1. What if I exceed 250 business miles per month on a vehicle?
We will review your policy at renewal. If you are consistently exceeding 250 miles, or if your vehicles are not consistently rented, our Underwriting Department may contact you to review your policy.
2. Can I have Collision & Comprehensive Coverage on some cars but not others?
Yes! You can change this any time in your online portal. For more info check out this article.
3. What are the deductibles for Collision and Comprehensive Coverage?
Deductibles are currently set at $2,500 for cars valued under $50,000 and $5,000 for cars valued at $50,000 and up.
Do you offer a $1,000 deductible?
A $1,000 deductible option due in early 2027.
4. Who is covered to drive with INSHUR Off-Trip Car Share Insurance?
This policy only covers drivers, employees, and owners listed on the policy. Please add any drivers who may operate the vehicle during the off-trip period; this does not include renters.
*They must be 21 or older for the Off-Trip coverage and pass the MVR check.
5. What Car Share platforms does INSHUR's Off-Trip cover work with?
INSHUR’s Off-Trip coverage allows you to work with most platforms, as long as we can obtain verified rental history.
6. How do you know if I’m using the car for personal or business use?
We work with pre-approved telematics providers to ensure you don’t exceed the personal and business use cap per month.
7. Who handles the claims?
Our dedicated claims team at Komodo Claims handles claims. You can file a claim online any time at: https://komodo.claims/us/customer/
8. What are your vehicle requirements?
Vehicles must be:
- 15 years or newer (no odometer limit)
- In good working order
- Have 4 wheels and be roadworthy
- Have fewer than 16 passengers
- No vehicles over $90,000 in value can be added
- Do not accept golf carts, trucks, or off-road vehicles
9. What are your driver requirements?
For Off-Trip coverage, drivers must:
- be 21 or older
- have passed the MVR check
- be added to the policy as a listed driver
- Maximum of 3 drivers per vehicle
11. Can I have cars on one policy that are under different names (e.g., personal name and a business name)?
Yes, you can update the registered owner name and address for each vehicle in the online portal.
13. What if my driver(s) MVR check failed?
Verify that:
- Driver License is entered correctly and exactly as it is on the license, e.g. enter letters and numbers MD1001010101
- The driver you are trying to add does not have any major violations
*For drivers that do not pass the MVR check, they are not covered under this policy - ineligible drivers must be removed/replaced with a driver that does pass the MVR check within 10 days
15. Can I modify my policy?
You can make the following changes to your policy online in your INSHUR portal:
- You can add/remove vehicles
- Change between Collision and Comprehensive + Liability coverage or Liability Only
Link here to login to the INSHUR portal
* All other cover changes are fixed by state