Insurance Provider Discussion

I’ve always wondered how do the officers verify themselves to you? do they provide name DOB and number plate and you just say yes or no

Over the phone, we can’t verify anything, so we will never give out information. However we are happy to confirm basics - eg if we’re given a reg plate and a name, we could confirm whether there’s a currently-active policy which matched those details.

If the police want sensitive info, we require that the email us from their email address and then we’ll only respond to the same email address. We don’t require formal DPA requests etc, but if we feel the request appears to be too broad or unjustified, we will ask that they adjust it.


I use Kinsu too for all of my home contents (which includes my phone) and they are brilliant. It’s cheap, easy to use and making a claim was super straightforward – they really stick to it when they say there’s no grey areas.

I accidentally smashed my phone screen a couple of weeks ago and after proving the phone belongs to me, they let me get an Apple Store repair for a £25 excess. (They also gave me a cost-free alternative which would entail sending the phone to them, but I’d be phoneless for a few days.) The Apple Store repair cost £125.

Apple then tried to fix the screen but the damage had bent the phone so it failed their testing, so they gave me a new phone at no additional cost. So all in all thanks to Kinsu and Apple Store’s customer service, I paid £25 for a brand new iPhone 6.


Hi, Chris here, CEO of Kinsu.

First of all, thanks for the great feedback on here, it’s really nice to hear you guys are enjoying what we are doing. We built Kinsu to be the simplest and best value insurance for the Monzo generation so it’s lovely to see your positive comments here.

Some clarifications to questions asked in the thread:
DipperDolphin, we have made our cover as deep as possible without providing protections that are normally insured by a specialist cover in order to keep costs down for everyone. So we do cover accidental damage and personal liability but not for competitive situations where the risk is higher and cost more. I hope that’s clear and we really hope you decide to come and join the Kinsu family.

Please ping me direct on if you have any other questions or just post them here (AMA style) and I’ll try to answer them as soon as possible.

@Stockleyo and @o99, you should both check your inbox :wink:

Lipilala, happy that you had a great experience with us. Let us know if you need anything.


Just replied to your question but since I just joined it only allowed me to tag 2 people. Check at the bottom of the thread.

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Hi Chris, I’ve given up looking at a lot of companies because they don’t cover Northern Ireland. Before I look any further, does Kinsu?

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Thanks :+1:
I tried searching Northern Ireland but nothing was found. Lots of companies don’t include NI in their definition of the U.K. :see_no_evil:

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Sounds good! So racing would not be covered but normal rides would? How would you determine between the two?

Thanks for the response!

Thats right @DipperDolphin if you are competing in an organised event then that’s not covered, there is a different level of risk for competitors and it would cost more…if you are racing with friends that’s absolutely fine and obviously covered (and encouraged)! Hope that answers your questions?

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Yep, covers it thanks! I’m just wondering if a crash in a non-competitive group ride or a solo training ride would be covered, and it looks like it is?

Thank you!

You are absolutely correct!

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Actually trying to join but email taking longer than 10mins to arrive so link expires for Kinsu :joy:

Set a confirmation email and allow people to login via password when ur servers are too slow to send the email!!!

I just signed out and back in to Kinsu. The magic link email arrived instantaneously for me.

For some reason it takes exactly 11mins to arrive to me, yet the time stamp on the email is the exact time I click send.

Issue only happens with Kinsu, Monzo & Bulb get email login instantly, and replies from this community instantly.

Will do an email trace to see what’s happening, but had a similar issue with Bulb over 6 months ago and it was their Servers.

I clicked send 15:24

Looking at the headers, they’re not actually sending it until the ‘delayed’ time:

Received: from ([])
by (Dovecot) with LMTP id AQKQNBlxFlyFPAEAlkEdyw
for; Sun, 16 Dec 2018 15:42:16 +0000
Received: from ([])
(using TLSv1.2 with cipher ECDHE-RSA-AES256-GCM-SHA384 (256/256 bits))
by with LMTP id GKaJHFhyFlwtOwAAwCjU2w
; Sun, 16 Dec 2018 15:42:16 +0000
Received: from ([])
by with esmtps (TLSv1.2:ECDHE-RSA-AES128-SHA256:128)
(Exim 4.90_1)
id 1gYYYa-0008Le-70
for; Sun, 16 Dec 2018 15:42:16 +0000
DKIM-Signature: v=1; a=rsa-sha256; q=dns/txt; c=relaxed/simple;
s=uku4taia5b5tsbglxyj6zym32efj7xqv;; t=1544973842;

You can see above they don’t actually send it to my server until 15:42. The delays are on their end,

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Had a look, while they cover flooding m, not sure yet if they will cover areas which have previously been flooded. Asking them a question first as it also looks like they don’t cover certain types of items out of the norm.

Thanks for the suggestion.

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Got a recent email from Kinsu indicating they are soon shutting down:

I’m afraid that we have some sad news to share, Kinsu will no longer be providing insurance cover from the 1st May 2019

Shame. They seemed promising. I guess I’ll be looking for new phone insurance soon…

Update - blog post added