Pool As You Go

Stop paying for coverage you never use

Only what you need. Pick the risks. Skip the rest.

Most people carry several policies and claim on few of them. With Pool as you go, you create a pool around exactly the risks you worry about, invite mates who share them, and see every euro in real time. Nothing bundled in, nothing hidden.

from €5/month · you set what's covered

Create your pool

Who it's for

You already have insurance. Probably more than you need.

Pool as you go is for you if you:

Pay for bundled policies where half the cover never applies to you

Have overlapping cover and can't tell which policy pays for what

Want to protect specific risks properly: income if you can't work, work equipment, liability to third parties — or a phone, an e-bike, a trip

Prefer rules you set yourself, or can read and trust, over an insurer's fine print

No specific profession, age or lifestyle required. If you can name the risks you actually worry about, you can build a pool around them.

How it works

Create your pool in 5 steps

Name it, set the rules and the contribution, pay, and invite your mates. No review, no waiting for approval.

Name your pool

Add a name and what it covers, e.g. e-bikes, work equipment, income protection (AOV), liability to third parties

Group items that share similar risks

Add an optional description mates see before joining

Create your pool screen: pool name, what you are covering, short description

Set the coverage rules

Pick the incidents you cover — or add your own

Coverage area: the Netherlands for now, with an optional city or province

Choose when coverage starts: days after the pool starts, 14–30 recommended

Set coverage rules screen: covered incidents, coverage area, when coverage starts

Set the contribution and start rules

Set the monthly contribution per mate — from €5

Choose the minimum number of mates to start the pool

See your first payment and estimated coverage update live

Contribution and activation screen: monthly contribution, minimum mates, live estimate

Review and pay

See what you pay today: 3 months upfront, then monthly

Check the summary: name, cover, coverage start, mates needed

Pay and publish — you can edit the rules until the first mate pays

Review your pool screen: amount to pay today, summary, what happens next

Invite your mates

Share one pool link — it doesn't expire

Mates join and verify their identity themselves, and count after their first payment

Follow how many mates have joined and when the pool must start

Your pool is live screen: invite link, mates joined, start deadline

If the pool doesn't start, you get your money back. A pool needs its minimum number of mates within 30 days of the first payment. If it doesn't get there, every payment is refunded minus the payment processing fee, and Wemates' 10% fee is refunded in full.

Transparency

What's not covered

Clear exclusions agreed upfront — so there are no surprises when you file a claim.

Mandatory insurance — basic health insurance, car liability (WA), and other legally required cover. Keep those.

Large, long-term risks — home and building damage, life insurance, pensions

Self-caused or preventable damage

Damage that existed before you joined

Normal wear and tear

Incidents during the waiting period

Anything outside your pool's published rules

Pricing

You set the price

The pool's creator sets the monthly contribution per mate — from €5.