Insurance that rewards you back.
Earn rewards for joining, inviting friends, adding family, and staying covered. The first insurance platform that pays you to grow.
Level up your rewards
Start at Starter, unlock Social perks, build Family bonuses, grow your Community, and reach Elite status.
Starter
Your first step into rewards
- Welcome bonus: 500 points
- Get matched with a partner
- Access to basic perks
- Invite link unlocked
Family
Bundle coverage, share rewards
- Family dashboard unlocked
- Shared bonus pool
- 500 points per family member
- Exclusive family perks
Community
Build your network
- 1000 points at 10 active invites
- Community challenges
- Group rewards unlocked
- Priority support
Elite
Top tier rewards
- 5000+ points milestone
- Exclusive lifestyle perks
- VIP partner access
- Annual cashback bonus
Your Community Progress
Keep inviting to unlock the next tier
3 more invites to unlock Community tier
Track your earning power
Three ways to build your reward balance
Earned from friend referrals
From family plan bonuses
Monthly points for staying insured
What you can unlock
Real perks, real value, real rewards
Travel Vouchers
Redeem points for flights, hotels, and experiences across Europe. Unlock at Social tier.
Lifestyle Discounts
Get exclusive deals on food, fitness, entertainment, and more from partner brands.
Cashback & Credits
Monthly bill credits, direct cashback, or bonus points that compound over time.
Family Plan Bonuses
Shared reward pools, group challenges, and exclusive family-only perks and discounts.
Elite Perks
VIP access, priority support, annual bonuses, and exclusive partner experiences.
Challenge Rewards
Complete monthly challenges, hit milestones, and unlock limited-time bonus rewards.
Why rewards exist
Insurance doesn't spread socially. We changed that. We reward you when you bring your community. Every invite, every family member, every month you stay covered—it all adds up. Because insurance should feel rewarding, not mandatory.
Common questions
How do I earn points?
▼You earn points in three ways: inviting friends (200 points per invite), adding family members to your plan (500 points each), and staying actively insured (monthly points that grow over time). Points are credited instantly when actions are completed.
What rewards do my friends get?
▼When someone joins using your invite link, they get the same welcome bonus (500 points) and you both earn bonus points when they complete their first policy. It's a win-win—they get covered, you both get rewarded.
How does the Family Plan work?
▼The Family Plan lets you bundle coverage for multiple family members in one dashboard. You unlock a shared reward pool, earn 500 points per family member added, and get access to exclusive family perks and group challenges.
Do rewards cost extra?
▼No. Rewards are completely free. SafetyBoat partners fund the reward system as part of their customer acquisition. You pay the same insurance price, but you get rewarded for bringing your community and staying covered.
How do I redeem rewards?
▼Once you're in your dashboard, you'll see your reward wallet with available perks. Click to redeem travel vouchers, apply discounts, convert points to cashback, or unlock tier-specific bonuses. Most redemptions are instant.
Can I lose my rewards?
▼Points don't expire as long as you maintain active coverage. If you cancel your policy, you keep any points you've already earned, but you'll stop earning monthly active coverage points until you're covered again.
Ready to start earning?
Join SafetyBoat and unlock your first 500 points today.