Overview payment models

• What is the difference between FlexDrive and BonusDrive?

  FlexDrive: You only pay for the kilometres you actually drive, plus a basic premium: a fixed amount that covers basic insurance such as third-party liability and is paid regardless of the number of kilometres driven. BonusDrive: You pay a fixed premium and can earn a discount of up to 20% for your next insurance year by driving carefully. You can see your score, which determines the next discount, at any time in your FlexDrive smartphone app. You can see your score in the app after thFew readers

• What payment models does simpego offer for car insurance?

  simpego offers three payment models for car insurance: FlexDrive: kilometre-based insurance ⇒ https://simpego.ch/flexdrive-en BonusDrive: with a driving behaviour discount ⇒ https://simpego.ch/bonusdrive-en BasisDrive: classic annual insurance with a fixed premium ⇒ https://simpego.ch/basisdrive-en (https://storage.crisp.chat/users/helpdesk/website/5a4d3ec64f668c00/vergleFew readers

• How does the payment work for the models?

  FlexDrive: The costs for the kilometres driven are debited monthly from the credit card on file. BonusDrive and BasisDrive: We send you the QR-bill by e-mail. When you sign the contract, you choose whether you want to pay the bill annually or semi-annually.Few readers

• Which payment model suits me?

  Don't drive often? Then FlexDrive is for you. Do you drive a lot and drive safely? BonusDrive gives you a discount of up to 20% on your next premium. Do you like things to be uncomplicated? Then BasisDrive is for you.Few readers

• Can I insure multiple vehicles with one FlexDrive/BonusDrive contract?

  Unfortunately not. If you want to take advantage of FlexDrive or BonusDrive, each vehicle not only needs its own contract, but also its own phone number and its own smartphone for tracking to work. If you are interested in an interchangeable-sign contract, BasisDrive is available as a payment model.Few readers

• Can I insure several vehicles with one FlexDrive / BonusDrive contract?

  Unfortunately not. If you want to benefit from FlexDrive or BonusDrive, each vehicle not only needs its own contract, but also its own telephone number and smartphone for the tracking to work. If you are interested in an interchangeable licence plate contract, BasisDrive is available as a payment model.Few readers

FlexDrive - Pay only for kilometres driven

• How will my driving style be assessed by FlexDrive?

  The FlexDrive app analyses your driving style to calculate your score. It analyses parameters such as strong acceleration abrupt braking driving too fast in bends the time of day the speed taken into account.Few readers

• Can I take out FlexDrive cover for my vintage car?

  Unfortunately not. FlexDrive is currently only available for passenger cars. Classic cars and other special types of vehicles cannot be insured with this model.Few readers

• How is FlexDrive billed after cancellation?

  If you cancel your mileage-based insurance – or simpego notifies you of the cancellation of your policy – the cancellation date is the cut-off date for the final bill. This works as follows: 1. Effective date = cancellation date As soon as the road traffic authority confirms that you have surrendered your number plates or switched to another insurer, your contract ends – we will no longer count any kilometres from this date. 2. Last mileage a) Notification ≤ 10 daFew readers

• When and how do I pay my FlexDrive premium?

  You will be billed monthly. The costs will be debited from the credit card on file after you have reported your mileage. FlexDrive BillingFew readers

• Do I need an app for FlexDrive?

  Yes, you can download the FlexDrive app from the Google Play Store or the App Store. Click here to download: Google Play App StoreFew readers

• How does FlexDrive work?

  With FlexDrive, you pay a fixed basic premium plus a variable premium for the kilometres driven. You simply report your mileage monthly in the app.Few readers

• Can I use FlexDrive for a company?

  No, FlexDrive is currently only available for private individuals.Few readers

• How does payment take place at FlexDrive?

  Payment is made automatically via the credit card on file. The kilometres driven are billed monthly.Few readers

• Do I have to report the mileage regularly?

  Yes, once a month. You take a photo of your mileage and upload the image to the app. You also enter the current mileage there.Few readers

• Is FlexDrive also available for motorbikes or motorbikes?

  Unfortunately not. FlexDrive is currently only intended for private individuals with a car. Motorbikes or motorbikes cannot currently be insured with this billing model.Few readers

• Do I need a dongle, GPS or a black box for FlexDrive or BonusDrive?

  No, you don't need a dongle or a permanently installed GPS tracker for FlexDrive and BonusDrive. If you have decided in favour of one of the models when signing the contract, you simply install the FlexDrive app from simpego on your smartphone. In the app, you transmit the kilometres driven or the current mileage of your car once a month. While driving, the app measures your driving style, which is relevant for your premium discount.Few readers

• What happens if I don't drive?

  Even if you don't drive, you are required to take a recent photo of your odometer once a month and enter the current mileage of your vehicle in the app. We will then only charge you the fixed premium in the next invoice, which is due regardless of the kilometres driven. notdriving invoice FlexDriveFew readers

• Can I use FlexDrive with an interchangeable plate?

  No, with FlexDrive you can currently only insure one vehicle per contract and telephone number and smartphone.Few readers

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BonusDrive – Belohnung für sicheres & unfallfreies Fahren

• Can I use BonusDrive for a business?

  No, BonusDrive is only available for private individuals.Some readers

• When do I get the discount?

  As soon as you have achieved a score of at least 83 points, you will receive a discount on your next premium invoice. The higher your score, the more you save in the next insurance year. BonusDrive: Your ScoreFew readers

• How is driving behaviour monitored?

  To use BonusDrive, the FlexDrive app must be installed on your smartphone.Few readers

• Who can use the BonusDrive?

  BonusDrive is currently only available to private individuals who have a vehicle insured with simpego. Please note that BonusDrive is currently only available to private individuals. An extension for companies, classic cars, young classics, motorcycles, delivery vans or vehicles with interchangeable licence plates is planned for a later date. BonusDriveFew readers

• How does BonusDrive work?

  You use the FlexDrive app, which measures your driving behaviour. At the end of your insurance year, you will receive a score that could save you up to 20% on your next premium the following year. BonusDrive: your score is always in viewFew readers

• Which factors influence my score at BonusDrive?

  Your BonusDrive score is calculated based on various aspects of your driving behaviour, including: distraction by mobile phone heavy acceleration abrupt braking excessive speed in bends the time of day your speedFew readers

• Do I need an app for the BonusDrive?

  Yes, you need the FlexDrive app for the BonusDrive. You can download it from the Google Play Store or the App Store. Google Play App StoreFew readers

• Can I use BonusDrive with a removable nameplate?

  No, with BonusDrive you can only insure one vehicle per contract.Few readers

• Why does my driving behaviour count with BonusDrive?

  BonusDrive rewards safe and considerate driving. A high score can earn you a discount of up to 20% for the next billing period. Make sure to drive with focus and foresight to reap the benefits.Few readers

• What happens if I don't get 83 points?

  Unfortunately, there is no discount in this case. You can try again next year with a safer driving style.Few readers

• Can I use BonusDrive for my vintage car or motorbike?

  No, the BonusDrive is currently only available for passenger cars.Few readers

• Do I always have to use the app?

  Yes, to get discounts you need to actively use the app. It measures your driving behaviour on every tripFew readers

• When will I receive the discount?

  As soon as you have achieved a score of at least 83 points, you will receive a discount on your next premium invoice. The higher your score, the more you save in the next insurance year. BonusDrive: Your scoreFew readers

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BasisDrive — fixed annual premium, no kilometre allowance

• Who is BasisDrive for?

  BasisDrive is particularly suitable for frequent drivers or for people who are looking for a straightforward solution without variable costs.Few readers

• Is BasisDrive available for all types of vehicles?

  Yes, BasisDrive is available for all types of vehicles, including cars, motorcycles, classic cars, motorhomes and delivery vans.Few readers

• How does BasisDrive differ from FlexDrive and BonusDrive?

  BasisDrive is a classic model with a fixed annual premium that does not take driving behaviour or kilometres driven into account.Few readers

• Can I also use BasisDrive for a company?

  Yes, BasisDrive is also available for business customers and company fleets.Few readers

• How does BasisDrive work?

  With BasisDrive, you pay a fixed annual premium. Your driving behaviour or mileage are irrelevant; it is a ‘flat-rate insurance’, so to speak. When you take out the contract, you can choose whether you want to pay your premium annually or semi-annually. You will receive the invoice for your BasisDrive contract as a QR-bill by e-mail.Few readers

• How often do I have to pay at BasisDrive?

  You can choose whether you want to pay your premium annually or semi-annually. You will conveniently receive the invoice by email.Few readers

• Do I have to document my driving behaviour or the kilometres driven with BasisDrive?

  No, with BasisDrive you don't have to document anything. Your premium always stays the same. And your driving behaviour is not tracked.Few readers

• Can I use BasisDrive with a interchangeable licence plate?

  Yes, with BasisDrive you can also insure two vehicles with a different licence plate.Few readers

• How many kilometers are covered with BasisDrive?

  With BasisDrive, you can drive as many kilometers as you like – there's no mileage limit. 🚗💨 Just enjoy the ride without watching the odometer. BasisDrive flatrateFew readers

Use of the app

• What should I do if no more trips are being recorded?

  If you receive an email from us stating that no more trips could be recorded, please check the following: Make sure that you are still logged into your simpego FlexDrive app. If you are logged out, please log in again and verify yourself with the SMS code that we send to your stored mobile phone number.Few readers

• How do I get started with the FlexDrive app?

  To get started, follow these steps: the FlexDrive app from the App Store (for iOS) or the Google Play Store (for Android). Enter your registered mobile number. Verify yourself with the SMS code that we send to your number. Now you can use the app and benefit from FlexDrive or BonusDrive immediately. Have a safe journey! 🚗Few readers

• How can I change the language of app?

  🌍 The FlexDrive app language automatically adapts to your phone's system language. 🔧 To change the language: 1️⃣ Go to your phone's settings. 2️⃣ Navigate to System → Language & input → Languages. 3️⃣ Select your preferred language. 4️⃣ After the change, FlexDrive will also be displayed in the new language. 📌 Available languages: ✅ German ✅ French ✅ Italian ✅ EnglishFew readers

• I regularly take the tram – what type of traveller am I?

  If you regularly take the tram or streetcar, please select the ‘train’ trip type in the FlexDrive app. 📌 Good to know: The FlexDrive app learns your mobility behaviour over time and should automatically categorise your tram journeys as public transport, i.e. as ‘train’. This is how you can manually change the trip type: 1️⃣ Open the FlexDrive app. 2️⃣ Go to your trips and select the relevant trip. 3️⃣ Change the trip type to ‘train’. 4️⃣ Save – done! ✅ If a trFew readers

• How long can I view my trips and change the trip type?

  In the FlexDrive app, you can view your trips for up to ten days retrospectively and, if necessary, change the trip type manually. The following details are displayed for each trip: A = start of journey B = end of journey Events: heavy acceleration, heavy braking or distractions caused by using a mobile phone, which can negatively affect your score In addition, the route driven is shown in colour to give you a better overview: Light blue: appropriate speed Red: speed exceeded DasheFew readers

• What if the policyholder is not the person who most often drives the vehicle?

  That's not a problem. The app can also be used if the policyholder is not the person who drives the most. Our recommendation is that the main driver – the person who drives the vehicle most often – installs and activates the app on their smartphone. This allows driving behaviour to be analysed accurately. Regardless of this, regular reporting of the mileage remains crucial to ensure correct billing.Few readers

• Where can I view my driving style and how do I change the trip type?

  📲 How to find your driving statistics: 1️⃣ Open the FlexDrive app. 2️⃣ Tap on the second tab ‘Trips’ – here you can see the history of your last 30 trips. 3️⃣ Select a trip to view details of the route, including: 🚦 Acceleration & braking behaviour 📍 Start & destination address (A = Start B = Destination) 📊 Possible distractions from smartphone use ✏️ To change the trip type: 1️⃣ Tap the steering wheel icon on the far right of the trip overview. 2️⃣ Select the correct trip type,Few readers

• Do I have to log into the app before every journey?

  No. You remain logged into the app permanently. The FlexDrive app uses the motion sensor to automatically detect whether you are currently driving and starts recording your journey. Based on your driving style, the app differentiates whether you are the driver, passenger or travelling by public transport. This means everything works automatically – without you having to log in before each journey. (Bild)Few readers

• I have a new mobile number. What do I have to do?

  Register your new phone number with our customer service team. The change will be updated automatically in the FlexDrive app. After that, you can continue to use the app with the new number as usual.Few readers

• Where can I download the app?

  The app is available in the Google Play Store and the App Store. Download it here: App Store Google PlayFew readers

Payment & Credit Cards

• What do I do if I want to change my credit card?

  No problem! You can update your new credit card details at any time using the link we sent you after the first billing. If you can't find the link, please contact our support team. Store new credit cardFew readers

• I haven't added my credit card. Where can I do that?

  Don't worry! We will send you a link by email as soon as the first bill is due. You can use this link to store your credit card details securely and conveniently. (Bild)Few readers

• Which credit cards are accepted at simpego?

  We accept the following credit cards: Visa (also Visa Debit, if activated for online payments) Mastercard AmexFew readers

Mileage & Billing

• What happens if I don't have enough credit on my prepaid credit card for the reward?

  If we cannot charge your credit card on the day of the charge, you will be notified by email. We will attempt to charge your credit card a total of three times, each time with a three-day interval. If payment is still not possible after the third attempt (on the ninth day), your contract will automatically be switched to the BasisDrive flat-rate model with a fixed annual premium (CAP premium of the FlexDrive contract). In this case, you will lose your entitlement to the kilometFew readers

• I am currently on holiday and have received a request to report my new mileage. What should I do?

  No problem, as long as you are not away for several months. If you currently do not have access to your car, you can simply add your mileage once you are back home. As soon as you provide the actual mileage, we will create a new invoice for you. Important: However, if we do not receive an update from you for a period of 90 days, your contract will automatically be switched to the BasisDrive flat rate model. This corresponds to the maximum premium of your FlexDrive contract.Few readers

• How often do I have to report my mileage to FlexDrive?

  As a FlexDrive customer, you report your current mileage once a month. 📌 This is how it works: ✔️ You will receive a prompt in the app when it is time to report. ✔️ Enter the current mileage and upload a photo of your odometer. ✔️ Your monthly premium is calculated based on this data. You report your current mileage once a month.Few readers

• How can I enlarge the photo of my odometer if the display is too small?

  First take a normal photo of your current mileage – without zooming. After you have taken the photo and want to confirm it, you can zoom in as usual using two fingers. Make sure that the mileage display is neatly centred between the square brackets. You can then send us the enlarged photo and enter the current mileage manually in the app. (Bild)Few readers

• I didn't drive my car at all last month. Do I still have to submit a photo of the mileage?

  Yes, even if you haven't moved your car in the last month, we still need proof of your current mileage. Simply take a photo of your odometer as usual and enter the mileage in the FlexDrive app – even if the reading is the same as the previous month. In this case, we will only charge you the fixed premium, which covers risks such as partial comprehensive insurance or parking damage to a stationary vehicle. The amount will be debited as usual from the credit card you have provided.Few readers

• Can I report my mileage by email or phone?

  No, that is not possible. Mileage can only be entered via the FlexDrive app. It is not possible to report mileage by phone or email. Please always report your current mileage directly in the app. If you need help with this, our customer service team will be happy to help.Few readers

• What happens if I don't report my mileage in time?

  If we do not receive your current mileage in time, we will provisionally estimate your consumption based on your previous driving data. You can enter the correct mileage at a later date via the FlexDrive app. Important: If you do not provide a new mileage reading within 90 days, your contract will automatically be switched to the BasisDrive flat rate model with a fixed annual premium (CAP premium for the FlexDrive contract). In this case, you will lose your entitlement to the kiloFew readers

• When and how do I have to report my first kilometre reading?

  At the start of the contract, you will receive an e-mail and an SMS from us. Within 10 days, you must report the initial mileage of your vehicle via the FlexDrive app. If you fail to do so, your contract will be switched to BasisDrive with a fixed annual premium (the CAP premium of your FlexDrive contract) on the 11th day. This means that you will no longer be entitled to the kilometre model. The switch will be made retroactively from the start of the contract, and the new flat-rate contract (Few readers

• What does my FlexDrive invoice look like, and do I have to pay the fixed premium monthly?

  Yes, you will receive an invoice every month after reporting your mileage. This includes: Fixed premium: This covers risks such as comprehensive insurance or parking damage, which are also important for a stationary vehicle. Variable premium: This is based on the kilometres you drove in the previous month. After your 100th trip, your score will be included in the calculation. A good score can give you a discount of up to 20% on the variable portion.Few readers

App & Compatibility

• Does my smartphone need special hardware like a gyro sensor?

  Yes, the app requires a gyro sensor. All iPhone models are equipped with a gyro sensor as standard. Please note that some Android smartphones do not have a gyro sensor. The app cannot be installed on such devices via the Google Play Store.Some readers

• What do I do if the app is not working properly?

  First, check that you have the latest version of the app installed. If the problem persists, contact our customer service centre. We will be happy to help.Few readers

• Does the FlexDrive app also work without an internet connection?

  Yes, the app stores your data even when you are offline. As soon as you are connected to the internet again, the kilometres will be synchronised.Few readers

• Will FlexDrive work on my Huawei phone with EMUI?

  Unfortunately not. The FlexDrive app is currently only available for devices running on Android or Apple iOS.Few readers

• How can I change the language of the FlexDrive app?

  🌍 The FlexDrive app language automatically adjusts to your phone's system language. 🔧 To change the language 1️⃣ Go to your phone's settings 2️⃣ Navigate to System → Language & input → Languages 3️⃣ Select your preferred language 4️⃣ After the change, FlexDrive will also be displayed in the new language. 📌 Available languages: ✅ German ✅ French ✅ Italian ✅ English If your pFew readers

• Which Android version is required for the app?

  The FlexDrive app supports Android 7.0 (Nougat) and newer versions. Please make sure that your device is running a current version of Android to use the app.Few readers

• Do I need a special app for FlexDrive?

  Yes – to benefit from FlexDrive or BonusDrive, you need the FlexDrive app on your smartphone to measure your driving style and report the kilometres to FlexDrive. The app is available here: GooglePlay App StoreFew readers

• I am a commuter and I travel by bus more than by car. Does the app recognise which mode of transport I use?

  Yes, the app automatically recognises whether you are driving, are a passenger or are using public transport. Manual corrections are usually not necessary. However, if this should be the case, click on the steering wheel icon during your last journeys and change the journey type.Few readers

• Can I use FlexDrive with a Microsoft Windows Phone?

  Unfortunately not. At present, the FlexDrive app only works on Android and Apple iOS devices.Few readers

• Do I need a data plan on my phone to use the FlexDrive app?

  No, the FlexDrive app does not require any mobile data. Your driving style is stored locally on your smartphone while you are driving. As soon as you are connected to a Wi-Fi network again, the data is automatically synchronised with our system.Few readers

• Can I also provide my landline number for my FlexDrive or BonusDrive contract?

  No. For FlexDrive and BonusDrive, we need a mobile number that is used on a smartphone (Android or iOS). The mobile number is necessary to identify you and to match your driving style to your possible discount on your insurance contract.Few readers

• What version of iOS does the FlexDrive app require?

  The FlexDrive app requires an iPhone with iOS 15.0. Please make sure your device is updated to the latest iOS version to use the app.Few readers

• Why am I getting an error message about the Wi-Fi settings?

  The FlexDrive app requires a Wi-Fi connection to save your trips and synchronise them with our system. As soon as you connect to a Wi-Fi network, synchronisation is completed and your trips are saved in the app.Few readers

• How to share your location with the FlexDrive app on your iPhone

  iPhone: On your iPhone, activate the ‘Motion & Fitness’ option and give permission to share your location ‘always’.Some readers

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Privacy & location data

• Do I have to allow the app to access my location?

  Yes, location access is necessary for the FlexDrive app to reliably record your driving data and analyse your driving style. The location data is used exclusively to evaluate driving behaviour and calculate premiums – no movement profiles are created. Without location access, important functions such as calculating your score cannot be used.Few readers

• Who has access to my driving data?

  Your driving data is processed by simpego and a third-party provider: Simpego: Only receives reduced and aggregated data in order to calculate your score and reward. Processor: The FlexDrive app is based on cloud-based technology that is provided and maintained by a third-party provider. This provider acts as a processor and handles the technical processing of the driving data within the app. ❗ Important: No comprehensive movement profiles are created and all data is treated iFew readers

• How does simpego protect my data?

  Simpego uses a wide range of technical and organisational measures to protect your data. These include: Anonymisation: Your data will be anonymised or deleted after one year at the latest. Security precautions: Encryption, access controls and regular security checks ensure the protection of your data. Confidentiality: All data is treated securely and confidentially in accordance with the applicable data protection regulations. See also our Privacy Policy: ➡️ Privacy Policy (https://Few readers

• Does simpego create a movement profile of me?

  No. simpego does not create a movement profile of you, your vehicle or your registered smartphone. The data collected on the start and end of the journey, braking, acceleration and distractions are used exclusively to calculate your score and the kilometres driven.Few readers

• Is my driving data being recorded?

  Yes, the FlexDrive app records certain driving data while you are driving. This includes: start and end time of the journey mileage and journey duration braking and acceleration behaviour cornering and turning behaviour speeding distraction through the use of mobile phones This data is used solely to calculate your score, determine the number of kilometres driven and provide you with feedback on your driving style. Simpego does not create complete movement profiles and stFew readers

• How long does simpego store my trip data?

  The FlexDrive app stores your driving data for a maximum of one year after it has been collected. After that, the data is anonymised. If you have terminated the contract, your data will be completely deleted one year after termination. Simpego ensures that your data will be treated securely and confidentially in accordance with the applicable data protection regulations throughout the entire storage period.Few readers

• What data does the FlexDrive app collect while driving?

  TThe FlexDrive app collects the following data while driving: Driving data: start and end time, duration of journey, mileage, speed. Driving behaviour: braking and acceleration patterns, turning behaviour, cornering, speeding. 33. Distraction: use of mobile devices while driving. This data is used solely to calculate the score, the premium and to improve the user experience. ❗ Location data is not used to create movement profiles.❗Few readers

• I can't share my location on my iPhone. What could be the reason for this?

  On iPhones, you first need to enable sharing for ‘Motion & Fitness’: Open Settings Privacy & Security Motion & Fitness. Enable sharing for Motion & Fitness. After that, you can set location access to ‘Always’ in the app settings to ensure the app works properly.Few readers

• Can I deny the FlexDrive app access to my location data?

  Unfortunately not. FlexDrive and BonusDrive only work with the recording of your driving data in order to determine your score based on your driving style. Without access to the location data, the app cannot analyse your trips and the functions of the model cannot be used.Few readers