FINANCIAL PROTECTION

Upgrade your subscription models with insurance services_

Maximum security: Our subscription protection for every situation

Subscription models are gaining popularity across industries, from electronics to automobiles. But what happens if customers encounter financial hardship due to unforeseen events like accidents, illness, or job loss? While many providers allow short-notice contract cancellations, customers often still rely on the essential items they’ve rented. After all, a family car doesn’t lose its importance simply because one is unable to work.

This is where ZERO’s Subscription Protection steps in. We cover the monthly payments, allowing your customers to keep using their rented items while ensuring your cash flow remains steady.

What is ZERO’s Subscription Protection?

Services

Our subscription protection covers the monthly payments for consumer goods or services (e.g., cars or electronics) if customers become unable to work for more than 6 weeks or become involuntarily unemployed.
Our service is aimed at both employees and self-employed workers.
Your customers can focus on what matters most: recovery without financial uncertainty.

Integrations

ZERO’s Subscription Protection becomes an integral part of your service package – an upgrade for your product, so to speak. Customers automatically enjoy insurance coverage without any additional bureaucracy.

Benefits

Our insurance feature provides your customers with financial security and flexibility in times of emergency. This approach not only enhances customer loyalty and satisfaction but also differentiates you in the market, establishing new industry standards. Your customers enjoy peace of mind, maintaining full control over their financial commitments with the confidence that their subscriptions remain protected, no matter what challenges arise.

We ensure the integration of Invisible Insurance is as straightforward as it gets:   

Firstly, we take care of the product integration together, then we deal with the technical integration. The first step in product integration is to find out how you want to integrate the insurance into your offer. In this conception phase, we are happy to support you in identifying the appropriate model. Depending on which services or products you want to enhance with an insurance benefit, for example a premium membership, a one-time insurance or a premium price model may make sense as an offer to your customers. In the latter case, the product is offered without insurance coverage as well as with coverage – as a premium variant.

Once the concept and thus the framework for the insurance has been created, the next step is to create a purpose-fit insurance solution. This involves clarifying which insurance has added value for customers and which data is available to calculate the price. The technical integration is followed by the implementation of the created product concept. If necessary, you can adjust your website and integrate ZERO’s technical interface. By using the API connection, you can add or remove members, manage contracts and much more. Even if you want to change something manually, you can do so via our web interface, which gives you unrestricted access to the insurance. 

Got questions?
Play it safe with ZERO

Our Subscription 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 fee 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.

“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.

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

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.

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

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.

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.

Let’s talk together about your solution

We would be happy to advise you.