A smart insurance model that charges customers only for the time they drive—not while the vehicle is parked, idle, or not in use. Real trips, transparent pricing, automatically billed each month.
Simple, transparent pricing. Pay only for the time you actually drive — that's our promise.
Insure your bike or scooter with pay-per-drive pricing.
Our team is available for claims, billing, and policy questions in English and Spanish.
→of the year billed — even when the car never leaves the driveway.
Engine ON and driving
Engine OFF
Vehicle parked at home
Breakdown — vehicle in garage for repair
On vacation for one month
Car inside garage
If your vehicle breaks down and has to sit in a repair garage for days or weeks, it isn't earning you a bill — the same way it wouldn't cost you anything if it were simply parked at home. Driving-based billing remains paused while your vehicle is not being driven. When you begin driving again, trip billing resumes automatically. Coverage while parked depends on the insurance policy purchased.
Same customer, same month. Their car spent 8 days off the road in a repair garage after a breakdown, and 8 more days simply parked at home. Here's what each insurer actually billed them.
The breakdown alone would have cost this customer €0 extra with Smart Insurance — with traditional cover, it cost them the same €75 as any other month.
We offer both flexible usage-based insurance and traditional annual insurance plans. Customers are free to choose the option that best fits their driving habits.
Pay-As-You-Drive Plan – Ideal for customers who drive occasionally or take short daily trips. You pay only for the time you drive, helping you avoid paying for time when your vehicle is not in use.
Annual Unlimited Driving Plan – Designed for customers who frequently travel long distances or drive continuously for extended periods, such as 1,000–2,000 km journeys or 8–10 hours of driving. This plan offers predictable pricing without trip-by-trip charges.
Our intelligent platform can recommend the most cost-effective plan based on your actual driving patterns and vehicle usage.
⭐ Whether you choose Pay-As-You-Drive or an Annual Unlimited Driving Plan, both options are designed to provide greater flexibility, transparency, and competitive pricing compared with traditional insurance.
Download the app
Create an account
Verify identity
Register vehicle
Connect vehicle (OBD-II / phone)
Add payment method
Start driving
Trip billing starts automatically
Stop driving
Trip billing pauses automatically
Monthly invoice generated
Automatic payment collected
for a single 45-minute trip
A common pattern: 30 minutes to the office, 30 minutes back home. That's the real number most customers should expect to see on their bill.
for a typical 30-min-each-way commute
Premiums are priced as a flat annual risk pool, spread evenly across all 365 days — whether the car moves or not.
No mechanism to credit you for days the car is off the road — parked, on vacation, or sitting in a repair garage.
Fixed underwriting and administrative costs are baked into every renewal, regardless of how much you actually drove.
Light drivers effectively subsidize heavy drivers, since everyone in the same risk class pays the same price.
"Smart Insurance — pay only for the moments you're actually on the road."