As a hard-working private hire, delivery or van driver, your insurance needs may go beyond a standard policy. That’s why INSHUR now offers drivers the option to customise their cover with additional insurance add-ons.
These optional extras can offer valuable protection depending on your personal circumstances. In this guide, we’ll explain what insurance add-ons are, how they work, and what INSHUR currently offers.
*Please note - add-ons are not currently available to Amazon Pay as You Flex customers.
The Financial Conduct Authority (FCA) defines an insurance add-on as:
“Any type of general insurance product sold alongside ‘primary products.”
In this context, your primary product is your motor insurance, covering the essentials like damage to your vehicle or liability to others. An add-on is an additional, optional product that you can purchase to extend your cover and provide further protection in specific areas.
While a standard policy offers core protection, add-ons are designed to fill in the gaps that may be important to you as a working driver.
No two drivers are the same, and what works for one person might not suit another. Add-ons allow you to personalise your policy to reflect how you work, where you drive, and what risks you’re willing to take on.
For example:
At INSHUR, we currently offer one optional add-on that drivers can choose to include with their hire and reward policy.
Motor Legal Expenses Insurance is designed to help cover legal costs that may arise from a road incident, and costs that may not be included in your main motor policy.
Here’s how MLEI can help:
It may also assist in less common but disruptive situations, such as:
According to the British Insurance Brokers’ Association (BIBA), legal expenses cover is particularly useful for drivers with third-party-only insurance, who might otherwise have no route to recover costs from a non-fault incident.
While add-ons are entirely optional, they can offer a level of protection that’s otherwise unavailable in standard policies.
Here’s a few things to consider before deciding:
Some drivers prefer to keep their premiums low, while others are willing to pay a little more for enhanced protection.
If you’re someone who likes to be prepared for the unexpected, the added reassurance of an add-on might be worthwhile.
Do you rely heavily on your vehicle for income? Do you have access to legal advice if you were involved in a dispute? These factors may influence whether an add-on suits your needs.
While there is an upfront cost to add-ons, they could potentially save you thousands in the long run if you need to make a claim. For many working drivers, that extra layer of security is worth the investment.
Choosing the right add-ons is about understanding what’s important to you. That’s why we recommend reading your policy documents carefully and reviewing what’s already included in your base cover. Not all drivers will need add-ons, but they can be an important part of your overall protection, especially if you're looking for peace of mind in a demanding profession.
If you’re unsure whether an add-on is right for you, you can contact our sales team to find out more, or get further reading from trusted bodies like:
Get protected with an INSHUR policy today. Multiple levels of coverage, flexible payment options, and 24/7 support.
At INSHUR, we’re committed to giving you the tools and information to protect yourself on the road without pressure or gimmicks. Add-ons are here to enhance your policy where needed, giving you more control and more confidence in your cover.