Activar

On-demand, pay-per-use insurance for specialty vehicles -- activate and deactivate coverage from your phone.

Distribution & Sales Startup Bootstrapped

Overview

Activar (ACTIVAR INSURTECH SAS) is a usage-based insurance distribution platform for specialty vehicle owners in Argentina. The company operates a mobile app that allows policyholders to activate and deactivate insurance coverage on demand, paying only for the days the coverage is active.

The platform targets owners of high-value recreational and collectible vehicles -- including high-end motorcycles, classic cars, ATVs, and off-road buggies -- who previously had to pay full-time premiums regardless of how often they used their vehicles. Coverage is underwritten by Meridional Seguros, an Argentine insurance carrier; Activar provides the technology layer for policy distribution and management. Users register their vehicle with two photos, then toggle coverage on or off directly from the iOS or Android app. Billing occurs monthly based on the number of active days, with a minimum activation period of 24 hours.

Activar also serves insurance intermediaries, providing brokers and producers with a platform to offer pay-per-use insurance to their clients. The company reports over 550 intermediaries using the platform, more than 3,000 end-user clients, and 3,800+ app downloads. The app was updated as recently as April 2026 and is available on both the App Store (iOS 15.6+) and Google Play.

Products & Services

On-Demand Vehicle Insurance App

A mobile application enabling usage-based insurance for specialty vehicles. Policyholders activate or deactivate coverage from their phone; billing is calculated per active day and charged monthly.

Key Features

Toggle insurance on/off from the app on any day
24-hour minimum activation period per session
Monthly billing based on active days only
Photo-based vehicle registration (two photos to get started)
Optional garage coverage add-on (theft and fire while parked)
Motos Alta Gama (high-end motorcycles)
Autos Clasicos (classic cars)
Cuatriciclos (ATVs/quads)
Areneros (buggies/off-road vehicles)
Personal accident coverage (add-on)

Target Users: Owners of high-end motorcycles, classic cars, ATVs, and off-road buggies in Argentina

Intermediary Distribution Platform

A platform through which insurance brokers and producers can offer pay-per-use Activar insurance products to their end clients.

Key Features

White-label or co-branded distribution to broker clients
Access to the same on-demand vehicle insurance product line

Target Users: Insurance brokers and producers in Argentina

At a Glance

Founded: 2020
Headquarters: Buenos Aires, Argentina
Employees: 1-10
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded Insurance Mobile Insurance Distribution Usage-Based Insurance
Insurance Verticals: P&C Personal Specialty/E&S
Target Customers: Consumers, Agents/Agencies