Offer built-in
payment protection with
your car subscriptions

ZERO covers missed payments when customers face financial hardship. Keep your revenue consistent and your customers on the road.

Contact us

Supported by

There’s no easy way to recover lost customer payments.

Credit checks don’t predict future
financial setbacks.

Taking legal action costs more than
the lost revenue.

Service suspensions still leave you
unpaid.

ZERO protects your subscription payments,

even when customers can’t pay.

One low monthly fee
for customers.

We manage compliance, claims,
and payouts.

Offer a worry-free, all-inclusive
alternative to leasing.

WHITE-LABELED INSURANCE PRODUCT

Get a fully built insurance product,
ready to sell.

ZERO delivers a turnkey payment protection product with all required contracts and compliance. Simply add it to your service, and it’s ready to go.

FULL SERVICE CLAIMS MANAGEMENT

When your customers file a claim,
we handle it all.

Support your customers in the midst of their financial hardship — they can file a claim straight from your platform. We review and approve within 72 hours, then send you the money.

FLEXIBLE PACKAGING & UX

Make payment insurance an
easy choice at checkout.

Support your customers in the midst of their financial hardship — they can file a claim straight from your platform. We review and approve within 72 hours, then send you the money.

TRANSPARENT PRICING

Premiums starting at 10€…
without health checks.

Unlike other policies, this one skips the lengthy health assessment and is available to nearly everyone for a small fee.

ZERO has been a game-changer for our car subscriptions, giving everyone peace of mind while ensuring we never miss a payment. It’s seamless, reliable, and keeps our revenue steady – even when life throws curveballs at our customers.

SARA BAY
VIVELACAR

ZERO isn’t just for car subscription companies

Banks providing loans

Help your customers manage loan payments if sickness or job loss disrupts their finances.

Landlords renting properties

Help your tenants protect their rent payments, so they can remain in their homes.

Hardware subscription providers

Ensure your customers stay connected by covering their
device payments during financial hardships.

Benjamin
Director of Business Development

Keep your revenue — and your customers — moving forward.

Book a meeting
Contact us

Got questions?
Play it safe with ZERO

What is ZERO’s Payment Protection and how does it work?

Our Payment Protection allows customers to continuously use their subscriptions, even if they become temporarily unable to pay due to long-term illness or involuntary unemployment. ZERO covers the monthly subscription fees if customers are sick for more than 6 weeks (from the 42nd day of illness) or become involuntarily unemployed and receive unemployment benefits (ALG I) from the employment agency.

What does ‘involuntarily unemployed’ mean?

“Involuntarily unemployed” refers to individuals who are out of work due to circumstances beyond their control, rather than by choice. This means that the unemployment occurs without a person’s own fault or action. This can happen due to external circumstances such as layoffs, company closures, or economic crises, where the affected person had no control over the loss of their job.

What exactly does ZERO’s Payment Protection provide?

Our Payment Protection covers the monthly fee for the rented item.

Which subscriptions can be covered?

Our insurance feature is suitable for a variety of subscriptions and memberships. It is particularly valuable for high-end consumer goods such as electronics or cars.

How does the integration of the insurance feature into a subscription work?

Our Payment Protection is designed to be a fixed service feature of the subscription.

What do customers need to do in the event of a claim?

We only need the certificate from the statutory health insurance that the insured person is receiving sick pay or a certificate from the Federal Employment Agency that unemployment benefit is granted. All certificates are submitted through our platform partner, who forwards the documents to us.

Who is the contact person for customers with questions?

The first point of contact is always our partner platform. All necessary documents are requested and forwarded to us through them. If there are unexpected questions, ZERO contacts the insured person and obtains the required information.