How The EU Data Act Impacts Your Shared Mobility Insurance Set-Up

What Is the EU Data Act?

The European Union’s Data Act came into force in September 2025 and it is set to transform the use of data generated by connected products, including vehicles. A major leap forward in European regulation, but what does it mean for risk management in shared mobility? 

The regulation is designed to ensure a better transfer and control of data between the manufacturer and the user.  When it comes to vehicles, the new rules will unlock an immense amount of data that was previously siloed. Opening up innovation and competition in the aftermarket and data services sectors. 

In the shared mobility space major players and local leaders alike will have to update their operations.

Is Shared Mobility Risk Management Impacted by the EU Data Act?

To make the most of the Data Act, fleets will have to embrace radical data transparency. That means embracing a fairer, more open approach to how you treat the data your assets and drivers generate. 

Now,you have the legal option of accessing various data related to consumption, usage, speed, or maintenance intervals. All you need to do is set up simple processes to facilitate this access in a secure, machine-readable format.

Better yet, the new rules mean you can request data from manufacturers in order to help you manage your risk and operations. For example, if you are looking to assess the true condition and risk profile of a vehicle for internal purposes or for an insurance renewal, you now have the legal right to ask the manufacturer to provide that vehicle’s detailed data to you.

The EU Data Act allows fleet operators across shared mobility to own and use vehicle data like never before. But how do you adapt your set-up to take advantage of this opportunity? That’s where the right tools, technology and partners come in. 

How to Benefit From the EU Data Act

So, you have standardised data across your shared mobility entire fleet And now you are drowning in it, with no clear system to distinguish the signals from the noise. Your risk management set-up just is not designed to ingest such data.

At Cachet, we know all about building the right system to turn raw information and insights you can act on. By leveraging this new accessible data, we provide you with the tools to visualise and manage this data in order to reduce your premiums.

Cachet Mobility allows you to transform your new data rights into a competitive advantage in management of your fleet. Resulting in direct insurance savings you can count on. 

Our software solution allows you to connect all the data generated by your shared mobility fleet directly and manage it directly on the platform. You can connect your insurance policies directly to the software in order to manage claims and renew policies. 

The advantage is that you get a fleet score, a visualisation of risks and the ability to manage your insurance policies in real time based on your fleet. 

We turn your new data streams into an adaptive insurance solution that takes into account the reality of your shared mobility fleet. This precision not only ensures fair pricing, but also actively rewards your improvements in efficiency and safety.

Putting Your Enhanced Data Capabilities To Use

The Data Act marks a radical change in the way risk management for shared mobility is working. By aligning your data process, your shared mobility business secures two fundamental benefits: financial savings and operational superiority.

Your new data stream integrated on Cachet software turns an administrative requirement into a financial advantage. This data process reduces your amount of premiums thanks to adaptive insurance.

The insurance costs of your shared mobility fleet are no longer fixed, but are now adapted to the technical and operational realities of your fleet. This new data also change your fleet maintenance and risk management. Switching to predictive schedules significantly reduces unexpected and costly downtime. 

Beyond cost savings, you can make more informed decisions for your shared mobility fleet. With this new data stream you gain clarity on risk patterns, vehicle conditions, and operational challenges.

This unified data allows you to streamline your logistics, optimise driver performance and make accurate investment decisions. You move from simply reacting to your shared mobility fleet’s problems to proactively managing its future.

The European Data Act paves the way for a more open, smarter way to use and share data. You have now all the bases to turn this regulation into a competitive advantage. At Cachet, we’ve built our platform specifically to help shared mobility operators turn data compliance into competitive advantage, delivering both measurable savings and operational superiority.