Frequently asked questions

• How Does Pay-As-You-Dash Work?

  What's Covered?

  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.

   

   

   

• How do I check my Wallet balance?

  

  Please note that there is a 24 hour delay in updating your balance while we wait to receive delivery data from DoorDash. 

  You can check your wallet balance by logging into your INSHUR account and checking your dashboard.
  
  To login to view your wallet transactions please go here

• Who do you cover for a Pay-As-You-Dash policy?

  We insure fully enrolled DoorDash delivery partners that are residents of Ohio and Virginia who have been selected for our pilot program.

• How can I get a copy of my loss run report?

  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.

  We appreciate your patience.

• How do I top up my wallet?

  Your Wallet is topped up automatically once the balance falls below $4.

  You will be sent an email notifying you that we will take payment at least 24 hours prior to the payment being processed.

  You will be unable to top up your wallet manually, and top ups can only be completed automatically when your wallet balance falls below $4.

  Agreeing to recurring payments is a condition of the Pay-As-You-Dash policy.

• How can I change my payment method

  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.

   

• How do I cancel my Pay-As-You-Dash policy?

  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.

• How do I make a claim?

  We hope you're okay.

  Please visit https://komodo.claims/us/customer and select "Customers" followed by "Report a New Claim" to enter incident details.

  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