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Pay-per-kilometer, also known as mileage-based or pay-as-you-go 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-kilometer 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-kilometer insurance works here .

If you were involved in an accident, first check if anyone involved had suffered any injuries and call an ambulance, if necessary.

The next thing you need to do is call the police and let them know where the accident happened. Do not move your car unless you are blocking the traffic.

The police officers will examine the accident and write up a police report.

Very important: the police report is the most crucial document to assess the amount of insurance payout you will get. Make sure that it includes all damages, including the ones to your personal belongings and any injuries suffered by anyone involved.

To file a claim, call 800 444 23362 or submit your application via this online form.

You will need to provide the following:

1. A copy of the police accident report
2. A copy of your car registration
3. Your driver’s license

You don’t need to send the original via post, a simple pdf scan or a screenshot will do.

Email us anytime at support@beema.bh .

If you have any urgent questions (for instance, regarding a claim, or a pending quote), you can reach us at 800 444 23362. Our office hours are Sunday to Friday, from 9am to 6pm.