We’ll help find what you’re looking for
Here you’ll find answers to all our most common FAQs. And for anything else, feel free to call a VIU by HUB Advisor at 833-495-2748.
About us
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. We also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. We do not offer personal, individual or group medical health policies.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
Policies
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
We’ve partnered with Canopy Connect to provide a secure way to verify and import your insurance policies. After signing up for a VIU by HUB account and accessing your dashboard, you’ll see a prompt to import your policy. You’ll then be asked to enter the name of your insurance carrier and login info so we can pull in your policy details.
No, your VIU by HUB account number is not the same as your policy number. Your policy number is an alpha-numeric code unique to each individual policy assigned by your insurance carrier. Meanwhile, your account number is a 10-digit number associated with your VIU by HUB online insurance portfolio management account. If you have any questions about your policy or payment plan, one of our advisors will be happy to help.
Coverages
Determining the right amount of insurance coverage for your needs involves assessing various personal, geographical and financial factors to make sure you’re adequately protected. For auto and liability insurance, it’s important to weigh your driving habits and the value of your vehicle and consider what is enough coverage to protect your assets in case of a lawsuit. For homeowners insurance, if you live in an area prone to natural disasters, you might need extended coverage for your property. A VIU by HUB Advisor can help you break down the specifics and find the most relevant options for your needs.
A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you're assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk.
Choosing the right deductible is a balance between what you can afford to pay out of pocket and the premium you're willing to pay while avoiding financial strain in the event of a claim. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.
Read “How do home insurance deductibles work?”
Read “What you should know about renters insurance deductibles”
A VIU by HUB Advisor can work with you to revise your coverage limits or find a new policy that better fits your needs.
After creating a VIU by HUB account and importing your existing insurance policies, we’ll sync the coverage details for easy access from your personal dashboard. If you’re having trouble viewing your policy details, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on our help page.
Claims
The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible, but here are some typical guidelines:
- Auto insurance – Most policies require that you report an accident within a few days to a few weeks, but for filing a claim, you might have a longer window.
- Homeowners insurance – For property damage, it's usually recommended to file a claim within one year of the incident. Some policies might have shorter time frames, so it's important to check your policy details.
- Life insurance – For life insurance, beneficiaries generally have no time limit to file a claim. However, prompt filing is advised to expedite the benefits process.
The duration of an insurance claim process can vary depending on factors like the type of insurance you’re dealing with, the complexity of the claim, the efficiency of your insurance company and the specific circumstances of the claim. A simple insurance claim might be resolved in a few days to a few weeks, while more complex cases can take several months.
Minor auto accident claims generally take a few days to a couple of weeks to be resolved, for instance, whereas homeowners insurance claims can take longer. If there’s significant property damage, home insurance claims can take a few weeks to several months to fully process.
Read “How to prevent a homeowners insurance claim from being denied”
Insurance claims are handled by your insurance carrier and most claims service centers are open 24/7.
Please dial 911 in case of an emergency. Otherwise, each insurance policy provides specific information on how and when to report a claim.
Security and data collection
Your privacy is our priority, and we will never sell your data or spam you. When we ask you to enter your personal and carrier information into the VIU by HUB app, it’s so we can import your insurance policies into your dashboard for easy access.
When comparing quotes, info like your birth date may significantly influence the price of your premiums. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy on VIU by HUB. Lastly, your phone number lets us reach out to help you make the most informed insurance decisions.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 insurance company partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
Personal information, such as your birth date, may significantly influence the quote price that carriers can provide to you. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy through VIU by HUB. And your phone number lets us reach out and assist you in making the most informed insurance decisions.
We maintain technical and organizational security measures that are designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. If you have reason to believe that this data is no longer secure, please notify our Chief Legal Officer by calling 866-415-2207 or sending an email to [email protected].
We may use “cookies” and other technologies such as web beacons to better understand user behavior, which parts of our websites people have visited, to facilitate and measure the effectiveness of advertisements and web searches and for security and fraud prevention purposes.