Private Hire Insurance
Frequently Asked Questions

GENERAL QUESTIONS

What affects the price of my quote?

There are hundreds of factors that our underwriters use when calculating premiums and much like other industries, our prices are subject to change.

Your Uber rating and Uber status may also impact your quoted price.

We are confident, however, that our prices are competitive compared to other providers in the market.

Do you send my policy documents straight to Uber?

Yes!

When you purchase an insurance policy with us we send your policy documents in an electronic format to you and to Uber.

Please contact us by emailing help@inshur.com or calling us on 0345 340 5535 if you would like us to send you paper copies, which are available free of charge.

Can I keep my existing No Claims Bonus and can I earn more?

Yes!

When you complete your quote make sure to add the number of claim free years you have earned.

To continue earning your No Claims Discount (NCD) on our 30 day policies, just make sure that you have 12 consecutive months, covering 360 days in total.

More information can be found in our document policy wording here.

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 do I do that?

Our dedicated Driver Support team is happy to help. We’re open Monday-Friday from 8am-6pm.
Contact us by:
Phone – 0808 169 9165
Email – help@inshur.com

Please note, you do not need to speak to anyone to get a quote. Get your quote online in 3 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: help@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 for 30-day or annual cover.  Your policy has been specially designed for private hire drivers and you’re now also automatically covered to deliver food at no extra cost.

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

Get your quote now

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

Yes! If you are a private hire customer, please head here to register for our referral scheme.

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. 
*Sources: Financial Services Compensation Scheme.

GETTING A QUOTE & BUYING A POLICY

How can I get a quote?

All of our quotes are provided online. Simply click here, 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?

You can purchase a new policy up to 28 days before the policy start date.

You can renew up to 7 days in advance.

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. And remember, you do not need to speak to anyone to get a quote – they are all done within minutes online.

If you would like to discuss your quote with our support team, please contact us

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 7 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 calling 0808 169 9165.

How do I get my insurance documents?

Your documents will be sent to you by email immediately after you pay for your policy.

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.

What about food delivery cover?

All of our customers with private hire insurance can automatically take advantage of our added food delivery cover at no extra cost.

If you’re only delivering food (and not people), you’ll likely find our dedicated food delivery insurance is what you’re looking for.

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?

Policies that start on or after the 1st April 2022, will be covered by the new underwriting capacity Wakam through its UK branch, policies that started prior to this date will still be covered by Great Lakes Insurance SE, UK Branch through Munich-Re Digital Partners Limited.
INSHUR will still manage and administer your policy on your behalf and there are no changes that have been made to your cover.

PAYMENTS

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 online through our secure payment system.

POLICY CHANGES AND RENEWALS

Can I renew my policy online?

Yes, this is a great time-saving feature. Simply click here to log in and follow the steps to renew your policy. Note, this can be done up to 7 days before your policy expiry date.

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

You can change this within your online account, just click here.
If you need any help, please phone our Driver Support team to let them know and they’d be happy to help. They’re available Monday to Friday, 8am to 6pm on 0808 169 9165.

ACCIDENT AND 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.

Not found the answer you were looking for?

Contact us by:

Email us at help@inshur.com 
Call us on 0808 169 9165

We’re happy to help and are open Monday to Friday, 8am to 6pm.