Frequently Asked Questions

Can you explain the process of signing up for NO DUK's service?

Customers can sign up on our website or contact us directly at 1-855-663-8599

How does NO DUK compare to traditional insurance deductible payment options?

Traditional Options require customers to pay in full their deductible before the insurance provider activates coverage. NO DUK plans, through their low monthly payments of 1% of the deductible, are designed to make payment directly to you within 3 to 5 days of your claim being approved.

Are there any restrictions on who can use NO DUK's service?

No, our service is available to everyone who has an insurance policy with a deductible.

Can customers choose the amount and frequency of their monthly payments?


Is there any additional cost for using NO DUK's service?

No, there are no additional costs for using our service.

How does NO DUK ensure the security and privacy of customer information?

We take the security and privacy of our customer information very seriously and use industry-standard encryption and security measures to protect it.

Can customers make early payments or pay off their deductible balance early?

Customers can pay monthly, bi-annually or annually.

Does NO DUK work with all insurance companies?

We work with ALL insurance companies.

How can customers check the status of their deductible balance?

Customers can log into their account on our website to check their balance and payment status.

Is NO DUK's service available to customers in all states?

Currently, our service is available in most states.

How does NO DUK handle missed or late payments?

We work with the customer to establish a payment schedule that works for them and will remind them of upcoming payments. If a payment is missed or late, we will contact the customer to discuss a solution.

Does NO DUK offer any discounts or promotions?

We offer customers a 5% discount if paying bi-annually or a 10% discount for annual payment.

Do you accept all major credit cards, including American Express?


Do you accept Amazon pay and PayPal as optional forms of payment?

We are currently adding these features as well as including merchant fees.

Do you accept Apple Pay and Google Pay?


Is Tech Support 24/7 if I have a problem with the website?

Yes, please call – 1-855-663-8599. Tech Support is available 8 am to 7pm EST.

Is there a live representative that I can speak with over the phone at any time instead of using chatbot?

Yes, please call – 1-855-663-8599. Tech Support is available 8 am to 7pm EST.

Does NO DUK replace the current warranty that I have on my car?

No, NO DUK covers your deductible only.

Do I pay the same tier price on my deductible regardless of whether I have a $500 or $1000 deductible on my vehicles?

No. $500 deductible and $1000 per vehicle have different pricing options.

My cell phone has dropped and broken more than twice this year. What happens if I need a new one?

We cover deductibles twice a year on cell phones.

My cellphone was stolen or lost. Do you cover deductibles on lost or stolen devices?

If you have a lost or stolen device, you may have to buy a new one. We pay out your deductible after your insurance carrier approves your claim.

How long do I have to wait before I can file a claim through NO DUK?

You must be enrolled for at least 2 months or 60 days before filing a claim with NO DUK.

Is there a limit on how many devices, vehicles, or homes I can cover with NO DUK?

No. There is no limit.

How long will it take to get my deductible reimbursed once approved?

It can take up to 3-5 days to receive a reimbursement for your deductible. Instant pay would require a $19.99 processing fee.

How many claims can I request?

Phones/Devices: 2 claims per 12 months and a 60-day wait upon enrollment.
AUTO: 1 claim per 12 months and a 60-day wait upon enrollment.
HOME: 1 claim per 12 months and a 90-day wait upon enrollment.
COMMERCIAL: 1 claim per 12 months and a 90 day wait upon enrollment.

What if I update my insurance deductible in the middle of the year?

Make sure to contact your agent and update your deductible cover with us too.

For Auto deductible, what if my car was damaged by someone else? Will I pay for deductible?


NO DUK is here to assist you with any questions that you may have, please fill out the form below.
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