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.
General
Anything insurance-related. Common topics include:
- Understanding your protection score or a specific recommendation
- Reviewing your coverage before a renewal
- Getting a quote for a new policy (home, auto, renters, life, and more)
- Making a change to an existing policy
- Understanding what your policy covers in a specific situation
- Life changes like buying a home, getting a new vehicle, or moving
There's no question too small. Our VIU by HUB advisors are here to help you feel confident about your coverage.
VIU by HUB Advisors are licensed insurance brokers who work with multiple carriers — not for a single company. That means their job is to find you the right coverage, not to push a specific product.
If you ask for a recommendation, they'll give you an honest one. If your current coverage is already solid, they'll tell you that too.
Check your junk or spam folder first, our emails occasionally get filtered there. If you find one, mark it as not spam to help future messages land in your inbox.
If there's nothing in spam either, it's possible the email address on your account needs to be updated. Log in to check under Account settings, or call us and we'll confirm what email address we have on file.
To make sure our emails reach you, add noreply@viubyhub.com to your contacts or safe sender list.
For website assistance, visit our technical support page to get in touch with the VIU by HUB Technical Support Team. When you reach out, it helps to have a few things ready:
- What you were trying to do when the problem occurred
- What the error message said (if there was one)
- What device and browser you were using
- The more context you share, the faster we can resolve it.
If you have questions about your policy, call a VIU by HUB Advisor at 888-533-2987.
Cruise Control
Cruise Control is a free service from VIU by HUB that takes the legwork out of your insurance renewal. Before each renewal, we automatically compare your current policy against options from 50+ carriers and bring you a clear recommendation — so you never have to wonder if you're getting a good deal.
You sign up once, complete your profile, and we handle the comparison every renewal period.
Log into your VIU by HUB account and look for the Cruise Control section on your dashboard. From there, you'll be walked through the opt-in process and consent — it takes about three minutes.
Once you've opted in, you'll be prompted to complete your profile so we have the details we need to run an accurate comparison.
No. Cruise Control is completely free. As your broker, this is one of the ways we look out for your rate and coverage.
To compare quotes accurately, we need to know what we're comparing. Without a complete profile, we can't generate quotes that reflect your actual coverage needs — which means any comparison we'd show you wouldn't be meaningful.
Think of it like this: we can't find you a better deal on a policy if we don't know what the policy needs to cover.
The more complete your profile, the better the comparison. It usually takes about three minutes to fill in.
Your account gives you a view of your current policies, access to advisor advice, and tools to help you understand your coverage. Cruise Control builds on that by putting your renewal on autopilot.
Once you're enrolled and your profile is complete, Cruise Control goes further than a standard account. Before every renewal, it compares your policy against options from 50+ carriers and brings you the results — so you never have to compare insurance on your own again.
We'll run your comparison before your renewal date and send you the results by email, giving you enough time to review and make a decision before anything changes. You'll also be able to view the comparison in your account.
Heads up: We'll send you an email a few weeks before your renewal to let you know your comparison is on the way, so you know what to expect.
Update your profile as soon as anything changes: a new vehicle, a move, a new driver in the household. This helps make sure we're comparing rates accurately when your renewal comes around, and that your current policy still reflects your needs in the meantime.
If a change affects your current policy, not just your profile for future comparisons, contact us directly and we'll update your coverage.
Example: If you buy a new car, update both your profile and your active policy. The profile update affects your next Cruise Control comparison, and the policy update makes sure you're covered now.
If you'd like a comparison sooner, for example, after a major life change, contact us and we can look into your options.
Log into your account, go to the settings page and select turn off. You can also call us at 888-533-2987 and we'll remove you from the program.
Turning off Cruise Control won't affect your current policy or coverage in any way — it just means we won't run a comparison for you at your next renewal.
Yes. If you change your mind, log back into your account and turn it back on again through the Cruise Control section. You may need to re-confirm your profile details.
Once you've reviewed your comparison, you can accept our recommendation directly through your account or by contacting us. We'll handle the switch: cancelling your current policy, binding the new one, and making sure there's no gap in your coverage. We coordinate the timing of the cancellation and the new policy so your coverage is continuous. You'll receive confirmation of your new policy before anything is cancelled.
You don't have to call your current insurer or fill out paperwork on your end. We take care of it.
Cruise Control isn't available to every customer yet, so if you don't see it, your account may not be eligible at this time.
If you received an email about Cruise Control but it's still not showing up in your account, it may just need a little time to sync. Check back in a day, and if it's still not there, give VIU by HUB a call and an advisor can take a look.
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.
Many common changes, like adding a vehicle, updating a driver, or changing coverage details, can be submitted directly through your account. Log in and look for the relevant option in your policy details.
Some changes aren't available online, depending on your situation. For example, if you only have one vehicle on your policy, you won't see an option to remove it, since that would cancel the policy entirely, and that needs to go through an advisor.
For anything you can't find online, call us at 888-533-2987 and we'll take care of it.
Quick fix: Call us at 888-533-2987 and we can confirm the email address linked to your policies and update it if needed.
Moving to a new home means we need to make sure your new property is properly insured, and there are quite a few questions involved in getting that right. We find it's a much smoother process to walk through it with you over the phone rather than through an online form.
Give us a call at 888-533-2987 and an advisor will get your new home set up quickly.
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.
This isn't a sales pitch. If your current rate is competitive, we'll tell you that too.
Yes. Rate increases are frustrating, and they're happening across the industry right now. Log into your account to see the rate comparison tool, which will show you whether there are more competitive options available for the same coverage.
You can also speak with an advisor who can explain what's driving the increase and whether it makes sense to shop around or adjust your coverage.
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 privacy.compliance@hubinternational.com.
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.