Welcome to One Llama
Are you tired of high auto insurance costs? One Llama is Community Collision Coverage for your car. It's a cost-effective alternative to auto insurance that let members share incident costs and save money on their collision and comprehensive coverage. Plus, you can even earn money with us.
One Llama Approach
1
Tech Platform
We're an AI-powered, auto mutual aid tech platform.
2
Flexible Plans
One Llama is the only auto protection platform that offers flexible auto plans regardless of the car or driver's history.
3
Cost Sharing
The community shares the cost of the accident after it occurs from a shared pool of funds.
4
All the Savings Belong to the Members
When a member drives safe and have no incidents in the 6 months period, they can save 40% or more on their plan and get a rebate! If there are no accidents in the whole network in the 6 months period, then all 70% are returned to the members!
5
Transparency
One Llama charges a 30% service fee for managing the platform and facilitating the sharing.
How Does One Llama's Mutuality Model Differ from Auto Insurance?
One Llama Mutuality
Risk Sharing: Members contribute to a pool of funds in their One Llama wallet, and claims are paid out from this pool. The community shares the cost of the accident after it occurs from a shared pool of funds.
Indemnification: One Llama does not indemnify its members.
Savings Distribution: Members benefit from lower costs and a sense of community. All the savings and profits pass back to the members. If the member has no incidents in the 6 month period, we estimate a likely 40% savings on their plan that they can take out or use for their renewal.
Refunds: The full 70% pledge is refunded to the member, if there are no claims for the whole network in the 6 month period.
Auto Insurance
Risk Sharing: Premiums are paid to an insurance company, and claims are paid out by the insurance company. Customers are not directly involved in the risk-sharing process.
Indemnification: Insurance company indemnify its policyholders.
Savings Distribution: All the savings and profits go back to shareholders of the insurance company.
Refunds: Policyholders do not get back their contributions if there are no claims.
Transparent Costs
No Hidden Fees
We're upfront about all costs and how your membership fees are used.
Easy to Budget
One Llama offers flexible auto plans you can choose based on need and budget.
Transparency
We offer transparency in repair costs, so members can see how the collective sharing covers repairs.
Competitive Rates
Our model keeps costs low compared to traditional insurance.
One Llama Auto Plans
DIAMOND
$1,800/ 6 months period
Up to $100,000 protection
GOLD
$1,500/ 6 months period
Up to $50,000 protection
SILVER
$1,000/ 6 months period
Up to $25,000 protection
BRONZE
$500/ 6 months period
Up to $15,000 protection
GEM
$350/ 6 months period
Up to $9,000 protection
Each plan is for a 6 months period. Choose the plan that best fits your needs. You can pay upfront or you can pay in monthly installments. One Llama offers flexible plans with different dollar amounts of protection. Members can opt for a higher plan with a higher dollar amount support level, or opt for a lower plan. Get the plan that fits your needs and budget.
Eligibility and Membership Requirements
Age
Minimum 18 years old
Vehicle Type
Personal vehicles only, excluding commercial vehicles
Vehicles Value
$100,000 or less
Vehicle Age
20 years or younger. Only exception is the GEM package where vehicles can be older than 20 years old.
Number of Accidents
2 accidents in 6 months and we will not renew your membership.
Incidents that trigger a sharing include:
Collisions
Get protection for damage caused by collisions with other vehicles or objects.
Natural Disasters
We cover damage from floods, storms, or earthquakes.
Broken Glass
Get protection for damage caused by shattered windshields or broken windows.
Transportation Support
One Llama members receive support for transportation costs if their vehicle is unable to be driven.
Theft or Vandalism
We cover damage caused by theft or vandalism.
Nationwide Repair Shop Network
Vetted
Convenient, reliable network of vetted U.S. repair shops.
Quality Service
Top-notch service with advanced tools and guarantees.
Affordable Rates
Cost-effective pricing.
Our Partners
Our partners are top companies in the auto insurance industry handling 100,000+ auto claims monthly.
Copart
Car auctions for total loss vehicles
Snapsheet
Software for adjusting auto claims
CCC
Collision management software
MotionsCloud
Automated inspection software
Mitchell
Solutions for estimating repairs
Iffys
Auto, trucking and industrial supplies