One Llama

Get Collision & Comprehensive Protection at a low fixed cost

Revolutionizing auto protection through community and technology

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Join One Llama Today!

Start your journey with our community-based auto protection

🚗

MEMBER

Get auto protection for your vehicle

✓ Plans from $350 (6 months)
✓ Community-based protection
✓ Monthly or 6-month payments
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🤝

AFFILIATE

Earn commissions by referring others

✓ 10% direct commissions
✓ 4-level earning structure
✓ Monthly payouts via Stripe
✓ $1.00 one-time investment
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Our Packages

Collision & Comprehensive protection at a Low Fixed Cost

Plan Cost (6 Months) Protection Glass Coverage
Gem $350 Up to $9,000 $450
Bronze $500 Up to $15,000 $750
Silver 25% OFF $1,000 $750 Up to $25,000 $1,250
Gold 33% OFF $1,500 $1,000 Up to $50,000 $2,500
Diamond $1,800 Up to $100,000 $5,000

All One Llama plans are for 6 months.

Join One Llama Today

How One Llama Works

Simple steps to join our community-based protection

1
Join the Community

Choose your protection plan and join our mutual aid community.

2
Member Contributions

One Llama operates on a pledge-based model where members support each other in times of need.

3
File Claims

When an incident occurs, submit a claim, and access repairs through our trusted repair network.

4
Earn & Grow

Invite friends to join One Llama and earn 10% of their plan price. Drive safely, stay incident-free, and unlock cashback rewards at the end of your term.

Did you know? Members save an estimated 40% of their plan if they have no incidents during the 6 month period.

Testimonials

"One Llama saved me money and provided excellent support after my accident. Highly recommend!"

JD
John D.
Member since 2024

"I love the cashback we receive for driving safe! It makes me feel valued as a customer."

SK
Sarah K.
Member since 2024

Eligibility and Membership Requirements

Vehicle Type

Personal vehicles only, excluding commercial vehicles. Uber and Lyft drivers are accepted.

Vehicle Value

$100,000 or less

Vehicle Age

20 years or younger
Exception: GEM package allows older vehicles

Driving Record

Maximum 2 accidents in 6 months. Members with more than 2 accidents will not have their membership renewed.

Note: All vehicles must meet these requirements to qualify for One Llama membership. Please ensure your vehicle meets these criteria before joining.

Incidents That Trigger a Sharing

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.

Frequently Asked Questions

No—One Llama is not an auto insurance provider. To join, you must already carry liability insurance from a licensed provider. One Llama offers a cost-effective alternative for collision and comprehensive protection.

Can I show them my One Llama plan? No, One Llama is not an auto insurance provider. In the U.S., drivers are legally required to have liability insurance. If stopped by law enforcement, you must present your liability insurance. One Llama focuses solely on Collision and Comprehensive protection. Therefore, you will need to obtain auto liability insurance from a licensed provider to legally drive in the U.S.

Not all vehicles are eligible for One Llama membership. To qualify, vehicles must meet the following criteria:
  1. Original retail value of $100,000 or less
  2. 20 years old or newer (with the exception of the GEM package)
  3. No commercial vehicles
  4. No more than 2 accidents in the past 12 months
Additionally, if you intend to use your vehicle for ride-sharing services, such as Uber or Lyft, this must be disclosed during the application process.

Members with no incidents can enjoy significant savings (estimated at 40% or more). In case of an incident, members receive help from the community support for car repairs. One Llama operates as a tech platform that facilitates this collective sharing for the collision and comprehensive protection.

Upon signing up for a plan, 30% of your payment is allocated as a service fee, while the remaining 70% constitutes as the mutual aid portion to support other members. If you stay incident-free for a 6-month period, you could save an estimated 40% or more on your plan. When an incident incurs in the network, you would contribute to the repair cost from the mutual aid part of your plan. The most you would contribute per week is up to 10% of your pledge. In case of your own incident, you will incur a $1,000 out-of-pocket expense plus the rest of your pledge, the mutual aid part. The remaining repair cost would be contributed by the community.

One Llama offers five flexible and affordable plans tailored to meet varying needs and budgets:
  1. GEM Package: $350 for 6 months (up to $9,000 protection)
  2. Bronze Package: $500 for 6 months (up to $15,000 protection)
  3. Silver Package: $750 (normally $1,000) for 6 months (up to $25,000 protection)
  4. Gold Package: $1,000 (normally $1,500) for 6 months (up to $50,000 protection)
  5. Diamond Package: $1,800 for 6 months (up to $100,000 protection)

One Llama has established a nationwide network of top-tier auto repair facilities which includes Maaco, Meineke and Carstar. We provide an industry-standard warranty along with specific workmanship guarantees.

In case of an incident, promptly report it to One Llama by calling 1-800-518-4155 and support@onellama.com. We will guide you through the necessary steps. Be sure to take photos of the incident, including all vehicles involved, and submit a sharing request to One Llama. Our third-party administrator (TPA) is 24/7.

To file a claim, report the incident to One Llama at 1-800-518-4155 as soon as possible. You'll need to provide details of the incident and any supporting documentation. Our team will guide you through the claims process to ensure you receive the necessary assistance.

When you invite your friends, you earn 10% of their plan price. In addition, you can also earn additional commission indirectly. You earn referral cashback for each friend you successfully refer to the program. The more friends you refer, the more you can earn. If your friends join, and they are safe drivers, it can potentially increase the savings for all members at the end of the term.
Important Reminder Before Joining
  • We are not insurance, we do not indemnify members for the costs of an accident.
  • The platform charges 30% of the plan amount as service fees. Service fees will be used to sustain the platform's daily operation and are nonrefundable.
  • Only first-party vehicle damages are eligible to apply for contribution, losses on third parties are not eligible.
  • If a third party is liable to compensate members' vehicle damages, members must claim recovery from the liable third party first. One Llama will help you with this process.
  • To maximize the effectiveness of members' contributions, the damaged parts, unless safety-related, must be replaced by alternative (non-OEM) parts whenever available.