Frequently Asked Questions
Our experts, also known as Beemies, answer your questions in plain and simple language.
Our experts, also known as Beemies, answer your questions in plain and simple language.
Beema Pay-per-kilometer
Pay-per-kilometer, also known as mileage-based or pay-as-you-go insurance, is a type of car insurance in which the premium (aka your cost) changes depending on how much you drive.
The idea behind it is simple.
If your car is parked in your garage or your driveway, we can safely assume that you're less likely to have an accident. The less you are prone to accidents, the fewer claims we can expect to receive.
Unfortunately, traditional insurers don't consider your mileage as an important factor when calculating your premium. For instance, even if you commute daily from Juffair to Bahrain Bay, you are paying almost the same premium as someone driving daily from Zallaq to Manama.
With Pay-per-kilometer insurance, you pay your annual quote upfront, and then earn up to 25 % cashback if you've driven less than 20,000 km at the end of the year.
Find out more on how our Pay-per-kilometer insurance works here.
If you end up driving more than 20,000 km in a year, no worries: we won’t bump up your premium.
You will still enjoy the full insurance cover for the price you paid in the beginning.
Not a single penny more.
Our main job is to provide you with a great cover, which will keep you safe from any surprise bills. The same applies to your cashback benefit, too. If we gave you cashback based on your estimate at the beginning of your policy, you'd always be worrying whether you drove more than expected and get an additional invoice at the end of the year.
Calculating your savings at the end of the year, we make sure to surprise you with cashback instead 🙂.
Our Pay-per-kilometer feature is designed around the mileage you drive, not your driving style. That's why we don't install any tracking devices.
To calculate your cashback, you just send us one mileage reading at the beginning of the policy, and one more at the end. The difference in mileage between the two readings tells us how much you drove during the year.
On the start date of your insurance policy, we will send you an email containing a link.
By clicking on it, you will be transferred to a webpage where you will be asked to upload two images: one with your car's plate number, and the other one with your car's mileage shown on the odometer.
It’s the display on your dashboard which tells you the mileage of your car. Usually, it’s located near or under the speedometer.
The word Odometer comes from the Greek roots hodos, “way, path” and metron, “a measure”.
Yes, your mileage will be affected, because your insurance policy is based on the mileage driven, not on who’s driving the car.
If you drive more than one car, then Beema Pay-per-kilometer is perfect for you.
For instance, if you use one car for your daily commute to work, and a second car for your road trips around Bahrain, there is a high chance you drive less than 20,000 km with at least one of your cars.
That’s right. If you get Beema’s Gold Comprehensive insurance with our Pay-per-kilometer option, and you drive less than 20,000 km, you will automatically qualify for cashback.
We know how frustrating it is to get into an accident. Unfortunately, we are unable to offer cashback, however, we would love to assist you with your claim. Please call us at 8007-8007.
Our Pay-per-kilometer option gives you benefits depending on the distance you drive.
With that said, we do not neglect your good driving habits, even if you opted for Beema Pay-per-kilometer. If you don’t file any claims, you will get a no-claims discount (NCD) when renewing your insurance the following year.
After you submit the mileage reading at the end of your policy duration, we calculate your cashback based on the table below.
For instance: you paid BHD 148 for your Beema car insurance, and drove 8,500 km during the year. Based on the table below, you get 17 % cashback on your initial price.
So the amount of your cashback is:
17 % x BHD 148 = BHD 26
In other terms, the real cost of your insurance policy will be:
BHD 148 - BHD 26 = BHD 122
Not bad, right?
| Annual Mileage | Cashback |
| 0 - 4,000 | 25.0% |
| 4001 to 5,000 | 23.0% |
| 5001 to 6000 | 21.5% |
| 6,0001 to 7,000 | 20% |
| 7,001 to 8,000 | 18.5% |
| 8,001 to 9,000 | 17% |
| 9,001 to 10,000 | 15.5% |
| 10,001 to 11,000 | 14% |
| 11,001 to 12,000 | 12.5% |
| 12,001 to 13,000 | 11% |
| 13,001 to 14,000 | 9.5% |
| 14,001 to 15,000 | 8% |
| 15,001 to 16,000 | 6.5% |
| 16,001 to 20,000 | 5% |
| 20,001 plus | No Refund |
Our Pay-per-kilometer Gold comprehensive policy covers damage to others, to your passengers, and your car
If you want to know more about each type of cover, check out our benefits page.
We do offer a Super Third-Party cover, which includes more benefits than the basic third-party covers you can find on the market. However, this type of cover does not come with a Pay-per-kilometer feature.
Back to FAQ
Beema Pay-per-kilometer
Pay-per-kilometer, also known as mileage-based or pay-as-you-go insurance, is a type of car insurance in which the premium (aka your cost) changes depending on how much you drive.
The idea behind it is simple.
If your car is parked in your garage or your driveway, we can safely assume that you're less likely to have an accident. The less you are prone to accidents, the fewer claims we can expect to receive.
Unfortunately, traditional insurers don't consider your mileage as an important factor when calculating your premium. For instance, even if you commute daily from Juffair to Bahrain Bay, you are paying almost the same premium as someone driving daily from Zallaq to Manama.
With Pay-per-kilometer insurance, you pay your annual quote upfront, and then earn up to 25 % cashback if you've driven less than 20,000 km at the end of the year.
Find out more on how our Pay-per-kilometer insurance works here.
If you end up driving more than 20,000 km in a year, no worries: we won’t bump up your premium.
You will still enjoy the full insurance cover for the price you paid in the beginning.
Not a single penny more.
Our main job is to provide you with a great cover, which will keep you safe from any surprise bills. The same applies to your cashback benefit, too. If we gave you cashback based on your estimate at the beginning of your policy, you'd always be worrying whether you drove more than expected and get an additional invoice at the end of the year.
Calculating your savings at the end of the year, we make sure to surprise you with cashback instead 🙂.
Our Pay-per-kilometer feature is designed around the mileage you drive, not your driving style. That's why we don't install any tracking devices.
To calculate your cashback, you just send us one mileage reading at the beginning of the policy, and one more at the end. The difference in mileage between the two readings tells us how much you drove during the year.
On the start date of your insurance policy, we will send you an email containing a link.
By clicking on it, you will be transferred to a webpage where you will be asked to upload two images: one with your car's plate number, and the other one with your car's mileage shown on the odometer.
It’s the display on your dashboard which tells you the mileage of your car. Usually, it’s located near or under the speedometer.
The word Odometer comes from the Greek roots hodos, “way, path” and metron, “a measure”.
Yes, your mileage will be affected, because your insurance policy is based on the mileage driven, not on who’s driving the car.
If you drive more than one car, then Beema Pay-per-kilometer is perfect for you.
For instance, if you use one car for your daily commute to work, and a second car for your road trips around Bahrain, there is a high chance you drive less than 20,000 km with at least one of your cars.
That’s right. If you get Beema’s Gold Comprehensive insurance with our Pay-per-kilometer option, and you drive less than 20,000 km, you will automatically qualify for cashback.
We know how frustrating it is to get into an accident. Unfortunately, we are unable to offer cashback, however, we would love to assist you with your claim. Please call us at 8007-8007.
Our Pay-per-kilometer option gives you benefits depending on the distance you drive.
With that said, we do not neglect your good driving habits, even if you opted for Beema Pay-per-kilometer. If you don’t file any claims, you will get a no-claims discount (NCD) when renewing your insurance the following year.
After you submit the mileage reading at the end of your policy duration, we calculate your cashback based on the table below.
For instance: you paid BHD 148 for your Beema car insurance, and drove 8,500 km during the year. Based on the table below, you get 17 % cashback on your initial price.
So the amount of your cashback is:
17 % x BHD 148 = BHD 26
In other terms, the real cost of your insurance policy will be:
BHD 148 - BHD 26 = BHD 122
Not bad, right?
| Annual Mileage | Cashback |
| 0 - 4,000 | 25.0% |
| 4001 to 5,000 | 23.0% |
| 5001 to 6000 | 21.5% |
| 6,0001 to 7,000 | 20% |
| 7,001 to 8,000 | 18.5% |
| 8,001 to 9,000 | 17% |
| 9,001 to 10,000 | 15.5% |
| 10,001 to 11,000 | 14% |
| 11,001 to 12,000 | 12.5% |
| 12,001 to 13,000 | 11% |
| 13,001 to 14,000 | 9.5% |
| 14,001 to 15,000 | 8% |
| 15,001 to 16,000 | 6.5% |
| 16,001 to 20,000 | 5% |
| 20,001 plus | No Refund |
Our Pay-per-kilometer Gold comprehensive policy covers damage to others, to your passengers, and your car
If you want to know more about each type of cover, check out our benefits page.
We do offer a Super Third-Party cover, which includes more benefits than the basic third-party covers you can find on the market. However, this type of cover does not come with a Pay-per-kilometer feature.
