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Old insurance is rubbish.
Use Guevara.

(It’s new. And 100% non-rubbish.)

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See how it works

GROUP #001: Brighton Sea Swimmers

Brighton skaters GROUP #002

At Guevara you join a group with other drivers. By pooling part of your premiums together, your group can save up to 50% when you keep claims low.

Sound tempting? Here’s how it works …

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One.

The amount you pay when you first join Guevara is called your Base Price. It’s worked out using all the regular insurance criteria such as age, car, location and experience.

Give me an example. Jenny is a 28 year old Product Manager living in Nuneaton. She drives a Ford Focus and has 4 years no claims. Her Base Price is £500.

See what happens next

Two.

You then join a group with other drivers. When you buy your policy, part of your money goes towards the group’s insurance fees, the rest goes into your group’s pool.

Give me an example. Bigger groups need less for insurance fees, meaning more money goes into the pool:
Group Size Insurance fees Pool contribution
10-24 70% 30%
25-49 65% 35%
50-74 60% 40%
75-99 55% 45%
100+ 50% 50%
Jenny joins a group of 20 people. Her Base Price was £500, so £350 goes towards the group’s insurance fees and £150 goes into the pool.

See the impact of claims below

Three.

Your pool is then used to pay for any claims throughout the year. If the money runs out, we use the group’s insurance fees to cover anything extra.

Give me an example. With the contributions from all 20 drivers, Jenny’s group has a pool of £4,500. They make 1 claim that year costing £1,500, leaving £3,000 left at the end of the year.

See how that affects your renewal

Four.

Any money left stays in the pool for the following year. You just pay to top it back up again, plus your insurance fees. If the group keeps claims low, you could save up to 50% on your renewal.

Give me an example.

The unused £3,000 stays with Jenny’s group for next year. They just top up the £1,500 between them, plus their insurance fees. That makes Jenny’s renewal £400 (£50 top up and £350 in insurance fees), a 20% saving after just one year.

Remember, as Jenny’s group grows, more money goes into the pool and less is needed for the group’s insurance fees. That means a bigger discount on renewal when they keep claims low.