Problem

Mexico has a large motor-insurance protection gap: CONDUSEF reports that seven in ten vehicles in circulation lack insurance, exposing drivers and third parties to potentially severe financial losses after an accident. Clupp targets the mismatch between conventional insurance and drivers who use their vehicles infrequently or drive cautiously. Its clearest use case is the occasional car or motorcycle owner who drives fewer than 500 kilometers a month—often mainly on weekends—but would otherwise pay for protection priced as though the vehicle were used every day.

Product / Service

Clupp is a digital, usage-based mobility insurer offering coverage for cars, motorcycles, bicycles, electric bicycles, and scooters. Its pricing combines the vehicle's value with the customer's expected monthly mileage, with plans organized around reduced, normal, or intensive mobility and positioned to reward low usage and good driving. Customers quote and enroll online, select a plan, pay monthly without a fixed term, and manage the policy through the app; auto and motorcycle mileage is verified periodically through odometer photographs.

The product is structured as a digital mutuality: Clupp Mutualidad provides most of the coverage, while ANA Seguros backs the mandatory third-party-liability component. The benefit is a simpler and potentially more affordable alternative to conventional insurance, with broad auto and motorcycle coverage, online changes and cancellations, and mobility protection that can follow a customer's mix of motorized and non-motorized transport.

Market

Clupp competes in Mexico's insurtech and mobility-insurance market, specifically the pay-as-you-drive/pay-how-you-drive segment. Its direct Mexican comparison is miituo, another kilometer-based auto insurer, while broader global comparables include telematics and digital-insurance companies such as Zego, Qover, and ELEMENT. Clupp also presents a B2B angle through software for insurance brokers, extending beyond its consumer policies into insurance infrastructure for Latin America and other markets.

The available evidence points to an operating company rather than a purely pre-revenue concept: reporting says Clupp had collected information from more than 10,000 users by 2020, and Y Combinator lists it as an active Winter 2022 company with a 12-person team. A secondary funding database reports one $460,000 seed round in December 2021. Public sources do not disclose current revenue, policy count, or more recent customer growth, so the strongest defensible conclusion is early commercial traction with limited publicly reported scale rather than a verified revenue figure.