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Our story

Our story

Data does insurance

good

We stand for fair insurance for cars and drivers. And bikes, scooters, and riders. Especially when they’re in the gig economy (a.k.a. the platform/sharing economy).
Traditional insurance doesn’t really fit couriers, delivery drivers, or app taxis.
Gig workers’ circumstances vary wildly: schedules, mileage, driving habits. They need insurance that’s smart, fair, flexible, and truly personal.
Our technology aggregates and analyses data to find personal patterns of behaviour.
This creates a Cachet Score that delivers a quick and fair insurance rate. One that reflects real vehicle use and rewards good habits.
Our technology and the Cachet Score aren’t limited to insurance.
One day, they may help users get a fair smart bank loan. And other things, depending on how and where people of the gig want their data to be used.

Features, Awards & Support

Europas logo
The Europas 100
2024
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We are proud to be ranked amongst the hottest 100 start-ups in 2024. The Europas 100 is a prestigious list that recognises the most innovative and high-growth startups in Europe.

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Top FinTechs of
the Year 2024
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Honored as the runner-up in the Fintech category at the Estonian Startup Awards in 2024. A recognition of the remarkable growth and European scaling efforts.

DIA TOP 100 logo

Selected for DIA Top 100 InsurTechs 2019

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Recognized among the top 100 Insurtech innovators globally by Digital Insurance Agenda (DIA).

Baltic Startup Scene

Hidden Treasure in Extended FinTech category

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Acknowledged as a standout fintech company with disruptive potential.

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Baltic Fintech Startups 
to Watch in 2020

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Named as one of the most promising fintech startups in the Baltics.

Techstars

Techstars Barclays London Accelerator 2020

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Selected for the prestigious accelerator program supporting high-potential fintech startups.

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Early Metrics 
2020

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Rated by Early Metrics as a promising and high-growth fintech company.

Plug and play insurtech

Plug And Play Insurtech Finalist 2021

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Recognized as a finalist in Plug and Play’s leading Insurtech innovation program.

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Insurtech 100

2021
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Included in the global InsurTech 100 list of the most innovative insurance technology companies.

Member of MyData Global icon

Member of 
MyData Global

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Supporting ethical data use and personal data empowerment as part of the MyData movement.

Eis
Real-Time Economy Solutions Pilot
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The goal of the project is to develop a data structure that supports the company’s growth and enables the further development of data-driven products in the coming years. Several processes will be automated during the project, significantly increasing operational efficiency. To enhance customer satisfaction and support real-time economy practices, e-invoices will be implemented, and a solution will be created to receive machine-readable data from clients.


Project Implementation Period
01.12.2024 – 30.09.2025


Grant Amount
€90,973

Real-Time Economy Solutions Pilot

Project Objective

The goal of the project is to develop a data structure that supports the company’s growth and enables the further development of data-driven products in the coming years. Several processes will be automated during the project, significantly increasing operational efficiency. To enhance customer satisfaction and support real-time economy practices, e-invoices will be implemented, and a solution will be created to receive machine-readable data from clients.

Project Implementation Period

01.12.2024 – 30.09.2025

Grant Amount

€90,973

Enterprise estonia

Founders,

Keepers
In 2018, Hedi Mardisoo and Kalle Palling were puzzled. The sharing economy was shaking up the world of work. Every industry was being personalised. But insurers didn’t seem to get the memo. By September that year, Cachet was in motion.

One more thing. Fair insurance rates are great for gig workers. Progressive insurers now get and respect them. But it gets better. With each new customer with a Cachet Score, there’s less inequity and more trust and loyalty in the gig economy itself. We think it’s the only way the future of work can live up to its promise.
But what about people with regular jobs? Exactly. We’re working on making fair and data-driven insurance accessible to everyone. It’ll happen. And it’ll be a very good day.

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Our team is excited to help your fleet business thrive.