You took out liability, legal protection, or household insurance and didn't cause any damages? The founders of “Friendsurance" think this should be rewarded. Insured people who join forces on the Internet platform and put part of their insurance fee in a common pot receive a bonus at the end of the year, provided the policy wasn't made use of by anyone in the group. Fair and prudent behaviour is financially rewarded. Not only the participants benefit from the model, but also the insurance companies. The latter can cut costs as the model heightens inhibitions about insurance fraud.