seguro x kilómetro

Seguro por Kilómetro (SXKM) was an insurtech company that operated a pay-per-kilometer auto insurance model in Mexico, targeting drivers who used their vehicles infrequently. The company was one of the early entrants in Mexico's usage-based insurance market, offering customers the ability to purchase insurance based on actual kilometers driven rather than traditional fixed annual premiums. SXKM utilized a telematics-based approach that required policyholders to install an OBDII device called PIA (Plataforma Inteligente A Bordo) in their vehicles to monitor and track mileage. The company offered packages ranging from approximately 223 pesos to 5,456 pesos annually depending on the kilometer package and policy duration selected by the customer. SXKM was initially backed by AIG Seguros, later by Seguros El Potosí, and subsequently by Grupo Affinitas. Coverage included material damage with 5% deductible, total theft without deductible, and civil liability up to 4 million pesos. However, multiple sources indicate that SXKM has ceased operations, with customers reporting that the company no longer responds to communications, offices in Mexico City are closed, and the company fails to provide claims assistance or policy cancellation support. Customer reviews on Google Maps show a low 2.5-star rating, with complaints about unrecognized charges and lack of customer service. The company's regulatory backing through Grupo Affinitas has been noted as problematic since this entity is not properly registered with CONDUSEF as a financial institution. While the website remains accessible for quotations, the consensus from industry sources and customer feedback is that SXKM is no longer actively providing insurance services as of 2021.