Is Duuo Insurance Legit: Coverage, Reviews, Pros and Cons, Competitors

Duuo is a digital, on-demand insurance platform that offers customized and flexible coverage for renters, hosts, event organizers, and vendors.

Duuo is powered by Co-operators, a Canadian insurance company with over 75 years of experience.

But is Duuo insurance legit? How does it compare to other insurance providers? What are the benefits and drawbacks of using Duuo?

In this article, we will answer these questions and more, to help you make an informed decision about your insurance needs.

Is duuo insurance legit? Find out how this on-demand insurance platform works, what products it offers, and what customers say about it.
Is duuo insurance legit? Find out how this on-demand insurance platform works, what products it offers, and what customers say about it.

What is Duuo Insurance?

Duuo insurance is a type of insurance that can be purchased online, without any service or cancellation fees, and only for the days that you need. Duuo offers four main types of insurance products:

  • Tenant insurance: This is a home insurance for people who rent (not own) the home they live in. It covers personal belongings, liability, and additional options like identity theft protection and water damage coverage.
  • Event insurance: This is a liability insurance for hosts of events, such as weddings, parties, shows, festivals, and more. It covers bodily injury and property damage, as well as tenant’s legal liability and host liquor liability (for non-sporting events).
  • Vendor insurance: This is a liability insurance for vendors who exhibit at events, such as farmers’ markets, arts and craft shows, flea markets, and more. It covers bodily injury and property damage, as well as additional insureds (such as the event organizer or venue).
  • Small business insurance: This is a general liability insurance for self-employed workers, such as consultants, freelancers, contractors, and more. It covers bodily injury and property damage, as well as personal and advertising injury.

Is Duuo Insurance Legit?

Duuo insurance is legit, as it is backed by Co-operators, a reputable and reliable insurance company in Canada.

Co-operators is a co-operative organization that is owned and governed by its members, who are also its customers.

Co-operators has an A- (Excellent) rating from A.M. Best, a global credit rating agency for the insurance industry.

The Co-operators also has a strong social and environmental commitment, as it supports various causes and initiatives that align with its values of sustainability, community, and innovation.

Duuo insurance is also regulated by the provincial and federal authorities that oversee the insurance industry in Canada.

Duuo follows the laws and regulations that apply to its products and services, and adheres to the standards and codes of conduct that govern its operations.

They also have a transparent and fair claims process, as well as a customer service team that is available to assist its clients.

Duuo Insurance Coverage

The Duuo insurance coverage varies depending on the type of product that you choose. However, some of the common features of Duuo insurance coverage are:

  • Customizability: You can tailor your coverage to suit your specific needs, by choosing your coverage limits, deductibles, and optional coverages.
  • Flexibility: You can purchase your coverage online, in minutes, and only for the days that you need. You can also cancel your coverage anytime, without any fees or penalties.
  • Affordability: You can get a quote for your coverage instantly, and compare it to other insurance providers. You can also save money by paying only for the days that you need, and by avoiding service or cancellation fees.
  • Convenience: You can access and manage your coverage online, through your Duuo account. You can also send your confirmation of insurance directly to your landlord, venue, or event organizer, through the Duuo platform.

Here are some examples of the coverage options and limits that Duuo offers for each type of product:

  • Tenant insurance: Personal liability limit: up to $2 million. Contents cover limit: up to $100K. Identity theft protection: up to $25K. Water damage coverage: up to $10K.
  • Event insurance: Event liability limit: up to $5 million. Tenant’s legal liability limit: up to $1 million. Host liquor liability limit: up to $5 million.
  • Vendor insurance: Vendor liability limit: up to $5 million. Additional insureds: unlimited.
  • Small business insurance: Small business liability limit: up to $2 million. Personal and advertising injury limit: up to $2 million.

Duuo Insurance Reviews

Duuo insurance reviews are generally positive, as many customers appreciate the ease, speed, and affordability of Duuo’s insurance products.

The Duuo has a 4.7 rating on Google, based on over 1,700 reviews.

Duuo also has a 4.7 rating on Reviews.io, based on over 1,700 reviews.

Duuo Insurance Pros and Cons

Based on the information and reviews that we have gathered, we can summarize the pros and cons of Duuo insurance as follows:

Pros:

  • Backed by Co-operators, a reputable and reliable insurance company in Canada
  • Regulated by the provincial and federal authorities that oversee the insurance industry in Canada
  • Offers customizable and flexible coverage for renters, hosts, event organizers, and vendors
  • Provides comprehensive coverage for personal belongings, liability, and additional options
  • Has a transparent and fair claims process, as well as a customer service team that is available to assist its clients
  • Has a digital, on-demand insurance platform that makes it easy to purchase and manage coverage online
  • Has a competitive and reasonable price, without any service or cancellation fees
  • Has positive reviews from many customers who appreciate the ease, speed, and affordability of Duuo’s insurance products

Cons:

  • Requires an underlying policy for some products, such as short-term rental insurance
  • Does not cover some types of events, such as sporting events with liquor, or some types of businesses, such as those with employees or physical locations
  • May have difficulties or delays with the claims process, depending on the situation or the claims adjuster
  • May have technical glitches or errors with the online platform, depending on the device or the browser
  • May not meet the needs or expectations of some customers, depending on their situation or preferences

How do I make a claim on Duuo?

You can make a claim on Duuo easily and quickly online. Here are the steps to follow:

  • Log in to your Duuo account and click on the “Claims” tab.
  • Answer a few questions from the claims bot about your situation and provide any supporting documents.
  • Wait for a claims adjuster to contact you and help you with the process.
  • Receive your payment within 48 hours of verifying your claim.

You can also track your claim status online and contact Duuo’s customer service for any questions or issues

duuo insurance competitors

Company Products Technology Partner
duuo Home-sharing, event, renter, landlord, vendor, short-term rental, small business Slice ICS platform The Co-operators
Slice Labs Home-sharing, rideshare, cyber, homeshare host Slice ICS platform AXA XL, Legal & General, Sompo
Hepstar Travel, car rental, flight delay, baggage loss Hepstar platform Amadeus, Travelstart, CarTrawler
Trov Mobility, renters, single-item Trov platform Waymo, Suncorp, Lloyds Banking Group
Zego Scooter, car, van, fleet, taxi, courier, food delivery Zego platform La Parisienne, Wakam, RSA

 

Does Duuo insurance have a deductible?

Duuo insurance does not have a deductible for any of their products.

This means that you do not have to pay anything out of your pocket if you make a claim.

However, you should always read the policy wording carefully before purchasing any insurance product, as there may be some exclusions or limitations that apply.

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