Beema

Check how much cashback you’ll earn:

And if I drive more than 20,000 km?

No worries: we won’t bump up your premium. You will still enjoy the full insurance cover for the price you paid in the beginning. Not a single penny more.

You drive

You get

4,000km or less

25% cashback

Between 4,000km and 10,000km

From 23% to 15.5% cashback

Between 10,000km and 16,000km

From 14% to 6.5% cashback

Between 16,000km and 20,000km

5% cashback

And if I drive more than 20,000 km?

No worries: we won’t bump up your premium. You will still enjoy the full insurance cover for the price you paid in the beginning. Not a single penny more.

Go on, give it a swipe.

Set the slider to your yearly mileage and see how much cashback you’ll earn.

Get a quote

Earning cashback is easy.

As easy as one, two, three. Literally.

STEP 1

No tracking, no black boxes

Once you have your policy, send us your car mileage reading. That’s how we know when to start counting your new Beema pay-per-kilometre insurance, without installing a black box on your car or tracking your driving.

STEP 2

Drive as much as you like, and get your cashback at the end of the year.

There are no daily or monthly limits. At the end of the year, you send us another mileage reading so we can calculate the distance you’ve driven. If it’s less than 20,000 km, you get cashback on your insurance premium. You can choose to get the money wired to your bank account and spend it on whatever you like, or use it as a downpayment to get cheaper car insurance for the following year.

STEP 3

A new year, a fresh start

Your mileage does not sum up from one year to another. At the end of the policy, the distance you've driven gets reset back to zero. So in your second year, you start from scratch and earn your new cashback.

People often ask us:

View all FAQ

What is Pay-per-Kilometre insurance?

Pay-per-kilometre, also known as <i>mileage-based</i> or <i>pay-as-you-go</i> insurance, is a type of car insurance in which the premium (aka your cost) changes depending on how much you drive.

The idea behind it is simple.

If your car is parked in your garage or your driveway, we can safely assume that you're less likely to have an accident. The less you are prone to accidents, the fewer claims we can expect to receive.

Unfortunately, traditional insurers don't consider your mileage as an important factor when calculating your premium. For instance, even if you commute daily from Sharjah to Business Bay in Dubai, you are paying almost the same premium as someone driving daily from Dubai to Abu Dhabi.

With pay-per-kilometre insurance, you pay your annual quote upfront, and then earn up to 25 % cashback if you've driven less than 20,000 km at the end of the year.

Find out more on how our pay-per-kilometre insurance works here.

What happens if I drive more than 20,000 km?

If you end up driving more than 20,000 km in a year, no worries: we won’t bump up your premium.

You will still enjoy the full insurance cover for the price you paid in the beginning.

Not a single penny more.

Why can't I give you my average mileage now and get cashback straight away?

Our main job is to provide you with a great cover, which will keep you safe from any surprise bills. The same applies to your cashback benefit, too. If we gave you cashback based on your estimate at the beginning of your policy, you'd always be worrying whether you drove more than expected and get an additional invoice at the end of the year.

Calculating your saving at the end of the year, we make sure to surprise you with a cashback instead 🙂