Let $(x_0:X)$ be any pointed type, and $(\mathcal{U}, El)$ be a universe (with rules as I set out a couple of emails ago). Then $X \times \mathcal{U}$ is again a universe, admitting all the same constructors as $\mathcal{U}$: take

and so on; that is, constructor operations on $(X \times \mathcal{U})$ are constantly $x_0$ on the first component, and mirror those of $\mathcal{U}$ on the second component.

Now if $\mathcal{U}$ is univalent, and $X$ has non-trivial $\pi_0$ (e.g. $X=S^1$), then $\mathcal{U} \rightarrow (X \times \mathcal{U}$) gives a univalent universe sitting inside a non-univalent one (again, with the rules as I set out earlier).

Slightly more generally, given any cumulative pair of universes $\mathcal{U}_0 \rightarrow \mathcal{U}_1$, we can consider $\mathcal{U}_0 \rightarrow A \times \mathcal{U}_1$; this shows we can additionally have the smaller universe represented by an element of the larger one.

[N]ot only is $X \times \mathcal{U}$ not univalent, itβs not even βunivalent on the image of $\mathcal{U}$β, as was the case for the example in the groupoid model that I mentioned.