Not the biggest in car insurance (yet)…
That is why we take a much smarter approach to all of it. Starting with your premium, because that can be a lot fairer:
Lower premiums for good drivers
Claims handled quickly and expertly
Choose for yourself what you do and do not insure
We make car insurance fairer
We are a start-up making insurance fairer by taking a smarter approach. You notice that in your premium.
But you also want certainty. That is why we work with DA Direkt, part of Zurich Insurance Group, one of Europe's largest insurance companies.
The drive to prove itself of a start-up that fights for its customers
The security of a global player that has been around for more than 100 years
Choose your car insurance
Basic & Premium:
✓ Damage caused to others
Premium only:
+Your bonus-malus stays protected after your first at-fault accident
+Joker system: one mistake does not determine your premium
Most chosen for cars 12 years or older.
Basic & Premium:
✓ Damage caused to others
✓ Fire, theft and glass breakage
✓ Natural disasters & collision with animals
Premium only:
+Damage from corrosive substances
+Cover for mirrors and lights
+Lock replacement after key theft
+Consequential damage from a collision with animals
+Lock replacement after a theft
Most popular choice for cars 6 to 11 years old.
Basic & Premium:
✓ Damage caused to others
✓ Fire, theft and glass breakage
✓ Natural disasters & collision with animals
✓ Compensation in the event of total loss
✓ Own damage and vandalism
Premium only:
+No excess in the event of total loss
+Value correction up to 30 months
+Damage from wrong fuel (if the car has not been started)
Most popular for cars 0 to 5 years old.
Good drivers pay too much
Most insurers lump all customers together. Great for bad drivers, because it means they pay a lower premium. But unfair to good drivers, because they end up paying too much!
We think it should be fairer. That is why every driver gets a unique premium with us. Calculate your fair premium below. And stop paying for other people.
Hundreds of data points, one fair price
Other insurers usually use a few dozen data points to calculate your premium. They still work with averages. And then they just hope it is right.
We employ data scientists with PhDs who have won medals at the Mathematical Olympiad. They use many hundreds of data points. They work with accurate models. And they make sure it is right.
On top of that, we have no expensive offices, no money-guzzling marketing and no outdated tech systems standing in the way of every cost saving.
That is how we keep our costs low. And your premium too.
Always the best car insurance
For third-party liability, third-party liability + Mini Omnium and third-party liability + Full Omnium you can choose between 2 packages. That way you can be sure your car insurance covers exactly what you need and what matters to you.
Basic
Essential cover for the lowest premium
Premium
Maximum certainty and top cover
Why we have to be smarter
You have probably not heard about us (often) yet. But in the meantime we are conquering the whole of Europe.
How? By taking a much smarter approach than the rest in all sorts of areas.
Because as a start-up we cannot afford to be expensive, to ignore you or to leave you stranded when you need us. In fact: we need you to prove ourselves, to change the market and to show that it can be done more fairly.
Are you in?