A new kind of car insurance.
Social-first, Culture-driven.
SKRRT
SKRTCover
Policies created by car enthusiasts, for car enthusiasts.
PAYD
Pay as you drive
Pay only for the miles you drive. No more overpaying for unused coverage every month. Short-term coverage (e.g. 2hr, 48hr, or 1 week). Toggle-based in app.
Fire & Theft
Essential protection
Covers damage to others in a crash, plus protection if your ride is stolen or catches fire. All with SKRT's instant in-app claims.
Full Coverage + Mods
Complete protection
Everything covered including your custom modifications with proof of installation.
Crew Coverage
One policy. Whole crew. Zero hassle.
Insure your whole crew under one dynamic policy. Built for car crews, show teams, and active drivers. One tap and you're all covered.
INVITE
ONLY
For tuners, stancers, and street icons.
Built different — like your ride.
A key is required to join the app and sign up for the SKRTCover waitlist.
Verify Mods
We don’t void your mods.
We cover them.
In App Claims
A few clicks, claim lodged.
No hold music, no paperwork.
Invite Only
To access the app you need to be invited by someone with a key, or purchase your own key pack.
Join the Waitlist
Download SKRT on iOS and sign up for early access to SKRTCover.
Frequently Asked
Everything you need to know about SKRT
Not yet — SKRTCover is in waitlist only mode while we finalize carrier partnerships. Keys get you first dibs on the pilot launch when coverage drops.
Yes. A key unlocks the app today — voice chat, crews, realtime locations, directions — and reserves your place in the SKRTCover queue.
Crews are your private circle—just the friends you roll with to meets, late-night drives, and weekend runs. When you’re in a crew, you can see each other in real time on the map—but no one else can. Use crews to coordinate drives, plan routes, or just stay connected. It’s your protected squad, live on the map.
Voice chat lets you talk to your crew live on the map—no texting, no distractions. Call out a gas stop, plan a photo op, or just shoot the breeze while you drive. It’s like your own private walkie-talkie. Stay safe, stay synced, and stay in the convo.
Policies will be issued by top-tier carriers (State National in the US, Suncorp/Vero in NZ & AU). Grab a key to get notified when your region pilot goes live.
Target timelines: U.S. pilot Q1 2026, Key holders will be invited region-by-region. NZ/AU (TBD)
Telemetry is anonymised and used only for actuarial modelling with our prospective carriers.
Yes — our Full Coverage + Mods tier is being filed with explicit parts coverage. Just keep receipts & install pics ready, and we'll cover them.
100%. The toggle-on PAYD module is part of our initial carrier filings. We think this is the future of insurance.
Android app is in development. We're working on it and want it to resemble the iOS app experience as much as possible. But we're not sure when it will be ready.