Overview
Simpego is a direct-to-consumer digital carrier licensed in Switzerland, offering personal lines coverage across auto, home, pet, and travel insurance. All products are sold and managed through its online platform, with policy binding available within seconds.
The carrier's primary technical differentiator is machine learning-powered pricing and telematics. It integrated Earnix Price-It for dynamic pricing in 2018 and added the Earnix Drive-It telematics platform in 2022 to support usage-based auto insurance. Under the FlexDrive plan, customers install a mobile app that monitors driving behavior -- braking, acceleration, cornering, speed, and distraction -- to generate individual scores that influence their premiums.
Simpego operates under Swiss Financial Market Supervisory Authority (FINMA) oversight and is privately held. The company has received multiple customer satisfaction and product awards, including recognition as the best auto insurance provider in Switzerland by Handelszeitung in 2024 and a top score on the bonus.ch platform.