How Cachet Enabled Arval With Embedded Insurance Custom Build Couriers

Working 9-to-5 is no longer the only way to make a living. The rise of digital platforms, offering gig-based work at the touch of a button, has reshaped what work looks like. Flexibility is at the centre of people’s priorities, as they choose solutions that fit their lifestyle.

The rise of gig work touches every job field; the courier industry is no exception. Here, people are now choosing the time, type and place of work that suits them.

To keep up, the likes of Arval need to team up with experts in the platform economy to refine their products to suit new work habits.

In the leasing industry, Arval has become the leader in new mobility solutions for companies. Their core business is to offer a turnkey solution for companies to support their employee mobility without the fleet management complications.

Following the emergence of gig platforms, Arval looked to expand their leasing solutions to gig workers. To empower individual courier workers with easy access to mobility solutions fit for last-mile delivery.

Individual insurance is not obligated for gig workers using the type of bikes Arval would be leasing. So, to keep their fleet protected, Arval required an embedded solution to package usage and coverage into a single agreement.

That meant finding an adaptive insurance solution that could activate at the point of leasing. A radically different solution to the group level leasing agreement Arval usually developed when leasing mobility solutions to corporate clients for their employees.

To deliver a tailored solution that ensures workers’ safety, Arval needed a partner that fully embraced the platform economy model. That’s where Cachet came in…

In 2024, Arval and Cachet launched an embedded insurance solution designed specifically for the dynamics of courier gig work. The product integrates coverage directly into Arval’s bike leasing contracts across Poland, eliminating traditional insurance friction for last-mile delivery workers.

Cachet developed a group insurance framework that embeds seamlessly into Arval’s existing leasing infrastructure. The solution enables distribution at scale while maintaining simplicity at the point of activation.

Couriers can activate their coverage in minutes during the leasing contract signing process—no additional paperwork, no lengthy applications, no complications that typically slow down insurance adoption.

This embedded approach represents a fundamental shift in how insurance is delivered to platform workers. Rather than treating insurance as a separate purchase decision, Arval packages protection directly into the leasing agreement, ensuring comprehensive coverage while reducing administrative overhead for both the platform and the worker.

Arval’s pivot towards the platform economy gig workers needed an insurance partner built for flexibility and simplicity. That bridges the divide between insurance and the platform economy in a way that keeps their assets safe as uptake scales.

Thanks to their partnership with Cachet, Arval’s courier customers now get instant access to flexible insurance coverage designed specifically for the realities of gig work. Embedded right at the point of leasing.

Workers using Arval’s leased bikes can activate insurance coverage with just a few clicks. No administrative burden, no time wasted searching for suitable coverage, no confusion about what’s protected. Insurance becomes invisible infrastructure that simply works in the background.

As platform work continues evolving, insurance needs to keep workers protected and platforms viable while supporting the fundamental promise of flexibility that makes gig work attractive.