Offer built-in
ZERO covers missed payments when customers face financial heardship. Keep your revenue consistent and your customers on the road.
Supported by
There’s no easy way to recover lost customer payments.
ZERO protects your subscription payments,
even when customers can’t pay.
White-Labeled Insurance Product
Get a fully built insurance product, ready to sell.
ZERO delivers a turnkey payment protection product with all required contracts and compliance. Simply add it to your service, and it’s ready to go.
Full Service claims Management
When your customers file a claim, we handle it all.
Support your customers in the midst of their financial hardship — they can file a claim straight from your platform. We review and approve within 72 hours, then send you the money.
Flexible Packaging & UX
Make payment insurance an easy choice at checkout.
It’s simple to integrate Zero and keep your user experience smooth and simple with our adaptable API.
Transparent pricing
Premiums starting at 2€… without health checks.
Unlike other policies, this one skips the lengthy health assessment and is available to nearly everyone for a small fee.
ZERO has been a game-changer for our car subscriptions, giving everyone peace of mind while ensuring we never miss a payment. It’s seamless, reliable, and keeps our revenue steady – even when life throws curveballs at our customers.
Sara Bay
X-Mobility
ZERO isn’t just for car subscription companies
Banks providing loans
Help your customers manage loan payments if sickness or job loss disrupts their finances.
Landlords renting properties
Help your tenants protect their rent payments, so they can remain in their homes.
Hardware subscription providers
Ensure your customers stay connected by covering their device payments during financial hardships.
Got questions? Play it safe with ZERO
Our Payment Protection allows customers to continuously use their subscriptions, even ifthey become temporarily unable to pay due to long-term illness or involuntary unemployment.ZERO covers the monthly subscription fees if customers are sick for more than 6 weeks (fromthe 42nd day of illness) or become involuntarily unemployed and receive unemploymentbenefits (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 Payment Protection covers the monthly fee for the rented item.
Our insurance feature is suitable for a variety of subscriptions and memberships. It isparticularly valuable for high-end consumer goods such as electronics or cars.
Our Payment 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 isreceiving sick pay or a certificate from the Federal Employment Agency that unemploymentbenefit is granted. All certificates are submitted through our platform partner, who forwards thedocuments to us.
The first point of contact is always our partner platform. All necessary documents arerequested and forwarded to us through them. If there are unexpected questions, ZERO contactsthe insured person and obtains the required information.