INSHUR review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

INSHUR is a narrow broker for a specific market: monthly motor cover for tradespeople who use a van for work. It is authorised by the Financial Conduct Authority, reference 916800, and has traded since 2016 from GB, so a careful buyer starts with a register lookup rather than a price table.

Key facts

Best for
Monthly van and car cover for tradespeople who drive for work.
Insurance types
Auto, Van (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
£0 (Source, checked September 26, 2026)
Claims channels
Online, Phone (Source, checked September 26, 2026)
Legal entity
Inshur UK Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
inshur.com

Business insurance

Provider type
Broker (Source, checked September 26, 2026)
Cover types
Public-liability (Source, checked September 26, 2026)
Excess from
£0 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
tradespeople using van for work (Source, checked September 26, 2026)
Legal entity
Inshur UK Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • The excess starts at £0, so a small claim is less likely to be swallowed by the part a policyholder pays.
  • Monthly payments are available, and monthly is the payment model, which suits income that arrives job by job.
  • Cover runs to auto and van, so a tradesperson insuring a work van and a car can keep both under one arrangement.
  • Support runs on email, chat and phone, and claims can be started on online and phone.
  • It has traded since 2016 from GB, so the registration and the trading history can both be checked.

Cons

  • The only business line listed is public liability, so a trade that also needs professional indemnity or employer's liability has to look further.
  • Cover is limited to auto and van, a narrower set than the auto, home and renters at Good Sam Insurance Agency.
  • Buying through a broker, broker, puts a step between the policyholder and the insurer, so the policy wording rather than the brand decides a claim.
  • Claims start on online and phone, a shorter list than the support channels in email, chat and phone, so the route for a claim is narrower than the route for a question.
INSHUR

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Who it suits

  • Tradespeople who drive a van for work, the market tradespeople using van for work names.
  • Drivers who want the premium spread monthly rather than settled in a single payment, since monthly payments are available.
  • Small trades whose business cover needs stop at public liability and go no further.

Who should look elsewhere

  • Home, renters or landlord policyholders, since INSHUR covers auto and van while Hiscox UK lists home, renters and landlord.
  • Anyone wanting gadget, travel or pet cover alongside the motor policy, where Euroasia Insurance lists auto, home and travel.
  • Buyers who want personal and motor lines in one place, since Good Sam Insurance Agency lists auto, home and renters against INSHUR's auto and van.

Who regulates the provider

INSHUR is authorised by the Financial Conduct Authority in the UK, under reference 916800. That is the reference to check before anything else. It is what connects the quotes you are handed to a firm a regulator can name, and in principle discipline. The structural point is broker. A broker does not carry risk itself. It places cover with insurers, checks that the policy matches what was asked for, and passes on the details. The company named on your documents may therefore differ from the name on the website, which is why the wording and the terms decide a claim rather than the brand. For a reader weighing money, the split matters. A broker arrangement can widen choice and hold the price down, and the regulatory entry is what tells you the firm arranging it operates inside the UK's rules. Check the register entry against the company name on the quote before you pay, and keep a copy of both.

Price signals

The price signals here point the same way. The excess starts at £0, and the excess is the slice of any settled claim that the policyholder pays. Broker led motor policies often load that slice high, so a low starting point deserves more attention than a headline saving. The payment model is the other signal. Monthly payments are available, so the premium is spread across the months of cover rather than settled in a single payment. For a self-employed tradesperson, whose income tends to arrive in chunks, that smooths a cost that would otherwise land in a single month. Neither signal settles the price on its own. The excess can move once the vehicle, the driver and the cover are set, so the level to watch is the figure printed on your own quote. A monthly premium is also a standing commitment that keeps running until the policy is cancelled, which means the total paid across the year is the figure worth comparing with other providers.

How your money is protected

A pair of facts do the work here. The first is that the provider is a broker, broker. Your premium is placed with an insurer, and the insurer is the party that settles a valid claim, so the accuracy of the policy schedule and the fit of the cover matter more than the name on the website. A misdescribed vehicle or a missing listed item is a gap you carry yourself. The second is the Financial Conduct Authority registration, 916800. A regulated firm in the UK works under rules on fair selling, on the information customers are given, and on what happens to customer records, and it gives you a body to approach if a complaint is not put right by the broker. Neither fact guarantees a payout, and neither replaces reading the wording. Read the policy for its limits, its exclusions and the address claims go to, then check that the registration matches the firm on the document. On the evidence available, the money moves through a regulated intermediary, the claim is handled by the insurer named on the policy, and the paper is what settles a disagreement.

How INSHUR compares

Where INSHUR is available

Available
Netherlands, United Kingdom, United States
Licence in United Kingdom
Financial Conduct Authority (916800), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the excess on an INSHUR policy?+

The excess starts at £0. The excess is the part of any claim the customer pays, and broker policies often load it high. A starting point that low means a minor claim does not send you straight to the bank. Check the quote carefully, since the level can still rise with the vehicle, the driver and the cover you pick.

Can I pay for INSHUR cover monthly?+

Yes. Monthly payments are available, and monthly is the payment model on offer, so the premium is spread across the months of cover rather than settled in a single payment. For a tradesperson whose income arrives job by job, that can matter more than the annual figure. The catch is that a monthly price is a standing commitment that keeps running until the policy is cancelled.

Is INSHUR regulated, and by whom?+

It is authorised by the Financial Conduct Authority in the UK, under reference 916800. That entry can be checked in the authority's register before you sign anything. A regulated firm carries obligations over how it sells, what it tells customers, and what it does with their information, and a complaint can be raised with the regulator if a broker has not put it right.

What can I actually insure with INSHUR?+

Personal cover runs to auto and van, so the focus is vehicles rather than the home or the health. On the business side the range is public liability. That is a narrow shelf and it cuts both ways: a van driver gets a product built around the trade, while anyone wanting a home or a travel policy has to go to a different provider.

Who is INSHUR built for?+

INSHUR describes its market as tradespeople using van for work. That is a precise audience rather than a general one, and it explains the product mix: auto and van for the vehicles, and public liability for the trade. If your van is a tool rather than a second car, the fit is close. If it is a family car used occasionally for work, the same product may not suit.

How do I make a claim?+

Claims run on online and phone. Each route is self-service, so a claim can be started without writing a letter. Keep your policy number and the date of the incident to hand, and describe what happened in plain terms. The quicker a claim is lodged, the less room there is to argue about the excess or the cause of the damage.

What help is available if something goes wrong?+

Support runs on email, chat and phone. A phone line, live chat, email and a help centre give several ways to ask a question, and a tradesperson working from a van can call between jobs. The help centre is worth reading before a renewal, because wording changes are easier to absorb in advance than to unpick mid-claim. Keep login details nearby, as most routes start from the account.

Who is behind the quotes and how long have they traded?+

The contracts are issued by Inshur UK Limited, a company based in the United Kingdom and trading since 2016. A trading record matters more than presentation, because a broker that has handled renewals over years is likely to have met the awkward cases. It also lets you match the register entry to the company name printed on your documents.

Sources

  • fca.org.uk/register checked September 26, 2026

    Backs: Licences

  • inshur.com/about-us checked September 26, 2026

    Backs: Founded

    “The INSHUR story begins in 2016 with Dan Bratshpis in New York City.”

  • inshur.com/en-gb checked September 26, 2026

    Backs: Claims channels, Provider type, Insurance types, Legal entity

    “100% digital claims notification - no calls needed unless you prefer”

  • inshur.com/en-gb/commercial-vehicle-insurance checked September 26, 2026

    Backs: Cover types, Industries

    “receiving public liability (normally £50) at no additional cost”

  • inshur.com/en-gb/contact-us checked September 26, 2026

    Backs: Headquarters, Support channels

    “Registered office at Inshur UK Ltd, 1 Jubilee Street, Brighton, East Sussex BN1 1GE, United Kingdom.”

  • inshur.com/en-gb/uber-insurance checked September 26, 2026

    Backs: Excess from, Pricing model, Monthly payments

    “Policy excess: No excess applies (Third Party); See your policy schedule (higher tiers)”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

INSHUR

INSHUR

Monthly van and car cover for tradespeople who drive for work.

8.9/10See alternatives

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