You can edit your details, vehicle list, drivers, and policy start date before finalizing your coverage. Follow the step-by-step guide below to update and re-quote your policy.
Step 1: Open Your INSHUR Email
Open the email sent from INSHUR and select Review & Accept Your Quote.
Step 2: Access Your Quote Page
On the estimated quote summary page, review your quote reference number and monthly rate. Select Get your quote to open the editing section.
Step 3: Review and Edit Details
Review your details on the overview screen and make any necessary changes:
Policy Start Date & Address: Update your requested coverage start date or personal contact details.
Lien Holder: Add your lien holder details.
Note: Only one lien holder can be added prior to binding. A second lien holder can be added after your policy is officially bound.
Vehicles: Select + Add Vehicle to add a car, or click the pencil icon next to an existing vehicle to edit its information, including adding or removing comp + collision coverage.
To edit vehicle details or add Comp/Collision coverage, scroll to the right of the vehicle panel to a pencil for editing and trash can to remove the vehicle.
Drivers: Select + Add Driver to add a new driver, or click the pencil icon next to any listed driver to update their details.
Step 4: Confirm and Re-Quote
Double-check all updated fields to ensure complete accuracy.
Check the three agreement boxes at the bottom of the page.
Select Confirm and re-quote.
Important: Clicking Confirm and re-quote finalizes your quote. Once selected, your quote can no longer be edited. If you need to correct something after finalizing, you will need to start a brand-new quote.
You can edit your details, vehicle list, drivers, and policy start date before finalizing your coverage. Follow the step-by-step guide below to update and re-quote your policy.
Step 1: Open Your INSHUR Email
Open the email sent from INSHUR and select Review & Accept Your Quote.
Step 2: Access Your Quote Page
On the estimated quote summary page, review your quote reference number and monthly rate. Select Get your quote to open the editing section.
Step 3: Review and Edit Details
Review your details on the overview screen and make any necessary changes:
Policy Start Date & Address: Update your requested coverage start date or personal contact details.
Lien Holder: Add your lien holder details.
Note: Only one lien holder can be added prior to binding. A second lien holder can be added after your policy is officially bound.
Vehicles: Select + Add Vehicle to add a car, or click the pencil icon next to an existing vehicle to edit its information, including adding or removing comp + collision coverage.
To edit vehicle details or add Comp/Collision coverage, scroll to the right of the vehicle panel to a pencil for editing and trash can to remove the vehicle.
Drivers: Select + Add Driver to add a new driver, or click the pencil icon next to any listed driver to update their details.
Step 4: Confirm and Re-Quote
Double-check all updated fields to ensure complete accuracy.
Check the three agreement boxes at the bottom of the page.
Select Confirm and re-quote.
Important: Clicking Confirm and re-quote finalizes your quote. Once selected, your quote can no longer be edited. If you need to correct something after finalizing, you will need to start a brand-new quote.
Navigating insurance options should be straightforward. Whether you're reviewing your current plan or looking to customize your protection, here is a simple breakdown of the insurance coverage provided under our Period X program.
Standard Coverage (Included Automatically)
Liability Coverage
Every policy under our Period X program automatically includes Liability Coverage at no extra cost.
What it is: Think of liability coverage as your financial shield for other people and their property. If you get into an accident and are found to be at fault, liability coverage helps pay for the damage and injuries you cause to others.
What it covers:
Bodily Injury: Medical bills for other drivers, passengers, or pedestrians injured in the accident.
Property Damage: Pays for damage caused to the other party’s vehicle due to an at-fault accident, as well as property like guardrails, fences, or street signs.
Important Note:up to 100k per accident for injuries, up to 30k per accident for property damage.*
*FL offers statutory state minimum requirements
Optional Coverage (Add-Ons for Your Vehicle)
While standard liability coverage pays for damage to other people, it does not cover damage to your own vehicle. To protect your car, you have the option to add Collision and Comprehensive coverage to your policy.
1. Collision Coverage
What it is: Covers repairs to your vehicle if you are involved in a crash.
What it covers: Damage to your car resulting from a collision with another vehicle or object (such as a tree, guardrail, or telephone pole), or a rollover accident—regardless of who was at fault.
2. Comprehensive Coverage ("Comp")
What it is: Covers damage to your vehicle caused by unexpected events other than a traffic collision.
What it covers: Repairs (or Actual Cash Value in the event of a total loss if your vehicle is damaged by non-collision events, including:
Theft or vandalism
Severe weather (hail, flooding, windstorms)
Falling objects (like tree branches)
Collisions with animals (such as hitting a deer)
Deductibles: Since Comp and Collision cover damage to your vehicle, any claim would be subject to the deductible before payment can be made, then, the insurance covers the remaining approved claim amount. Deductibles are set at $2,500 for vehicles valued under $50k; if a vehicle is worth over 50k the deductible is set at $5,000. These amounts are set by the carrier and cannot be changed at this time. If other deductible options become available in the future, we will share this information as well!
How to Adjust Your Coverage
You can add or modify your Collision and Comprehensive coverage at any time by navigating to Manage Fleet on your INSHUR account. Please note that you cannot add Collision and Comprehensive coverage to vehicles valued under $5k. If you have questions about deductibles or specific state limits, feel free to reach out to our support team!
**All claims are subject to review and coverage determination by the Komodo claims team in accordance with all Terms and Conditions.
You can easily add your co-host as a listed driver on your policy by completing the following steps:
Step 1: Go to Fleet Management
From your main account dashboard, select Manage Fleet.
Step 2: Select Drivers
You will be taken to the Update Fleet page. At the top of the table, choose between the Drivers tab depending on what you want to update.
Step 3: Make your changes
To Edit: Click the Pencil icon next to an existing vehicle or driver to edit their details.
To Remove: Click the Trash icon next to an entry to remove them from your policy.
To Add: Click the + Add Driver button. Fill out the required details in the pop-up box, then select Add to fleet.
Step 4: Generate a quote (or change)
Once you've added or updated your details, click the yellow Get quotes button.
If your driver is eligible, review the summary on the screen and select Confirm.
Step 5: Accept the policy change
Review your change
Check the required agreement boxes to confirm your details and authorize payment.
Select the Complete Change to Policy button at the bottom of your screen to complete the transaction.
Once you've reviewed your quote and agreed to the terms and conditions select the payment button at the bottom of your screen.
Step 6: Access your new documents
Once your payment is successful, you can select Back to Dashboard to view your updated policy documents. We will also send a confirmation email with your new policy documents attached.
Frequently Asked Questions: Transition from ABI to INSHUR
What is happening to my Period XTM insurance policy?
Effective October 1, 2026, INSHUR Inc. ("INSHUR") will replace American Business Insurance Services, Inc. (ABI) as the licensed insurance producer and broker for your Period XTM insurance program. ABI and INSHUR operate under the same parent holding company, and this transition is designed to streamline your service and coverage management.
Does this change my current coverage?
If you are in a state where INSHUR operates: There is no immediate change to your current policy, pricing, or coverage terms. Your policy remains fully active and is backed by the same insurance carrier (Incline).
INSHUR currently offers coverage in:
Arizona
California
Colorado
Connecticut
Georgia
Hawaii
Idaho
Illinois
Indiana
Louisiana
Maryland
Nebraska
Nevada
New Jersey
North Dakota
Ohio
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Utah
Virginia
Wisconsin
If you are in a state where INSHUR does not currently operate: We will unfortunately be unable to offer a renewal through either ABI or INSHUR at the end of your current term. You will receive a formal Notice of Non-Renewal 30 days prior to your expiration date, at which point you will need to secure coverage with an alternate provider.
Will I need to re-apply for my policy?
If you have received an email confirming the transfer of your policy to INSHUR, you do not need to reapply. To ensure your coverage continues seamlessly, your application, underwriting data, and policy records are being securely transferred from ABI to INSHUR. You will not need to re-apply or re-enter your driver details for your upcoming renewal.
Are there changes to my payment schedule?
Yes. For customers transitioning to INSHUR, the payment model will shift from paying in arrears to a "charge-for-the-month-ahead" model. Your specific payment schedule will be detailed in your renewal invitation.
What happens to my deposit?
Your ABI deposit refund will be processed at the end of your current policy term, alongside any final outstanding payments for your ABI policy.
How will I receive my renewal information?
If your state is covered by INSHUR, you will receive an email with your renewal invitation 30 days before your renewal date. This email will include a direct link to access your new INSHUR renewal quote via our portal.
What do I need to do next?
If your state is covered by INSHUR: No action is required. We are handling the transition automatically. If you do not wish to renew with INSHUR you can choose not to action your renewal quote.
If your state is not covered by INSHUR: You do not need to take any action; your policy will simply conclude at the end of its current term.
Is my data safe during this transfer?
Yes. Your data remains protected under strict security protocols. Records are transferred to INSHUR in full compliance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and all other applicable state privacy laws.
Updating your INSHUR policy is quick and easy. Follow these steps to add, edit, or remove vehicles and drivers from your fleet:
Step 1: Go to Fleet Management
From your main account dashboard, select Manage Fleet.
Step 2: Select Vehicles or Drivers
You will be taken to the Update Fleet page. At the top of the table, choose between the Vehicles or Drivers tab depending on what you want to update.
Step 3: Make your changes
To Edit: Click the Pencil icon next to an existing vehicle or driver to edit their details.
To Remove: Click the Trash icon next to an entry to remove them from your policy.
To Add: Click the + Add Vehicle (or + Add Driver) button. Fill out the required details in the pop-up box, then select Add to fleet.
Step 4: Generate a change or quote
Once you've added or updated your details, click the yellow Get quotes button.
If your vehicle or driver is eligible, review the summary on the screen and select Confirm.
Step 5: Accept and Pay
Review your quote breakdown, including any change in your payment amount.
Check the required agreement boxes to confirm your details and authorize payment.
Select the Complete Change to Policy at the bottom of your screen to complete the transaction.
Once you've reviewed your quote and agreed to the terms and conditions select the payment button at the bottom of your screen.
Step 6: Access your new documents
Once your payment is successful, you can select Back to Dashboard to view your updated policy documents. We will also send a confirmation email with your new policy documents attached.
You can update your payment details quickly online.
Once you've logged in, scroll down and select 'Manage Payment Details' on your Dashboard. You'll be taken to a new page and asked for the email address that you used for your policy.
You'll receive an email to proceed with viewing and amending your card details. If this has not been received within a couple of minutes, please check that the email address you have entered is the one you used on for policy.
You will then be directed to a payment page, where you can submit your new default payment details. Once this has been updated, just sign out to be taken back to your dashboard.
You can log into your account at www.inshur.com and select "My Accounts".
For additional help, you can watch the video below:
You can submit a request for your loss run report by emailing help@inshur.com with your most recent INSHUR policy number and TLC License number in the body of the email.
Please be sure to list all policy numbers from any previous INSHUR policies in your email if you are requesting those loss run reports, as well.
Policy number formats have changed over the past 3 years. All loss report requests take a minimum of 2-5 business days to be completed and sent to you.
This is a 'Pay-As-You-Dash' policy, that covers you for DoorDash deliveries. It is a 90 day policy and a reminder will be sent to you in plenty of time before your renewal. Coverage is provided during the following phases:
"Period 2" means Active Delivery (En Route to Pickup). This period commences at the exact moment the "driver" accepts a delivery request via the “DNC's” mobile application. It continues until the "driver" physically arrives at the designated restaurant or store to pick up the ordered item(s).
"Period 3" means Active Delivery (In Possession and Delivering). This period begins immediately after the "driver" has taken possession of the ordered item(s) from the designated restaurant or store. It continues until the "driver" has delivered the ordered item(s) to the customer and the delivery is marked as completed in the “DNC's” mobile application.
Pay-As-You-Dash policies do not include liability/comprehensive coverage, roadside assistance, towing coverage, or rental coverage.
Please refer to your Pay-As-You-Dash policy documents and terms and conditions for full information.
How does it work?
You can sign up for a Pay-As-You-Dash policy for no money down and your first 50 trips are free.
After your 25th trip, we'll charge your card $8 to your policy balance, or wallet.
After your 50th trip, you will be charged 8 cents per trip.
Payments are then taken automatically whenever your wallet balance falls below $4 using an automated recurring payment. You will be charged $8 for recurring payment to replenish your wallet.
The policy lasts 90-days, but you are only charged for the trips you make. This is based on real-time trip data sent to us by DoorDash.
If you cancel or choose not to renew your Pay-As-You-Dash policy, any unused balance remaining in your wallet may be refunded.
Recurring Payments:
Pay-As-You-Dash policies are set for recurring payments that INSHUR sets up on a customer’s billing profile using their debit or credit card details.
Please note that agreeing to automated top ups (recurring payments) is a condition of the Pay-As-You-Dash policy.
This helps to ensure that you have enough funds available in your wallet to cover your policy with us.
Before we set up your policy you will be asked to confirm the below:
I authorize INSHUR to send instructions to my card issuer, including setting up a continuous payment authorization to take payments and top up my wallet in accordance with the terms of my agreement and policy with INSHUR.
Payment:
While the policy lasts 90 days, you will only be charged by the trips + fees, based on actual delivery data received from DoorDash. As explained above, it costs nothing to sign up and then payment is taken automatically every time your wallet falls below $4.
With each accepted delivery, 8 cents will be deducted from your wallet balance. Once your balance falls below $4, an automated top up of $8 will be charged to your authorized payment method.
What data do we receive?
We receive a file each day for the previous day activities. You will pay for the number of trips, at the rate of $0.08 per dash.
Wallet Top Ups - What is this and how do they work?
Your wallet is where your insurance premium is held in advance of you agreeing to a trip with DoorDash. $0.08 will be deducted from your wallet balance after each trip. Once your balance falls below $4 the wallet will automatically top up.
Here is an example:
You will pay nothing to begin your policy.
After your 25th trip, we will charge your payment method $8 to top up your wallet.
8 cents will be deducted from your wallet balance after each trip. Please allow up to 48 hours for delivery data and deductions to show in your wallet.
When your wallet balance falls below $4, INSHUR will automatically add funds in the amount of $8 by charging your chosen payment method.
What if a top up payment fails?
As with all card payments - we will get failures. We will automatically retry to collect the payment once per day for 3 days. If no successful payment is completed in 3 days, your policy will be immediately canceled after the 3rd consecutive failed attempt.
You are notified by email when a payment fails and will be informed of our retry process.
You can update your payment details quickly online. Click Here, go to 'Log In' and then select your policy type. Select 'Manage Payment Details' on your Dashboard. You'll be asked for the email address that you used for your policy.
You'll then receive a verification code to proceed so that you can view and amend your card details. If this has not been received within a couple of minutes, please check that the email address you have entered is the one you used on your policy.
You will then be directed to a payment page, where you can update your payment method and submit your new default payment details. Once this has been updated, just sign out to be taken back to your dashboard.
We're sorry to hear you're looking to cancel your policy.
You can now cancel your policy directly from your dashboard page.
Simply log in HERE to start the process. Once logged in please select CANCEL MY POLICY, follow the steps on screen and you will receive a confirmation message once it has been completed.
On the Komodo website, the customer can report a claim, inquire about an already-reported claim, and confirm the direct contact information of their assigned claim owner.
You can also call 888-453-5316
We're here to help if you need us
Speak to Ami, our handy chat assistant, and get answers straight away! or, you can submit a request by clicking the link below and a member of our dedicated team will reply.