Adaptive Insurance: Smarter, Fairer, Built for Fleets

Adaptive Insurance: Smarter, Fairer, Built for Fleets

Traditional fleet insurance is rigid. Fixed premiums mean you pay the same whether vehicles are on the road or parked for days. That’s wasted spend. Add piles of paperwork and slow claims, and it becomes a drag on your business.

Adaptive insurance flips the model. It bends to how your fleet actually runs. 

• Fairer pricing 
• Faster management 
• Fewer headaches

What Adaptive Insurance Means

Adaptive insurance is usage-based coverage that reacts to how, when, and how much your vehicles are driven. Think of it as insurance that listens to your users.

• Pay-as-you-drive: Costs drop when trip volume is low.
• Pay-how-you-drive: Safer behaviour earns better rates.

Why Fleet Managers Love It

Fairer Pricing

Stop paying for idle vehicles. With adaptive insurance, downtime equals lower premiums. Cachet’s platform has a unique trip verification technology that ties coverage directly to rides in progress. Combined with a data model, built on real-world usage over 6 years that is back tested on actual claims data unique to shared mobility. The resulting scoring rewards good driving with fairer rates.

Flexible Scaling

Fleets aren’t static. Adaptive insurance lets you add or remove vehicles instantly.  No time intensive renegotiations, just a simple process of asset upload, policy calculation, coverage distribution and asset deployment.  Coverage that scales with your demand.

Safer Drivers, Stronger Teams

Excellent drivers don’t just save you on repairs, they can lower your premiums too. Cachet uses driver verification technology to reward safe behavior, helping you recruit, reward and retain top talent.

One Digital Hub

All your policies are administered from a single cloud-based hub and stored in a secured unified digital wallet. Monthly payments. Timely premium adjustments.  Claims visibility enhanced  from start to finish.

Quicker Claims, Smarter Insights

Cachet’s AI-driven claims control centre turns your accidents data into operational advice you can count on. The control centre dashboards show where risks are building up, how your lost ratio is evolving and layers on suggestions to help you act before your insurance premiums spike.

How Cachet Makes It Work

Always Learning, Always Adapting

Cachet’s cloud-based platform updates continuously. The more data it gathers, the more precise your pricing becomes. Not only that but through our Claims Control Center you can turn from reactive to proactive in your risk management. Trends in claims become more visible and action becomes more viable with AI powered risk mitigation recommendations.

Tailored for Shared Mobility

Generic auto insurance doesn’t cut it. Cachet partners with insurers like HDI to build coverage for ride-hailing, car-sharing, and delivery fleets. In Germany, Bolt Drive already uses Cachet’s adaptive insurance to keep costs aligned with usage. The partnership and power of adaptive insurance has been so successful that Cachet now covers every single European market Bolt has expanded this car sharing service to.

Easy to Use

Through the Cachet Mobility portal, you can quote, adjust, and manage policies in a few clicks. One dashboard, unified billing, no paperwork.

Proven in the Real World

Across Europe, thousands of drivers and vehicles already run on Cachet. Bolt Drive described it best: with Cachet, they “unlocked an insurance model that adapts to our needs.”

FAQs

1. How is adaptive insurance different from traditional?
   Traditional sets fixed premiums. Adaptive uses data model based scoring and trip verification technology  to flex with real usage.
2. What savings are possible?
   Fleets often see double-digit percentage reductions. Idle time and safe driving equal lower costs.
3. Does it work for all fleets?
   Yes. From ride-hailing to delivery to car-sharing.
4. Can I track my claims data?
   Cachet’s digital native insurance management system gives you a powerful overview of the claims flow. Our API connects directly with your insurer and turns historic data into trends and insights whilst letting you follow specific case resolutions in real time.

The Smarter Future of Fleet Insurance

Adaptive insurance is built for the way modern fleets operate. Fairer pricing, flexible scaling, safer teams, and faster claims – all powered by data and enriched by AI.

Cachet delivers it today.

Ready to see what adaptive insurance can do for your fleet? Book a demo and start saving smarter.