Clupp

Clupp is a pay-per-kilometer vehicle insurance service that offers coverage on a monthly subscription basis with no mandatory long-term commitments. It addresses the need for flexible, usage-based insurance for people who drive little or who have good driving habits, allowing them to pay based on the distance they actually travel rather than a fixed annual premium. The service tracks kilometers by having users periodically photograph their vehicle’s odometer through the mobile app, and it offers flexibility if a user exceeds their monthly limit once, adjusting the plan only if overage occurs two months in a row.

The insurance provides broad coverage (cobertura amplia) that includes theft and material damage to the vehicle, medical expenses for occupants, and third-party liability. Optional coverage for cell phone theft is also available. The product is offered for cars, motorcycles, bicycles, electric bikes, and scooters, but does not cover vehicles used for commercial purposes such as delivery or ride-hailing. The service is backed by ANA Seguros for mandatory liability coverage, while Clupp Mutualidad handles the remaining coverages.

Clupp is designed for individuals who drive infrequently or want a usage-based insurance model. Plans are organized by mobility level: reduced (under 500 km per month), normal (500–1,200 km per month), and intensive (over 1,600 km per month with unlimited kilometers). Payment can be made monthly, quarterly, semi-annually, or annually via credit card, debit card, transfer, or cash, with no forced terms and the ability to cancel at any time without penalty. A free AI assistant called CluppGPT is available to answer questions, though it is in a testing phase.