# Clupp

> Clupp is a Mexico City insurtech offering pay-per-kilometer insurance for cars, motorcycles, bicycles, scooters, and gadgets. Its app prices policies on how much and how well you drive, rewarding low-mileage and low-risk customers with lower premiums. Founded in 2021 and backed by Y Combinator (W22), Clupp partners with established carriers and reinsurers to cover claims, and has expanded into B2B SaaS tools for brokers and insurance products tied to startup financing.

- **Founded:** 2021
- **Headquarters:** Mexico City, Mexico
- **Founders:** Omar Said Lopez Tronco (CEO & Founder), Marisol Sanchez (COO & Co-founder)
- **Team size:** 12-19
- **Products:** Pay-per-kilometer auto insurance, Motorcycle, bicycle and scooter insurance, Gadget insurance, B2B SaaS for brokers, Startup financing insurance (US)
- **Notable:** Accepted into Y Combinator's Winter 2022 batch and featured among international fintechs at YC Demo Day., Built one of Mexico's few true pay-per-kilometer insurance offerings, claiming up to ~40% lower premiums for low-mileage/low-risk drivers., Founder won the Mexican Insurance Research Award (2015) and Mexican Insurance Innovation Award (2017).

## Products & services

- **Pay-per-kilometer auto insurance** — Usage-based car insurance priced on monthly kilometers driven and driving habits, with tiers for reduced (<500 km/mo), normal (500-1,200 km/mo) and intensive (1,600+ km/mo) mobility. Broad coverage includes theft, accident damage, occupant medical expenses and third-party liability.
- **Motorcycle, bicycle and scooter insurance** — Per-kilometer and usage-based coverage for motos, bikes and monopatines - vehicles often ignored by traditional carriers.
- **Gadget insurance** — Theft and damage protection for smartphones, tablets and laptops with customizable coverage amounts.
- **B2B SaaS for brokers** — Software tools that let insurance brokers offer and manage modern usage-based products.
- **Startup financing insurance (US)** — Insurance products designed to guarantee financing for startups in the United States.

## Achievements

- Accepted into Y Combinator's Winter 2022 batch and featured among international fintechs at YC Demo Day.
- Built one of Mexico's few true pay-per-kilometer insurance offerings, claiming up to ~40% lower premiums for low-mileage/low-risk drivers.
- Founder won the Mexican Insurance Research Award (2015) and Mexican Insurance Innovation Award (2017).
- Expanded from consumer auto into moto, bike, scooter and gadget coverage, plus B2B SaaS and US startup-financing insurance.

## Latest updates

- **2022-03** — Featured among the international fintech startups at Y Combinator's Winter 2022 Demo Day.
- **2023** — Introduced B2B SaaS tools enabling brokers to offer usage-based insurance.
- **2024** — Expanded into US-market insurance products guaranteeing startup financing.

## Links

- Website: https://clupp.com.mx
- LinkedIn: https://www.linkedin.com/company/cluppseguro
- Twitter/X: https://twitter.com/CLUPP_AUTO
- Instagram: https://www.instagram.com/clupp_mx/
- Facebook: https://www.facebook.com/cluppseguro/

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Profile page: https://yespress.io/clupp-yc-w22
Published by YesPress — https://yespress.io
Last updated: 2026-07-31