Frequently Asked Questions.
Answered.

Based on actual usage and behaviour, not broad population averages. Driving behaviour, shift patterns, claims history, asset type, market, and coverage level all factor in. For business clients, Cachet negotiates terms directly with insurer partners using your operation's actual data.

For operators running well-managed operations, adaptive insurance typically means lower costs. Pricing reflects real behaviour and real usage. Those who operate responsibly are not subsidising higher-risk customers. Behaviour that increases risk is reflected in pricing. It creates a direct link between how you operate and what you pay.

Coverage can be added or removed through the platform as your operation grows or changes. Billing is consolidated monthly across all policies. For gig platforms, coverage activates and deactivates based on active working hours, so costs naturally track actual usage.