in one app, makes it so much easier to remember the legal stuff!"

Top UK insurers. Backed by the best.

Caura’s FCA number: 923662

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FCA regulated

We check out each and every insurer we work with. Very carefully. Caura’s also authorised and regulated by the Financial Conduct Authority (FCA).  So you’re in safe hands.

Policy detail screen to manage your car insurance policy on Caura
DOCUMENTS

Policies in your pocket

Putting all the documents in the palm of your hand. Download your records and driving licence onto the app.

Get The App
SUPERFAST

Glide through

Get competitive insurance quotes in under 60 seconds! We cut our question set by 40% to get you a speedy quote, and our customer support team are contactable on the app, ready day or night if you need advice. Need to make a claim? Our dedicated claims team can help, irrespective of whether you’re insured with Caura or not.

Insurance quote list with affordable quotes on Caura
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RENEWALS

Year in, year out

Get reminded when your insurance runs out and rewarded for sticking with us. (Cheers to that).

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Caura app screen to get an insurance quote or make an insurance claim
Key Benefits

Brilliant benefits. No need to pay extra. Our policies include:

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Windscreen cover

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Contents cover

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A courtesy car

READ
The Roadeo

Get expert advice from our insurance team…

Cost of living

Combatting the rising cost of car ownership

Driving is getting more expensive

The cost of living is increasing rapidly, faster than at any other time in recent years. One expense that’s rising is owning a car.

Last week, we saw the cost of...

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FAQ

Questions?

Find answers to common questions here. If you can't find what you're looking for then email us on support@caura.com and we'll get back to you.

My account
Do I have to sign up to access Caura?

Yes. To enjoy the benefits of Caura, like timely reminders for tax and insurance, and ultrafast city charge and toll payments, you’ll need to create an account. This is so we can let you know about important expiry dates and booking details.

Can I change the email address I use for Caura?

You can’t currently change your email address on Caura (but we are working on it). As a workaround, you can log out of your current account and sign up with a new email address. We won’t be able to transfer the history over.

What happens if I forget my account credentials?

Easily done. Just tap ‘Forgot Password’ on the Log In screen - we’ll send you a password reset link via your registered email address. If you used your Google or Apple profile details (instead of an email address) to create your account, you’ll need to continue to use this sign-in method.

My account has been suspended, why?

Your account may be suspended as a precaution if we see evidence of fraud or a violation of our terms of service. Please email support@caura.com or send us a message in-app, and we can investigate this with you.

How do I delete my account?

Please email support@caura.com or send us a message in-app, and we can take care of that for you. Please feel free to let us know why you want to leave, as we’re always working to improve Caura for drivers like you.

Managing vehicles
How do I add or remove vehicles from my account?

To add a vehicle, simply swipe to the left on your current vehicle or tap the ‘+’ icon on the Home screen. To remove a vehicle, tap and hold on the vehicle image.

My vehicle cannot be found when I add my number plate, why not? 

All vehicles registered with the DVLA should show on Caura. Please make sure you are entering a valid number plate recognised by the DVLA. If the problem persists please email support@caura.com. 

Why can’t I see my updated vehicle details (e.g. tax, MOT) on Caura?

If you have made the update on Caura (e.g. paid for tax on Caura), it should update automatically within a few days. If it doesn't, you can pull down the image of your vehicle from the Home screen, which will refresh the app.

Notifications & reminders
Do I need to enable notifications? 

Caura notifications help keep you updated on any upcoming renewal or expiry dates for your vehicle, as well as important transaction details. If you’re an AutoPay user, you’ll need to have them on so we can contact you in case of failed payment or changes to your AutoPay status.

I turned off notifications, how do I re-enable them?

If you turned off push notifications, you can enable again by going to Settings on your device and scrolling down to Apps and selecting Caura. From there, simply switch on ‘Allow Notifications’ from within the Permissions section. 

Does Caura tell me whether I’ve driven into a charging zone (e.g. ULEZ)? 

Only Caura AutoPay users will receive notifications confirming they have entered a charging zone, and this currently only applies to London Congestion, ULEZ & LEZ charges. When you drive into these London charging zones, TfL automatically recognises your vehicle and up to 5 days later they notify us of your journey. We’ll then let you know and automatically take payment from your card. 

What expiry reminders can Caura provide for my vehicle? 

Caura helps keep you updated on upcoming renewal or expiry dates for you vehicle, including tax, MOT and insurance. You’ll need to manually add your insurance renewal date into the app, MOT and tax reminders will be generated automatically.

Managing payment methods
How do I add or remove a payment method?

You can add, remove and set your default payment method via the Payment Methods screen, accessed via the Account tab. To remove a payment method, swipe it to the left. To set a payment method as the default option, swipe it to the right.  

What if I need to change my AutoPay payment method?

Go to your AutoPay account in-app (by going to the City Charges screen). From your AutoPay account, tap the current payment method selected. You can then choose to change your payment method tied to your AutoPay, either select an existing payment method or add a new card to Caura. 

Driving licence
Who can add their driving licence to Caura? 

If you have a full UK driving licence, you can store a digital copy of your licence within the Caura app.

How do I add my licence to Caura?

To add your licence, head to the Account tab in-app and then tap on Driving Licence

Why should I add my driving licence to Caura?

Adding your licence unlocks many benefits, such as access to better insurance pricing, the ability to skip long forms when searching for insurance quotes, and staying up-to-date on any penalty points and restrictions.

Can I renew my driving licence on Caura? 

We are working hard to enable you to renew your driving licence within Caura. Until then please use the DVLA portal via the link.

Insurance
Who can get vehicle insurance through Caura?

Drivers with a full UK driving licence can access competitive quotes from the UK’s most trusted insurers through Caura. To be sure you meet all requirements, make sure you review the list on the Eligibility screen before searching for quotes. 

What type of cover does Caura offer?

We have a choice of cover, depending on your needs. As standard, all of our policies provide cover for theft of your vehicle, accidents, windscreen damage, contents cover, personal accident, travelling in Europe and a courtesy car in the event of a claim.

Some of our insurance partners don’t offer some features such as loss of keys or mis-fuelling cover. Take a look at the benefits and features included in each quote before you buy.

Please make sure you view the benefits and cover of each quote before you make a decision. If you’re not sure, get in touch through insurance@caura.com or in-app and we’ll help explain our cover options further.

Is insurance with Caura really value for money?

As with anything, you should always check that the cover and benefits are good value for money and you should always shop around.

Do remember, value isn’t always just price; it’s cover, benefits, service, peace of mind and knowing who’s got your back when you need it most.

Who are Caura?

Caura was founded in 2018 by a team of auto enthusiasts and engineers with a simple mission: to make life easier for motorists. We got fed up with complicated car insurance and tolls never telling you to pay. Holding a ticket in one hand and a fine in the other, we’d had enough.

Gone are the days of remembering different logins and a folder full of apps for your car. With Caura, sort tolls, tax, MOTs, insurance, city charges and more. Welcome to an entirely new way to manage everything car.

Caura Ltd is authorised and regulated by the Financial Conduct Authority, FCA registration number 923662.

Which insurance companies does Caura work with? 

We only work with A-Rated insurers and the very best motor insurance providers in the U.K. 

Caura is partnered with the UK’s top insurers like Aviva, LV, Ageas and ERS, as well as a number of niche specialists.

How can I make a complaint?

We’re committed to offering outstanding customer service and we’re proud of our fantastic customer reviews.  However, if you feel that we haven’t lived up to these high standards, we’d love to hear from you and have the chance to make things right.  You can contact us in a variety of ways:

Email – insurance@caura.com 

In-app – message us directly inside the Caura app

Telephone – 0333 880 6942

Does the Financial Service Compensation Scheme apply to my policy?

Yes, all of our insurance partners are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit. You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 741 4100 or 0800 678 1100 or by visiting their website.

How can I make changes to my policy?

To make changes to your personal details, including your payment details or to change the cover you have in place, head over to the app and tap ‘Get in touch’. Yep, it’s that simple.

How can I cancel my insurance policy?

You can cancel your policy cover by getting in touch in-app, by email at insurance@caura.com or by telephone on 0333 880 6942. Information about how we will process your cancellation are outlined in the terms of business and the terms and conditions of your policy.

If you have had a claim and you have been paying the premium in instalments, you will be required to pay the remaining full annual premium to us. If you use the policy, you must pay for it.

If you have an annual policy, a pro-rata refund will be given.

On all cancellations we reserve the right to charge our cancellation administration fee. See our fee structure outlined in the terms of business (accessible in-app) for clarity on how this may impact your refund.

When does my cover begin?

Your policy will start from 00:01 hrs on the day you set as your policy start date, unless you’ve purchased your insurance on the day that the policy starts, in which case you’ll be covered from the time you purchased.

Am I covered for incidents that occurred before my policy started?

No. Any incident before your vehicle insurance start date is not covered and any attempt to make a claim under these circumstances is an act of fraud and is taken very seriously. 

Who is covered on my Caura insurance policy?

Any individual named on your schedule of insurance is covered to drive the vehicle that you’ve insured. Your policy schedule can be found in-app, simply tap ‘Insurance’ on the vehicle’s Home screen. 

What documents will I receive when I purchase insurance through Caura?

Immediately after you purchase a policy with Caura we will automatically store your policy documentation in-app where they will be instantly available to view. We’ll also email out a copy of the documents. The documents will include:

  • Policy schedule
  • Certificate of motor insurance
  • Insurance product information document
  • Your policy terms and conditions
  • Terms of business agreement

If you do want printed copies, just ask us by emailing insurance@caura.com, getting in touch via the app or call us on 0333 880 6942 

How can I pay for my insurance policy?

You can pay for your vehicle insurance policy annually, or by 10 monthly instalments with a 2 month deposit.

For monthly payable policies your premium will be funded by Premium Credit Ltd (subject to affordability and credit checks) and a direct debit will be set up and the monthly payments will be taken from the bank details you shared when you purchased the policy.

How do I make a claim?

To make a claim, head to the Caura app, select Insurance and tap on ‘Make a claim’.

You can also get in touch by calling the Caura claims team on 0345 634 9410 or sending an email to insurance@caura.com.

Is there an excess fee to make a claim?

Yes, for each approved claim there may be an excess to pay. Depending on who is at fault for the claim, the excess could be refunded to you or, in some circumstances, not required initially. All excess levels differ and may increase if you selected to add a voluntary excess to reduce your insurance premium. For details on the excesses on your policy head to the Caura app, tap Insurance and select ‘Policy Schedule’. Your excesses are detailed on page 1. If you’re unsure, just get in touch via the app, email us at insurance@caura.com or give us a call on 0333 880 6942.

What are the fees for making changes to my policy? 

Fees and charges as follows:

  • Arrangement of new policies and renewals - Up to £100
  • Policy alterations - £10
  • Policy cancellation - up to £50, except where you receive a promotional discount, purchased your policy using referral credits (in part or in full), cashback, or gift, then your cancellation fee will be equal to the amount of the promotional offer you received plus a cancellation administration fee of up to £50
  • Replacement policy documentation (hard copy) - £25
  • Information provision under Data Protection Act - £25
What is acceptable as proof of no claims discount?

This can be a copy of the renewal invite you’ve received from your previous Insurance provider or a letter stating your no claims discount level once your previous policy has expired. Either way, we’ll need your proof of no claims discount to be shared with us within 14 days of your policy starting.

The document you share with us must show your name, address, expiry date and level of no claims discount. You can share this in-app or at insurance@caura.com.

What happens if I give false information?

We rely on you to provide true and accurate details when you take out an insurance policy with Caura and when you report any claim to us. If false, inaccurate or misleading information is provided to us at any time this could invalidate your policy and any claim that you make and your policy may be cancelled.

How does Caura deal with fraud?

We have measures in place to detect and defer fraud. We pass any information we have to fraud agencies and insurers. We will always prosecute if fraud is proven.

How do I renew my insurance policy with Caura?

Renewing your insurance is simple. Regardless of if you’re paying monthly or annually we’ll ensure you have continuous cover by auto-renewing your policy, unless you advise us otherwise. Don’t worry, before renewing your insurance we’ll write to you with the renewal terms, policy and schedule. If you don’t wish to renew your policy just get in touch in-app, email us at insurance@caura.com or give us a call on 0333 880 6942.

What if any of my details have changed prior to renewal?

If you need to make any changes just get in touch with our team in-app, email us at insurance@caura.com or give us a call on 0333 880 6942. We will let you know if the changes you need to make have any impact on the renewal terms that we’ve sent you.

Will I receive new quotes when I renew my insurance?

Yes, we’ll send these to you via email and also in-app. You’ll receive a choice of products and cover, including staying with the Insurer that’s currently covering you, alongside your insurance schedule, IPID (insurance product information document) and policy terms and conditions.

I haven’t received a renewal invite?

Our renewal process is automated, if you haven’t received your invite, please just get in touch with our team via the app, email us at insurance@caura.com or give us a call on 0333 880 6942.

How can I pay for my insurance renewal?

If you pay annually, we’ll automatically collect the premium from the card that you paid for your policy with previously. For monthly policies there’s no need for a deposit, we’ll simply spread your payments with our payment provider (PCL Ltd) over the 12 months of the new insurance term. If you’d like to change the way that you pay just get in touch with our team via the app, email us at insurance@caura.com or give us a call on 0333 880 6942.

What happens if I don’t renew my policy?

If you decide not to renew your policy with Caura your cover will cease at 23:59pm on the anniversary of your insurance. Please ensure you have alternate cover in place. We will automatically issue your no claims discount proof if you’ve earned any.

Which terms and conditions should I refer to for my renewed policy?

You will be issued with new terms and conditions with your renewal invite which will also be available in-app and these will apply to the policy renewal. If any terms and conditions have previously updated you’ll be made aware, and if any terms and conditions are changed from your renewal date, we’ll let you know.

How do Caura credits work?

Send Caura to a friend and we’ll give them £50 off their Caura insurance quotes. If they purchase a policy, then we’ll add £50 credit to your account, ready to use on your next insurance policy quotes.

Once it’s time for next year’s insurance policy, you can use this credit to save on your quotes. All available credit will be automatically applied when you retrieve your quotes. 

Remember, send us to many friends and we’ll give you £50 for every single one who takes out a policy with Caura. You can stack credits, so keep referring and you could bring your cost of your next policy down to £0.

Please note, your friend’s policy needs to be active for 15 days before we can add the £50 credit to your account.

What if I cancel my policy within 14 days? 

If you cancel your policy within the 14-day cooling off period, the full insurance premium that you paid will be refunded to you unless the Insurer charges a time-on-risk fee. This may include an administration fee for them, less any administration fee and less any discount that was applied by using your own credits, which will be credited back to your account for further use. 

If you received Caura credits by signing up using someone else's discount code, you will receive back the premium you paid less any administration fee. 

If your friend invited you to Caura, please note that your policy needs to be active for 15 days before we can add credit to their account.   

My question isn’t listed under your FAQ’s

Sorry about that, we’re always reviewing and updating our FAQ’s. Just get in touch with our team in-app or email insurance@caura.com and we’ll happily answer any questions you may have.