What's Covered?
This is a 'Pay-As-You-Go' 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 1 (Online waiting for a request): We third-party liability coverage only and physical damage cover. This coverage sits on top of the Dasher's personal policy (a valid personal policy is required).
Periods 2 & 3 (En route to pick up and during delivery): We offer collision coverage, while DoorDash provides liability coverage. Collision coverage requires the Dasher to have active collision coverage on their personal policy.
What's Not Covered? (Key Exclusions)
Theft & Vandalism: Stolen vehicles, break-ins, slashed tires, or intentional damage.
Weather & Extreme Conditions: Hail, flooding, windstorms, tornadoes, hurricanes, and lightning.
Falling Objects: Falling tree branches, rocks, ice, or stray debris.
Fire & Explosions: Engine fires, garage fires, or wildfire damage.
Glass & Windshield Damage: Chipped, cracked, or shattered windows and windshields.
Civil Commotion: Damage from riots, public disturbances, or civil unrest.
Pay-As-You-Go policies do not include roadside assistance, towing coverage, or rental coverage.
Please refer to your Pay-As-You-Go policy documents and terms and conditions for full information.
How does it work?
- Add your card today. No charge, $0.00 deposit.
- Your first 50 deliveries are included.
- After that, you will be charged per delivery (VA: 21¢, AZ 18¢, OH 15¢), paid from your INSHUR wallet.
- After your 10th delivery, a $10 charge tops up your wallet, and again whenever your balance hits $8.
- If a payment fails, you have 3 days to fix it.
Recurring Payments:
Pay-As-You-Go 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 applicable to your operating state (VA, AZ, OH)
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. Based on your state (VA: 21¢, AZ 18¢, OH 15¢) will be deducted from your wallet balance after each trip. Once your balance hits $8 the wallet will automatically top up.
Here is an example:
You will pay nothing to begin your policy.
After your 10h trip, we will charge your payment method $10 to top up your wallet.
Based on your state (VA: 21¢, AZ 18¢, OH 15¢) 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 hits $8, INSHUR will automatically add funds in the amount of $10 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.