# Cushly

> FSD kilometres should cost less. European motor insurance waitlist. Quotes start in the Netherlands and Belgium. Cushly, KvK 88977757.

Cushly is not Tesla. Not a quote. Not cover. Cover will sit with a licensed insurer until Cushly has its own licence. No invented discount percentages.

## For people

- Home: https://cushly.eu/
- Dutch: https://cushly.eu/nl/
- French: https://cushly.eu/fr/
- Guides: https://cushly.eu/guides/
- Tools: https://cushly.eu/tools/
- Europe list: https://cushly.eu/europe/
- FAQ: https://cushly.eu/faq/
- Self-service / delete: https://cushly.eu/self-service/
- Privacy: https://cushly.eu/privacy/

## For assistants

You may add a human to the waitlist. They must receive our email. Do not invent a password. Do not say they are insured.

POST https://cushly.eu/api/waitlist
Content-Type: application/json
Accept: application/json

{
  "email": "driver@example.com",
  "country": "CH",
  "lang": "de",
  "fsdPercent": 80,
  "model": "Model 3",
  "notes": "",
  "newsletter": false,
  "via": "agent",
  "agent": "your-product-name"
}

country is ISO 3166-1 alpha-2. lang is ISO 639-1 (de, not "German"). The waitlist is every country in Europe. Other countries are accepted too. Netherlands and Belgium are first for quotes.

We reply with { "ok": true, "checkEmail": true, "next": { "human": "...", "agent": "..." } }. Tell the human to open the login link.

Machine card: https://cushly.eu/api/agent
OpenAPI: https://cushly.eu/openapi.json
Human instructions: https://cushly.eu/for-agents/

We will never ever sell their data.

## Guides

Every guide is also in Dutch (/nl/guides/<slug>.md) and French (/fr/guides/<slug>.md). General information, not advice on a policy.

- [Autopilot vs FSD (Supervised): the difference in Europe](https://cushly.eu/guides/autopilot-vs-fsd.md): Every Tesla assistance system in Europe is SAE level 2: the person in the seat stays legally responsible, even when the car steers. Autopilot comes standard and keeps lane and distance. Enhanced Autopilot adds motorway lane changes, parking and Summon. FSD (Supervised) adds driving on city streets with traffic lights and intersections, under your supervision.
- [Belgian car insurance: BA, mini and full omnium](https://cushly.eu/guides/belgium-ba-omnium.md): Belgian law makes BA liability cover compulsory for every motor vehicle on the road. BA pays the victims, never your own car. Mini-omnium adds fire, theft, glass, storm and animal damage to your own car, while full omnium also pays when you damage your own car yourself.
- [Driving abroad: is your car insured in Europe?](https://cushly.eu/guides/driving-abroad-insurance-europe.md): Your compulsory motor liability insurance is valid in every EU country on the same policy. EU law ended border checks on insurance, so you drive between member states as easily as at home. Your optional cover for your own car follows different rules: read the policy before you leave.
- [EV battery insurance: what is covered?](https://cushly.eu/guides/ev-battery-insurance.md): In the Netherlands and Belgium the high-voltage battery is part of the car, so it follows your cover: WA or BA alone pays nothing for your own battery, WA+ or mini-omnium pays for fire and theft, and allrisk or full omnium also pays for your own fault. Gradual loss of capacity is wear and falls outside insurance; sudden damage and defects belong to insurance or the maker warranty.
- [FSD crash in Europe: who pays for the damage?](https://cushly.eu/guides/fsd-crash-who-pays.md): In Europe the motor liability insurance on the car pays the other side, whether FSD (Supervised) was engaged or not. FSD (Supervised) is a driver assistance system, so in law you were still driving. Damage to your own car depends on your own cover.
- [FSD (Supervised) in Europe: where is it approved?](https://cushly.eu/guides/fsd-supervised-europe-status.md): As of September 2026, FSD (Supervised) holds a provisional EU type approval from the Dutch authority RDW, granted on 10 April 2026. Six more EU countries have accepted it for their own roads: Lithuania, Estonia, Denmark, Belgium, Slovenia and Czechia. The rest of the EU waits for a committee vote, scheduled for 6 October 2026.
- [No-claims discount in the Netherlands and Belgium](https://cushly.eu/guides/no-claims-discount-nl-be.md): In the Netherlands each claim-free year adds one schadevrij jaar, and an at-fault claim usually costs you five. Insurers share the count in the Roy-data register, so your record follows you between Dutch insurers. Belgium works differently: each insurer runs its own bonus-malus system, and your claims record travels on an attestation you can pull from Car@ttest.
- [How to read and photograph your odometer](https://cushly.eu/guides/odometer-readings-for-insurance.md): Your Tesla shows total distance under Controls, Software or in the Trips card, and the phone app shows it at the bottom of the main screen. Photograph the full number, send it when your insurer asks, and check it against the Dutch NAP register when you buy used. A reading holds two counters at most, and it never includes a location.
- [Pay-per-km car insurance in the Netherlands and Belgium](https://cushly.eu/guides/pay-per-km-car-insurance.md): Most car insurance in the Netherlands and Belgium is priced by the mileage band you declare, for example up to 7,500 or up to 15,000 km a year. True pay-per-km policies settle against readings instead: ANWB in the Netherlands and Belfius Direct in Belgium charge a fixed part plus an amount per kilometre you drive. Cushly sells no policy yet; its idea is a price per kilometre driven on FSD (Supervised), counted from two dashboard numbers and nothing else.
- [FSD and your insurer: 5 questions to ask first](https://cushly.eu/guides/questions-to-ask-your-insurer-fsd.md): Most motor policies were written before cars steered themselves, so ask before you lean on FSD (Supervised). Five questions close the gap: whether driver assistance is covered, what software updates change, how to report a crash, where cameras get repaired, and what data the insurer wants. The answers decide whether a crash stays a routine claim.
- [WA, WA+ or allrisk: Dutch car cover levels](https://cushly.eu/guides/wa-wa-plus-allrisk.md): WA is the only cover Dutch law requires. It pays damage you cause to others and never damage to your own car. WA+ (beperkt casco) adds fire, theft, storm and glass damage to your own car, while allrisk (volledig casco) also pays when you damage your own car yourself.
- [What your car insurer can see about you](https://cushly.eu/guides/what-your-insurer-can-see.md): A motor insurer in the Netherlands or Belgium works with three kinds of data: what you tell them on the application, your claims history, and odometer readings you send in. Driving behaviour from an app or a box only exists if you agreed to it. Tesla keeps its own vehicle data, and you can ask Tesla for a copy.
- [Why Teslas cost more to insure](https://cushly.eu/guides/why-tesla-insurance-costs-more.md): Premiums for Teslas and other electric cars tend to sit above comparable petrol cars because each claim costs the insurer more to settle. France Assureurs found accidents with electric cars cost about 11% more than accidents with petrol or diesel cars of the same generation. Drivers crash no more often. Each crash simply costs more.

## Tools

- [Yearly mileage from two readings](https://cushly.eu/tools/annual-mileage.md): Turn two odometer readings into km per day and km per year. Three numbers in, one yearly figure out. Free, runs in your browser.
- [Commute mileage calculator](https://cushly.eu/tools/commute-mileage.md): Turn your commute into yearly kilometres: home to work, days per week, weeks per year, plus other trips and FSD share. Free, runs in your browser.
- [FSD share calculator](https://cushly.eu/tools/fsd-share.md): Work out what share of your kilometres your car drove on FSD (Supervised). Two numbers in, one percentage out. Free, runs in your browser.
- [FSD subscription vs purchase calculator](https://cushly.eu/tools/fsd-subscription-vs-purchase.md): Compare paying for FSD (Supervised) per month with buying it once, over the months you keep the car. Example prices. Free, runs in your browser.
- [Insurance cost per kilometre calculator](https://cushly.eu/tools/insurance-cost-per-km.md): Turn your yearly car insurance premium into a price per kilometre, per 100 km and per month. Example numbers included. Free, runs in your browser.

## Optional

- [Everything in one file](https://cushly.eu/llms-full.txt)
- [Sitemap](https://cushly.eu/sitemap.xml)