FlexDrive – Your car insurance per kilometre

You pay a basic premium and a kilometre-based premium based on the kilometre reading you have reported. Simply enter the kilometre reading in the customer portal or in the app once a month.

FlexDrive makes billing simple and transparent. You enter the kilometres you have driven in the app once a month. The corresponding costs are automatically debited to your credit card. This means you only ever pay for the kilometres you have actually driven in the previous month.

In this case, you only pay the basic premium; there are no additional kilometre costs. You then only have to confirm that the mileage has not changed.

No! With FlexDrive, you can do without telematics or built-in components. You simply send a photo of your speedometer and manually enter the current mileage.

You report your mileage once a month. To do this, take a photo of the speedometer and enter the current reading in the customer portal or in the app.

Simpego trusts you and the information you provide. With FlexDrive, you simply record the kilometres you have driven yourself. Using the FlexDrive app, you manually enter your mileage once a month and upload a photo of the speedometer in the app.

With FlexDrive, you only pay for the kilometres you actually drive.

The total premium is made up of two parts:

A fixed premium and a variable premium. The fixed premium covers your basic insurance, while the variable premium is based on the kilometres you drive. In addition, your driving behaviour can affect the variable premium – if you drive carefully and economically, you can receive a discount on this variable part of your premium.

If you don’t report the mileage in time, an estimate will be made based on your previous driving behaviour. However, you can add the mileage at any time.

No. FlexDrive does not require a dongle, GPS tracker or black box.

FlexDrive does not use telematics devices or adapters to collect telematics data. Instead, you simply install the FlexDrive app on your smartphone and report the kilometres you have driven manually via the app, uploading a photo of your speedometer.

No, FlexDrive can currently only be used by private individuals and is not available to companies.

Unfortunately, this is not possible at the moment. BonusDrive is currently only available for private individuals with a passenger car that is insured through our online application process.

No, FlexDrive is currently only available for personal auto insurance.

No, with FlexDrive you can only insure one vehicle per contract. Unfortunately, it is therefore not possible to switch using a transfer plate.

FlexDrive is a billing model in which you only pay for the kilometres you actually drive, i.e. ‘pay as you drive’.

The total premium is made up of a fixed premium, a variable premium and your driving behaviour (see BonusDrive).

Any discount you receive for good driving behaviour is applied to the variable portion of the total premium.

BonusDrive is an insurance model where the premium is set per policy year and paid in advance. The amount of the premium depends on the insured risks and the agreed services. During the insurance year, you have the opportunity to receive a bonus for good driving behaviour, which will give you a discount on your insurance in the next insurance year.

BasisDrive is the classic insurance model, where the premium is set for each policy year and paid for in advance.

The amount of the premium is based on the insured risks and the agreed service.

Driver behaviour tracking is an important part of FlexDrive and BonusDrive.

To do that, you need the simpego FlexDrive app. As soon as your contract has been issued, you will receive an SMS and an e-mail with instructions for downloading the app and registering. As soon as you give the app permission to monitor your trips, it will run in the background. You don’t have to manually start the app each time or do anything special before each trip. You will receive all further information in the app by e-mail after registering.