Cuvva

Cuvva is a UK insurtech that pioneered flexible, short-term car and van insurance sold entirely through its mobile apps. Founded in 2015 as the first app to sell temporary car insurance in the UK, it offers policies from one hour up to 28 days, learner-driver cover, drive-away cover for newly purchased vehicles, temporary van and motorhome insurance, and a rolling subscription product (formerly Flexi). Cuvva is FCA-authorised and has sold over 16 million policies to 1.7M+ drivers. Its engineering is built on a fleet of small single-purpose service APIs (auth, vehicle, MOT, motor-coverage, billing, promo, profile, upload, terms, notification and more), publicly documented on GitHub and secured with an in-house OAuth 2.0 implementation using JWT bearer tokens.

Cuvva is listed with 1 API on the APIs.io network. Tagged areas include Company, Insurance, Insurtech, Car Insurance, and Financial Services.

Cuvva’s developer surface includes engineering blog, documentation, API reference, support, authentication, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.8/100 thin ▬ flat Agent 5/100 agent aware Front door AI 1/6 silent Heartbeat 66/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Insurance Insurtech Car Insurance Financial Services Mobile OAuth United Kingdom Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 31.8/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 8.9 / 17

Access Clarity 3.6 / 17

Operational Transparency 3.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 6.3 / 15

Agent readiness — 5/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/cuvva/apis.yml: open an issue on github.com/api-evangelist/cuvva to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	distribution	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Cuvva Services API

Cuvva's fleet of public single-purpose service APIs — auth (OAuth 2.0), vehicle lookup, MOT status, motor-coverage quotes/policies, billing, promo, profile, upload, terms, notif...

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Cuvva

SLA

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cuvva Authentication

oauth2 · 2 schemes

SECURITY

Cuvva Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Cuvva Vulnerability Disclosure

Hackerone · contact published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Cuvva Scopes

1 scope · authorizationCode/refreshToken

1 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 5

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 3

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: cuvva
name: Cuvva
description: Cuvva is a UK insurtech that pioneered flexible, short-term car and van insurance sold entirely through its mobile
  apps. Founded in 2015 as the first app to sell temporary car insurance in the UK, it offers policies from one hour up to
  28 days, learner-driver cover, drive-away cover for newly purchased vehicles, temporary van and motorhome insurance, and
  a rolling subscription product (formerly Flexi). Cuvva is FCA-authorised and has sold over 16 million policies to 1.7M+
  drivers. Its engineering is built on a fleet of small single-purpose service APIs (auth, vehicle, MOT, motor-coverage, billing,
  promo, profile, upload, terms, notification and more), publicly documented on GitHub and secured with an in-house OAuth
  2.0 implementation using JWT bearer tokens.
url: https://raw.githubusercontent.com/api-evangelist/cuvva/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
- techstars
x-tier: profiled
x-tier-reason: enriched-from-public-api-surface
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://www.cuvva.com/favicon.ico
tags:
- Company
- Insurance
- Insurtech
- Car Insurance
- Financial Services
- Mobile
- OAuth
- United Kingdom
- Authentication
tags_raw:
- Company
- Insurance
- Insurtech
- Car Insurance
- Financial Services
- Mobile
- OAuth
- United Kingdom
- Financial-Services
- Authentication
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: Cuvva Services API
  description: Cuvva's fleet of public single-purpose service APIs — auth (OAuth 2.0), vehicle lookup, MOT status, motor-coverage
    quotes/policies, billing, promo, profile, upload, terms, notification and more. Most conform to an internal Cuvva services
    standard using crpc-style RPC methods and coded (cher) errors.
  humanURL: https://github.com/cuvva/docs/tree/master/apis
  baseURL: https://api.prod.cuv-prod.app
  tags:
  - Insurance
  - OAuth
  - Vehicle Data
  - Authentication
  tags_raw:
  - Insurance
  - OAuth
  - Vehicle Data
  - Authentication
  properties:
  - type: Documentation
    url: https://github.com/cuvva/docs/tree/master/apis
  - type: Authentication
    url: authentication/cuvva-authentication.yml
common:
- url: https://www.cuvva.com/news
  type: Blog
- type: Website
  url: https://www.cuvva.com
- type: DeveloperPortal
  url: https://github.com/cuvva/docs
- type: Documentation
  url: https://github.com/cuvva/docs/tree/master/apis
- type: APIReference
  url: https://github.com/cuvva/docs/tree/master/apis
- type: GitHubOrganization
  url: https://github.com/cuvva
- type: Support
  url: https://support.cuvva.com/en
- type: HelpCenter
  url: https://support.cuvva.com/en
- type: StatusPage
  url: https://status.cuvva.com
- type: TermsOfService
  url: https://support.cuvva.com/en/articles/5907873-cuvva-s-terms-and-conditions
- type: PrivacyPolicy
  url: https://support.cuvva.com/en/articles/5907862-cuvva-s-privacy-notice
- type: Authentication
  url: authentication/cuvva-authentication.yml
- type: OAuthScopes
  url: scopes/cuvva-scopes.yml
- type: Packages
  url: packages/cuvva-packages.yml
- type: SDKs
  url: packages/cuvva-packages.yml
- type: ErrorCatalog
  url: errors/cuvva-error-codes.yml
- type: Conventions
  url: conventions/cuvva-conventions.yml
- type: Lifecycle
  url: lifecycle/cuvva-lifecycle.yml
- type: Conformance
  url: conformance/cuvva-conformance.yml
- type: DomainSecurity
  url: security/cuvva-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/cuvva-vulnerability-disclosure.yml
- type: Security
  url: security/cuvva-vulnerability-disclosure.yml
- type: LLMsTxt
  url: llms/cuvva-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Cuvva API — frequently asked questions

Does Cuvva have an API?

Yes. APIs.io lists 1 API from Cuvva, including Cuvva Services API.

How do I authenticate with the Cuvva API?

Cuvva uses bearer-token authentication (oauth2 · 2 schemes). The details are profiled on APIs.io as Cuvva Authentication.

Is the Cuvva API ready for AI agents?

Cuvva has a Kin Score of 31.8 out of 100 (thin) and an Agent Readiness score of 5.4 (agent-aware), scored by API Evangelist on 2026-11-06.

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