How your fleet usage data can impact your insurance cost

How Insurance Works in Shared Mobility 

Traditionally insurance has operated on a one-size-fits-all model, even in the dynamic world of shared mobility. Premiums have been calculated using general statistics data without considering fleet or asset-specific usage behaviour.

Insurers have traditionally depended on aggregated statistics based on vehicle type, often failing to distinguish between a well-kept shared vehicle and a poorly maintained private car with a high-risk individual owner.  

Align Insurance Costs to Actual Risk 

For fleet operators and shared mobility platforms, this creates a clear problem: rigid policies that don’t reflect actual usage patterns. 

Your fleet might have lower accident rates or better maintenance protocols, but these factors often aren’t captured in traditional premium calculations.

The result is often inflated costs out of step with your true level of risk.   The gap between insurers’ understanding of mobility platforms and actual fleet operations results in a “platform premium.” You pay for irrelevant risk profiles without financial benefit for safety investments.

Cachet was built to bridge this gap. To end the dive between the worlds of insurance and the platform economy.  A mission only made possible by a stack of technology that leverages smart data for better outcomes.

Cachet Is De-Risking Platform Economy 

Our technology will turn your driver or fleet usage data into something insurers can understand. Through dynamic scoring Cachet enables fairer, usage-based insurance that responds to your actual fleet dynamics. 

In this case, think of Cachet as the translation layer between the complex data your fleet generates and the pricing models insurers use. Adaptive insurance, based on accurate risk assessment, is now possible and practical. This builds insurer trust in the platform economy and lowers cost burdens, facilitating platform business expansion.

How Cachet Turns Insurance Into Your Advantage  

Instead of waiting years to see premium adjustments, your insurance can become a competitive advantage that evolves with your operations. Rewarding good performance when it happens.

With Cachet Mobility your insurance can adapt to real-world usage and your work on risk management can be rewarded. It is designed to help share mobility platforms manage their insurance smarter. 

Integrated tools for asset management, usage tracking, and claims handling offer operators control over insurance costs beyond traditional carriers. Dynamically adjusted premiums mean platforms pay only for what they use.

The result is simpler fleet management: all operational data is centralised, easily accessible, and transformed into a real financial advantage.

Why Adaptive Insurance Keeps You In Control 

By turning fleet data into a competitive advantage, Cachet transforms insurance from a fixed cost into a flexible tool.

The platform-specific scoring reveals your true risk level to insurers, while the Cachet Mobility platform offers tools to predict and prevent risk. Operators promoting safe driving and efficient fleet practices are rewarded with fairer, more controllable premiums.

The result is a fundamentally different relationship with insurance. Rather than viewing premiums as an unavoidable expense, you gain a performance metric that reflects your operational discipline. 

This is how adaptive insurance can become the starting point of your fleet growth, an investment in safety infrastructure that benefits your operations as a whole.