How does BasisDrive differ from FlexDrive and BonusDrive?
FlexDrive vs. BonusDrive
At simpego, you decide for yourself how you want to pay your insurance premium and which benefits you want to enjoy.
Here is a direct comparison of our two billing models, so you can see at a glance which one suits you best:
Feature | FlexDrive | BonusDrive |
|---|---|---|
Premium structure | Fixed basic premium + billing based on kilometres driven. | Fixed premium for the insurance year. |
Kilometre billing | Monthly after submitting your mileage via the app. | Flat rate: The number of kilometres driven per year has no effect on your premium. |
Payment frequency | Monthly, conveniently by debit or credit card. | Flexible half-yearly or annually via QR invoice by email. |
Your savings potential | Up to 20% discount on the variable portion of your next bill through careful driving | Up to 20% discount for the following year through careful driving. |
Contract term & cancellation | 1 year. Optional: Daily cancellation right for maximum flexibility. | 1 year. Optional: Right to cancel daily for maximum flexibility. |
Transparency & suitability | Ideal if you drive less than 12,000 km per year and want to benefit directly from your careful driving style. | Ideal if you value planning certainty regarding your premium and use your car regularly. |
How does the FlexDrive payment model work?
Your FlexDrive bill consists of two parts. You will receive a detailed statement from us for both premiums. Exactly when this is issued depends on when you report your mileage to us via the app. We will then conveniently charge the amount due to your registered debit or credit card.
- The fixed basic premium: You pay a fixed amount each month. This covers all risks to which your vehicle is exposed, particularly when stationary (for example, partial comprehensive cover and 24-hour assistance). These costs do not depend on the number of kilometres you drive. The mandatory levy to the National Insurance Bureau is also included here.
- The variable mileage premium: In addition, we charge you for the actual kilometres driven in the previous month. You can easily send us your current mileage via our smartphone app.
Your big advantage: If you drive carefully, you can secure a discount of up to 20% on your mileage premium!
What are the benefits of the BonusDrive payment model?
With BonusDrive, you pay a fixed premium for your entire insurance year – completely regardless of the number of kilometres driven per year.
- Your bonus: By driving in a forward-thinking and cautious manner, you can earn a discount of up to 20% for your next insurance year.
In the smartphone app, you can view your current score at any time, which determines exactly how much this discount will be.
You can pay your insurance premium flexibly either half-yearly or annually. We’ll send you a QR invoice by email – simple and eco-friendly.
Updated on: 04/05/2026