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Average Cachet customer savings on ride-hailing insurance, compared to premiums elsewhere.
Current Cachet users, based on the customer satisfaction score.
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Adaptive Insurance: Smarter, Fairer, Built for Fleets
Traditional fleet insurance is rigid. Fixed premiums mean you pay the same whether vehicles are on the road or parked for days. That’s wasted spend. Add piles of paperwork and slow claims, and it becomes a drag on your business.
Adaptive insurance flips the model. It bends to how your fleet actually runs.
- Fairer pricing
- Faster management
- Fewer headaches
What Adaptive Insurance Means
Adaptive insurance is usage-based coverage that reacts to how, when, and how much your vehicles are driven. Think of it as insurance that listens to your users.
- Pay-as-you-drive: Costs drop when trip volume is low.
- Pay-how-you-drive: Safer behaviour earns better rates.
Why Fleet Managers Love It
Fairer Pricing
Stop paying for idle vehicles. With adaptive insurance, downtime equals lower premiums. Cachet’s platform has a unique trip verification technology that ties coverage directly to rides in progress. Combined with a data model, built on real-world usage over 6 years that is back tested on actual claims data unique to shared mobility. The resulting scoring rewards good driving with fairer rates.
Flexible Scaling
Fleets aren’t static. Adaptive insurance lets you add or remove vehicles instantly. No time intensive renegotiations, just a simple process of asset upload, policy calculation, coverage distribution and asset deployment. Coverage that scales with your demand.
Safer Drivers, Stronger Teams
Excellent drivers don’t just save you on repairs, they can lower your premiums too. Cachet uses driver verification technology to reward safe behavior, helping you recruit, reward and retain top talent.
One Digital Hub
All your policies are administered from a single cloud-based hub and stored in a secured unified digital wallet. Monthly payments. Timely premium adjustments. Claims visibility enhanced from start to finish.
Quicker Claims, Smarter Insights
Cachet’s AI-driven claims control centre turns your accidents data into operational advice you can count on. The control centre dashboards show where risks are building up, how your lost ratio is evolving and layers on suggestions to help you act before your insurance premiums spike.
How Cachet Makes It Work
Always Learning, Always Adapting
Cachet’s cloud-based platform updates continuously. The more data it gathers, the more precise your pricing becomes. Not only that but through our Claims Control Center you can turn from reactive to proactive in your risk management. Trends in claims become more visible and action becomes more viable with AI powered risk mitigation recommendations.
Tailored for Shared Mobility
Generic auto insurance doesn’t cut it. Cachet partners with insurers like HDI to build coverage for ride-hailing, car-sharing, and delivery fleets. In Germany, Bolt Drive already uses Cachet’s adaptive insurance to keep costs aligned with usage. The partnership and power of adaptive insurance has been so successful that Cachet now covers every single European market Bolt has expanded this car sharing service to.
Easy to Use
Through the Cachet Mobility portal, you can quote, adjust, and manage policies in a few clicks. One dashboard, unified billing, no paperwork.
Proven in the Real World
Across Europe, thousands of drivers and vehicles already run on Cachet. Bolt Drive described it best: with Cachet, they “unlocked an insurance model that adapts to our needs.”
FAQs
- How is adaptive insurance different from traditional?
Traditional sets fixed premiums. Adaptive uses data model based scoring and trip verification technology to flex with real usage. - What savings are possible?
Fleets often see double-digit percentage reductions. Idle time and safe driving equal lower costs. - Does it work for all fleets?
Yes. From ride-hailing to delivery to car-sharing. - Can I track my claims data?
Cachet’s digital native insurance management system gives you a powerful overview of the claims flow. Our API connects directly with your insurer and turns historic data into trends and insights whilst letting you follow specific case resolutions in real time.
The Smarter Future of Fleet Insurance
Adaptive insurance is built for the way modern fleets operate. Fairer pricing, flexible scaling, safer teams, and faster claims – all powered by data and enriched by AI.
Cachet delivers it today.
Ready to see what adaptive insurance can do for your fleet? Book a demo and start saving smarter.
The New Reality of Risk Management in Shared Mobility
Ride-hailing, car-sharing, and micromobility are transforming urban transport. Growth in shared mobility fleets is rapid, but are the risks higher?
Unpredictable usage and multiple drivers confuse traditional insurers. Leading to myths that result in rising insurance costs.
As a fleet manager, you need coverage that adapts as quickly as your business. Built on data and sector expertise, not guess work.
The Risks You’re Fleet Is Up Against
Shared mobility fleets face challenges traditional insurance can’t handle:
- Unpredictable usage: Long idle periods followed by peak surges.
- Multi-driver exposure: Each driver brings different risk profiles.
- Ambiguous liability: Who’s responsible off-trip vs. on-trip?
- Fraudulent claims: Easier to miss without solid data.
- Regulatory pressures: Tougher compliance across cities.
A lack of understanding in any of these factors will result in higher costs, slower claims, and tighter margins for shared mobility fleets
Why Traditional Insurance Falls Short
One-size-fits-all policies don’t reflect real operations in the platform economy. Fixed premiums punish downtime. Admin relating to claims is heavy, and flexibility with payment terms is nonexistent. Shared mobility needs a smarter model.
Cachet’s Smarter Approach
Cachet’s insurance solutions combine data models, built on real-world usage that back tested on actual claims data, unique to shared mobility with AI enhanced proactive risk control technology.
This replaces guesswork with a validated logic insurers can trust. The result is adaptive insurance that lowers premiums and increases trust in the platform economy.
Adaptive Insurance for Shared Mobility
Pay for actual usage and risk. Safe driving and fewer claims lead to lower costs. Asset not on the road? Insurance adjusts as a result. High season with plenty of trips coming in? Be sure every ride has the coverage it needs, automatically distributed as needed with our trip validation technology.
Enhanced Claims Control for Risk Management
Digital claims management speeds up resolution and cuts downtime. Our AI powered risk control not only flags trends in claims as they emerge but empowers you with customised recommendations to take action and bring down your risk profile before your insurance costs spike.
Unified Policy Distribution Set to Scale
In Cachet Mobility all policies are stored in a single digital wallet. Not only that but you can add or remove vehicles instantly. No time intensive renegotiations, just a simple process of asset upload, policy calculation, distribution and deployment. Together with unified monthly billing you end up seamless paper-free control as you scale up your operations.
Benefits for Shared Mobility Fleets
With Cachet Mobility you get:
- Lower premiums costs: Pay only for real usage.
- Smoother claims resolution : Vehicles back on the road quicker.
- Safer fleets overall: Incentives reduce accidents.
- Regulatory compliance: Transparent data supports audits.
- Efficiency in insurance: Automation and dashboards save hours.
Proof in Action
Across Europe, Cachet is enabling shared mobility fleets to embrace smarter risk management. In Germany, Bolt Drive partnered with Cachet and HDI to build adaptive coverage that flexes with their demand – reducing costs and improving safety.
Turn Risk into Advantage
Shared mobility brings a lot of assumptions about risk. Cachet’s expertise helps you transform them into opportunities with insurance that adapts, scales, and rewards safe driving. Ready to make risk management work for you? Book a demo and see how Cachet builds safer, smarter fleets.
Can you share a bit about your journey before joining Cachet?
For the past 10 years, I’ve been generating demand for solutions that make life easier, fairer, and better. I’ve led marketing and communications across a range of sectors and stages.
It hasn’t been a typical path! I helped scale a UK FinTech to 800,000 users and an eight-figure exit. I multiplied revenue 3x for a CivicTech platform active in 11 European countries. I also helped shape global media strategy for CHANEL, working on campaigns across international markets.
What has shaped your approach to marketing?
Good question! Honestly, I’d say the journey itself. Every case added something. Different markets, different messages, different growth-stage challenges. I’ve had to lead with brand, with performance, with partnerships—whatever the context called for.
Steve Jobs said creativity is just connecting things. That most people offer linear solutions because they draw from a narrow set of experiences. I’ve made a point of collecting more dots.
Now I bring those dots into every challenge. They help me see angles others miss and build strategies that fit the moment. That’s what start-ups like Cachet need to scale smart and punch above our weight.
What drew you to Cachet?
It was the clarity of the problem. Insurance hasn’t caught up with how people earn and move today. That’s true whether you’re a gig worker juggling platforms or a scooter company managing rider risk across borders.
Cachet is tackling that with a clear, scalable model. I saw a chance to build in a meaningful space, where the need is growing and the competition isn’t solving it well. That mix of mission and opportunity is what pulled me in.
How do you see Cachet’s role in shaping the future of this space?
We’re building infrastructure for trust in platform-based economies. Adaptive coverage, predictive risk insight, and bring insurers into the sector with confidence.
That’s how I see our role: the bridge between two worlds. We help platforms scale more safely and sustainably through insurance enablement.
What are some of the biggest challenges in marketing a company like Cachet?
We’re in a space people don’t think much about—until it’s too late. So the challenge is helping platforms see risk early, and showing how our approach helps them prevent problems before they happen.
It’s also a complex category. We’re not just InsurTech. We sit at the intersection of insurance, mobility, and platform work. That means our messaging has to work across different audiences, business models, and levels of understanding.
And then there’s trust. A lot of platforms have been burned by generic products or overpromising startups! So our marketing has to convey depth and establish relevance. Proving we understand the platform space and the risks they face. Inspiring a sense that we’re building for their success over the long term.
What’s one thing about working at Cachet that has surprised you so far?
The dogs! I’ve never worked in an office where I’m greeted by a different dog almost every day. A lot of the team are dog owners, and being able to bring them in really lifts the atmosphere.
Beyond that, it’s exactly the kind of place I was hoping for. It’s energetic, cross-functional, and genuinely collaborative.
What’s one thing you’re proud to have achieved in your first year?
More than one, to be honest. It’s been a big year!
We expanded into new markets, including Germany and Belgium, either launching or marketing new verticals. We secured major partnerships, including Taskrabbit and Bolt Rewards. Both bring Cachet-enabled benefits to platform workers where it matters—right inside the services they already use.
And our work has been recognised too. Cachet made the Europas Top 100, placed second in the FinTech of the Year category at the Estonian Startup Awards, and was just named one of the 50 awardees in the European Startup Prize for Mobility.
All of it validates the mission that brought me here. It shows we’re delivering on the shift to sustainable mobility and flexible work. And that we’re making life easier, safer, and fairer for platforms—and for the people behind them.
If you could describe the future of Cachet in three words, what would they be?
Three words to describe Cachet’s future? Trusted. Transformative. Essential.
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