Frequently Asked Questions.
Answered.

Traditional insurance prices from the past. It looks at historical data, puts you in a bracket, and charges accordingly. Whether your assets are active or idle, the premium stays fixed. Adaptive insurance works from what's actually happening now. Coverage and pricing adjust based on real usage and real risk. You pay for what you use. You're covered for what you're actually doing.

Work and commerce organised through digital platforms: ride-hailing, food delivery, car-sharing, courier networks, gig marketplaces. It's a fast-moving, flexible ecosystem. Workers have irregular schedules, move between platforms, and operate across vehicle types. Traditional insurance wasn't designed for that kind of variability. Cachet was.

Cachet sits between you and the insurance market. But unlike a standard broker, we don’t just place a policy and step back. We aggregate data across platforms to build an accurate picture of real-world risk, use that to secure better terms from our insurer network, and give you a single point of contact across all your coverage. Smarter insurance, less admin.

For platform operators and businesses, book a consultation and the team will come back with a tailored proposal. Once terms are agreed, onboarding begins. Coverage is then live and managed through the Cachet platform. For individual drivers, you can get a quote directly at private.cachet.me.