How does pay-per-kilometre
insurance work?

Want to get up to 25% cashback on car insurance? Keep on reading.

Fact: You drive much less than what you think you do.
It might sound surprising, but it’s true. We tend to think that spending a lot of time in our car means we drive a lot. But in reality, a big part of that time goes to waiting at traffic lights or patiently idling through rush-hour traffic.
Sharjah
Business Bay
car
trip
57 km
daily commute
trip
trip
12,000 km
yearly mileage
trip
Traditional insurers don't care about your mileage
In simple terms, you won't get much cheaper insurance compared to someone driving daily from Dubai to Abu Dhabi and covering over 60,000 km in a year.

Not fair, right?
Dubai
Abu Dhabi
car
trip
350 km
daily commute
trip
trip
60,000 km
yearly mileage
trip
Our answer:
Beema pay-per-kilometre insurance.
01
5 minutes, and you're all set
Discover more
02
No tracking, no black boxes
Discover more
03
Earn cashback based on your mileage
Discover more
04
A new year, a fresh start
Discover more
01
5 minutes, and you're all set
Forget about queuing: get your insurance online in in a few clicks, for as little as AED 1300 a year.
Our pay-per-km policies are fully comprehensive, so you can be sure there are no surprise bills coming your way in case of an accident.
5 minutes quote
02
No tracking, no black boxes
Once you have your policy, you send us your car mileage reading. That way 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.
03
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.
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.
04
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.
DAY 364
15,000 km
DAY 365
15,100 km
DAY 1
0 km
End of policy
Don't save on insurance by getting a policy with a limited cover.
With Beema, you get super-full insurance and save money based on how much you drive.
It's a win-win, really.
What are you waiting for? Check our prices and start saving on your car insurance policy.