UK Private Hire Insurance
Frequently Asked Questions

General questions

Who do you insure?

We insure private hire drivers in the UK who meet all of the following criteria:

  • Over 23 years old
  • Have a full UK driving licence and a valid private hire licence
  • Have Uber driver login credentials
  • Vehicles with up to 8 passenger seats

I need to talk to someone, how can I do that?

The quickest and easiest way to contact us is by clicking on the three dots in the top right-hand corner of the app then “help”. From there, you can phone, email or live chat with us. We’re open Monday-Friday from 8am-6pm.

If you have not downloaded our app yet, you can contact us via the following:

Phone – 0808 169 9165

Email – help@inshur.com

Please note, you do not need to speak to anyone to get a quote. They are all done within the app in minutes.

How do I make a complaint?

We’ll do all we can to help and put things right if something has gone wrong. To complain please contact us remembering to include your contact details and provide as much information about your complaint as possible to ensure a quicker response time. Please also let us know when and how is best to get in touch, and we will do our best to meet this.

Email: complaint@inshur.com

If I make a complaint, how quickly can I expect a response?

We aim to resolve your complaint within 3 working days. However, if we need to look into your complaint in more detail we’ll send you a response within 5 working days with details on how your complaint will be dealt with.

If you are not happy with the way we resolve your complaint, please let us know as soon as possible and we’ll conduct a review and look to get it sorted, alternatively you can contact the Financial Ombudsman Service, who will review your case for free up to 6 months passing from our final response.

What do you offer?

We offer fast and simple private hire insurance where you can get a policy of any length between 7 and 90-days, and annual. We are also currently insuring drivers for food delivery at no extra cost, however, if you are an Uber Pro driver and opted to drive exclusively with Uber, please note you will be restricted to Uber Eats only.

Our product is 100% digital, which means you don’t need to spend time calling your broker or going through paperwork. Everything is done via our easy-to-use app, saving you time and helping you get on the road faster.

My friend wants to sign up with INSHUR, can I refer them?

Yes! We are currently running a pilot refer-a-friend scheme that we can invite you to. If you’re interested in being a part of it, please click here to register your interest and we’ll be in touch.

How do I know INSHUR is a reputable organisation I can trust?

Good question! We have thousands of outstanding reviews on Trustpilot and other platforms from our customers giving their honest opinions. Check them out here. Many drivers will have experienced the pain and worry when an insurance company collapses. In the UK this has happened on several occasions in recent years.*

Our insurer (Great Lakes Insurance) enjoys the same strong rating and financial strength of the Munich Re Group: A+ (Superior) as rated by A.M. Best and AA- (Very Strong) by S&P. Great Lakes have permanent establishments in the United Kingdom (London), Switzerland (Baar), Italy (Milan), Australia (Sydney) and New Zealand (Auckland).

*Sources: Financial Services Compensation Scheme.

Getting a quote & buying a policy

How can I get a quote?

All of our quotes are provided within the free INSHUR app, which is available on both iOS and Android devices. Simply download our app, sign up and answer the questions. It only takes a matter of minutes and you will receive your quote instantly.

How far in advance can I get a quote?

If you’re a new customer, you can select a start date of anywhere up to two weeks in the future.

If you are renewing a policy, you can get a renewal quote 7 days before your current policy comes to an end.

Can you match or beat my quote from another insurer?

All of our quotes are calculated individually based on a large number of factors to maintain fairness and competitiveness. Therefore, quotes cannot be negotiated and are only given within the app. And remember, you do not need to speak to anyone to get a quote – they are all done within minutes over the app.

How long will it take for my policy to go live?

It depends on what kind of policy you have.

  • If you are a new customer and have selected your policy to start today, it will be live immediately. Please note, the MIB website may take 24 hours to update but you will still be insured.
  • If you are a new customer and have selected a future date (you can select up to 14 days in advance), your policy will be live from midnight on your start date.
  • If you are renewing a live policy, your new policy will start from the moment your current live policy lapses. This can be done 7 days in advance.
  • If you are renewing a policy that has expired, your new policy will be live immediately. If you do not want this to be the case, please contact our Driver Support team by clicking the three dots in the top right corner of the app.

How do I get my insurance documents?

Your documents will be sent to you by email immediately after you pay for your policy. They are also available to you at any time via the app.

Our insurance coverage

Will I be covered for social use?

Yes! With INSHUR, you’re automatically covered to use your vehicle for social, domestic and pleasure use too.

Why do you only insure Uber drivers?

We insure all private hire drivers on any platform, you just need an Uber driver login to sign up to our app.

Can I add another driver to my policy?

This isn’t something we currently offer, but we’d love to know if this is important to you. Let us know here.

Who will be my insurer?

We are underwritten by Great Lakes Insurance SE, however some features are provided by other underwriters, which are stated in your policy documents. Great Lakes Insurance SE holds an excellent level of financial security and holds an A.M. Best rating of A+ (Superior).

Payments

How do I get the Uber Pro discount?

If you are a Pro driver, your discount will have been automatically applied to your quote. If you only drive with Uber, and no other platforms, you can opt to get a higher discount by remaining exclusive. Click here to see the full details on our Uber Pro discount.

What are the payment options?

All of our policies in the UK are paid for in full upfront before your cover starts.

How do I pay?

You purchase your policy via our app through our secure payment system.

Policy changes & renewals

Can I renew my policy in the app?

Yes, this is a great time-saving feature.  Here is a short video demonstrating how to do this, it can all be completed via the app and takes only a few minutes.

 

I got a new car, how can I update my insurance policy?

You can do this at any time within our app.

 

Accidents & claims

I need to repair or replace my windscreen, who should I contact?

If you have windscreen cover on your policy call our windscreen helpline number on 0808 169 9165 and select option 2. Please check your Policy Wording for full information on what is covered and the excess amount you may have to pay.

 

I've had an accident, what should I do?

If you have had an accident please call us immediately on 0808 169 9165 and select option 1, we are here to help you get back on the road! Please note you must tell us about any accident or potential claim within 24 hours of it occurring or you may have to pay an additional excess.

 

Uber Pro

What if I’m new to driving Private Hire?

If you’re new to driving Private Hire or driving for Uber, you’ll be classed as a Blue tiered driver. This means you could be eligible for our great everyday policies, service and prices.

How much is it to protect my No Claims Bonus (NCB)?

It’s included if you’re a Diamond tier driver and there is an additional charge on top of your premium for all other tiers.

What are the criteria for Uber Pro and what are the tiers?

Please visit the Uber website to see all the information on the tiers.

Simply speaking, to be a Gold, Platinum, or Diamond driver, you need to meet the following quality standards:

  • Have an Uber driver rating of 4.85 or above

  • Have a cancellation rate of 4% or below

Have a confirmation rate of 75% or above (London drivers only)

Who can I call if I have questions or need to make a claim?

Call 0800 169 9165 then click an option when prompted from the queries below:

  1. Windscreen claim

  2. Accident claim

  3. Legal Expenses claim

  4. Changes to your policy or cancelling your policy

  5. All other queries

Can I drive for companies other than Uber?

Yes. However, if you drive for other Private Hire Operators only 50% of the discounts and reductions on your policy and excess will apply. Full discounts apply when only using the Uber app.

How do you know what Uber Pro tier I’m on?

We work closely with Uber and have integrated technology that shares this data. Please see our Terms of Business and Privacy Policy if you would like to understand more about this.

I’ve met the criteria for the tier above my current one, why hasn’t my tier changed?

Uber review drivers’ tiers over a fixed 3-month period. Please see their website for more information.

Can I add breakdown cover to my policy?

We do not currently offer breakdown cover.

Can I cancel my policy in the same way, on the same terms?

You can cancel your policy at any time by giving us a ring on 0800 169 9165.

Can bolt-ons be easily removed, and if so, is there a charge/refund applicable?

They’re included in your package so cannot be cancelled in exchange for a monetary amount.

What happens if I no longer meet the criteria or move down a tier?

Your policy will be based on the tier you are on at the time of purchasing the policy. If you move down a tier before your insurance policy expiry date, your policy will still be valid until it expires.

Not found the answer you were looking for? Contact us at help@inshur.com and we’d be happy to help. We’re open Monday to Friday, 8am to 6pm.