Inshur Car Insurance Review for 2024

Inshur car insurance is a convenient way to get TLC rideshare coverage in New York City. Coverage is completely digital, saving NYC rideshare drivers time and money.

While you can get affordable car insurance, you should still shop around before you buy Inshur car insurance. Compare multiple companies that offer rideshare coverage in NYC to find the best deal for you.

Continue reading our Inshur car insurance review to learn more. Enter your ZIP code before you begin to compare free car insurance quotes from companies in your area.

What is the Inshur car insurance company?

Although Inshur is based in the U.K., it only offers New York City car insurance to rideshare drivers. Inshur is completely digital, and drivers must use the Inshur app for just about everything. Not only can you get an Inshur car insurance quote, but you can also access your policy information and make payments.

In order to access the Inshur app, you must have an Uber login, although you can work for any rideshare company and qualify for coverage. You must also be at least 21 years old and have a vehicle with no more than seven seats to get coverage.

Inshur not only meets New York state car insurance requirements, but it also meets requirements set by the New York City Taxi & Limousine Commission (TLC). The TLC regulates all for-hire transportation in the city, including how old the vehicle can be and what state of repair it must be in.

While many car insurance companies offer TLC coverage, Inshur is the only 100% digital company that lets drivers handle everything quickly and conveniently online.

What are Inshur’s car insurance rates?

Inshur car insurance rates will vary by the driver but usually range between $250-$830 a month. Your personal factors such as age and driving record are used to calculate car insurance rates.

Your driving record indicates how risky you will be to insure. This is even more important when you consider that rideshare drivers spend much more time on the road than other drivers.

This table shows average annual rates based on your driving record from some of the top insurance companies out there. It will show you just how much your driving record affects your car insurance rates.

Average Annual Car Insurance Rates by Driving History

In addition to the typical factors used to calculate rates, how long you’ve been driving for a rideshare and your police record are just a few other things looked at by the TLC to determine your rates.

Once your rates are set, you can pay for your coverage with either a debit or credit card. You can also choose to either pay your bill completely or break it into payments.

If you choose payments, you will need to pay a 15%-30% deposit. The remaining balance is broken up into 10 monthly payments.

What car insurance coverages does Inshur offer?

Inshur only offers rideshare coverage that meets the TLC requirements. However, your policy will extend coverage to personal use of your vehicle, meaning you don’t have to get multiple policies to use your car.

This table breaks down car insurance requirements mandated by the TLC.

TLC Car Insurance Coverage

TLC coverage requirements do not include coverage for damages to your vehicle. Since your car is your livelihood, consider adding collision and comprehensive coverage as well as the TLC minimum coverage.

Collision insurance pays for damages to your vehicle from an accident. On the other hand, comprehensive insurance pays for damages to your car from an incident other than an accident, such as theft, vandalism, fire, or flood. You need both to be fully covered for damages.

Keep in mind that if you lease your car or have a loan, you may not have a choice in the types of coverage you carry. Most lenders will require you to carry full coverage to protect their investment.

How do you cancel Inshur car insurance?

Inshur’s cancellation policy isn’t available, but there are some basic steps you can follow to make switching car insurance companies as easy as possible.

Steps to canceling car insurance include:

• Find out when your policy expires. Although not all car insurance companies charge a cancellation fee, some do. If you are near the end of your policy, it may be cheaper to just wait and switch at the end.
• Shop around for new coverage. Each auto insurance company will charge a different rate, so compare multiple companies to see who can offer the best rates.
• Get your new policy in place.
• Let Inshur know you are leaving. You will need to know your policy number and when you want your coverage to end. Make sure you end your Inshur auto insurance at least a day or two after your new coverage goes into effect to avoid a lapse in coverage.

Allowing a lapse in car insurance can lead to fines, a driver’s license suspension, and having your car impounded. Not to mention, you will see much higher rates when you do get car insurance again.

Claims Process at Inshur Car Insurance

Ease of Filing a Claim

Inshur car insurance offers a streamlined claims process for the convenience of its policyholders. While the company operates in a fully digital manner, policyholders can initiate a claim both through the Inshur mobile app and over the phone. This flexibility caters to the preferences of New York City rideshare drivers, ensuring that they can easily report and process claims using their preferred method.

Average Claim Processing Time

Inshur is committed to providing efficient claim processing to minimize disruptions for its policyholders. While the specific processing time may vary depending on the nature of each claim, the company aims to complete the process within a reasonable timeframe. On average, Inshur strives to ensure that claims are processed promptly, allowing policyholders to swiftly address their insurance needs.

Customer Feedback on Claim Resolutions and Payouts

Inshur values customer feedback as an essential element in refining its claims process. Policyholders are encouraged to share their experiences and opinions regarding claim resolutions and payouts. This open dialogue enables Inshur to continually improve its procedures, enhancing the overall claims experience. The company is dedicated to transparency and customer satisfaction when it comes to resolving claims.

Digital and Technological Features by Inshur Car Insurance

Mobile App Features and Functionality

Inshur’s mobile app is a key component of its service, offering a range of features and functionalities designed to simplify the insurance experience. The app allows policyholders to access their policy information, obtain insurance quotes, and make payments conveniently.

Additionally, it offers a platform for policyholders to interact with customer service and initiate the claims process. Inshur’s mobile app is a powerful tool that ensures policyholders can manage their insurance needs efficiently.

Online Account Management Capabilities

Recognizing the importance of online account management, Inshur provides policyholders with a user-friendly digital platform. Through this online portal, policyholders can manage their accounts, access policy details, and update personal information with ease. This online account management feature ensures that policyholders have the flexibility to oversee their insurance-related tasks conveniently.

Digital Tools and Resources

To further enhance the policyholder experience, Inshur offers various digital tools and resources. These resources are designed to provide valuable insights, information, and guidance on navigating car insurance effectively.

Policyholders can access educational materials, receive safety tips, and gain assistance in understanding coverage options. Inshur’s commitment to leveraging digital tools and resources empowers policyholders to make informed decisions about their insurance coverage.

What are the Inshur car insurance ratings?

Ratings for Inshur are as important as the rates and convenience offered. You need to know that your auto insurance company is trustworthy and will be there for you when you need it.

While A.M. Best rates companies on financial stability, Inshur hasn’t been around long enough to earn a rating. However, its underwrite Clear Blue earned an A- rating, showing an excellent ability to meet financial commitments.

Inshur was able to earn a customer interaction rating from the Better Business Bureau (BBB). However, Inshur received an F rating, mostly because it has not responded to all customer complaints.

The Inshur app rating is also important since drivers depend on it for account access and for insurance-related needs. The Inshur app received a 3.3/5 in the Google Play Store and a 4.7/5 in the Apple App Store.

Inshur Car Insurance: The Bottom Line

Only TLC-certified rideshare drivers in New York City are covered by Inshur. Each driver’s rate will be different and will be determined by his or her age, driving history, and other factors.

Inshur is a fully digital company, and drivers are required to utilize the app for everything, including payment. Although this is useful, some users have reported issues with the app and are unable to access their policies.

You can get affordable Inshur car insurance based on your factors, and the company makes getting and using the coverage very easy. However, Inshur BBB ratings leave a lot to be desired.

Shop around before you settle on any car insurance. Compare rates and ratings to find the best company to meet your needs.

We hope you’ve learned all you need to know about Inshur auto insurance. Before you go, enter your ZIP code to compare car insurance quotes from companies near you for free.