Press kit

What Is the EU Data Act?

The European Union’s Data Act came into force in September 2025 and it is set to transform the use of data generated by connected products, including vehicles. A major leap forward in European regulation, but what does it mean for risk management in shared mobility? 

The regulation is designed to ensure a better transfer and control of data between the manufacturer and the user.  When it comes to vehicles, the new rules will unlock an immense amount of data that was previously siloed. Opening up innovation and competition in the aftermarket and data services sectors. 

In the shared mobility space major players and local leaders alike will have to update their operations.

Is Shared Mobility Risk Management Impacted by the EU Data Act?

To make the most of the Data Act, fleets will have to embrace radical data transparency. That means embracing a fairer, more open approach to how you treat the data your assets and drivers generate. 

Now,you have the legal option of accessing various data related to consumption, usage, speed, or maintenance intervals. All you need to do is set up simple processes to facilitate this access in a secure, machine-readable format.

Better yet, the new rules mean you can request data from manufacturers in order to help you manage your risk and operations. For example, if you are looking to assess the true condition and risk profile of a vehicle for internal purposes or for an insurance renewal, you now have the legal right to ask the manufacturer to provide that vehicle’s detailed data to you.

The EU Data Act allows fleet operators across shared mobility to own and use vehicle data like never before. But how do you adapt your set-up to take advantage of this opportunity? That’s where the right tools, technology and partners come in. 

How to Benefit From the EU Data Act

So, you have standardised data across your shared mobility entire fleet And now you are drowning in it, with no clear system to distinguish the signals from the noise. Your risk management set-up just is not designed to ingest such data.

At Cachet, we know all about building the right system to turn raw information and insights you can act on. By leveraging this new accessible data, we provide you with the tools to visualise and manage this data in order to reduce your premiums.

Cachet Mobility allows you to transform your new data rights into a competitive advantage in management of your fleet. Resulting in direct insurance savings you can count on. 

Our software solution allows you to connect all the data generated by your shared mobility fleet directly and manage it directly on the platform. You can connect your insurance policies directly to the software in order to manage claims and renew policies. 

The advantage is that you get a fleet score, a visualisation of risks and the ability to manage your insurance policies in real time based on your fleet. 

We turn your new data streams into an adaptive insurance solution that takes into account the reality of your shared mobility fleet. This precision not only ensures fair pricing, but also actively rewards your improvements in efficiency and safety.

Putting Your Enhanced Data Capabilities To Use

The Data Act marks a radical change in the way risk management for shared mobility is working. By aligning your data process, your shared mobility business secures two fundamental benefits: financial savings and operational superiority.

Your new data stream integrated on Cachet software turns an administrative requirement into a financial advantage. This data process reduces your amount of premiums thanks to adaptive insurance.

The insurance costs of your shared mobility fleet are no longer fixed, but are now adapted to the technical and operational realities of your fleet. This new data also change your fleet maintenance and risk management. Switching to predictive schedules significantly reduces unexpected and costly downtime. 

Beyond cost savings, you can make more informed decisions for your shared mobility fleet. With this new data stream you gain clarity on risk patterns, vehicle conditions, and operational challenges.

This unified data allows you to streamline your logistics, optimise driver performance and make accurate investment decisions. You move from simply reacting to your shared mobility fleet’s problems to proactively managing its future.

The European Data Act paves the way for a more open, smarter way to use and share data. You have now all the bases to turn this regulation into a competitive advantage. At Cachet, we’ve built our platform specifically to help shared mobility operators turn data compliance into competitive advantage, delivering both measurable savings and operational superiority. 

What SaaS is Right for Risk Management? 

Shared mobility operators are confronted everyday with new SaaS products promising to optimise their operations. 

From event-based insurance triggers to real-time risk scoring. When facing increasing consolidation, the promise of a new competitive advantage is one to take seriously. 

But how do you differentiate what is hype from what is helpful to your shared mobility business? 

How Manual Data Slow Your Operations Down 

In the fast-moving mobility market, yesterday’s data can drive today’s decisions in catastrophic ways.

Take a car-sharing platform re-fleeting 50 vehicles. Usually manually updating insurance policies, across fleet management systems and financial reporting tools separately. 

However, this creates a lag time where coverage doesn’t match reality. If accidents happen, the cost of coverage delay can be astronomical. 

Managing insurance policies manually means tracking each vehicle’s coverage status, processing every fleet change, and reconciling policies across disconnected systems.

In manual operations mistakes are inevitable: vehicles insured after de-fleeting, coverage gaps during re-fleeting, policy details mismatched across systems.

Whether your business operates bike fleets, cars or e-scooter, a lack of real-time data connections on any side will leave you lying blind at times on your largest cost center.

What exactly is an APIs?

API stands for Application Programming Interface. Basically, it’s a formal agreement, a “service contract,” between two pieces of software. 

The “Application” is just any program – an app, a server, a database – doing something, and the “Interface” is the rule-book that spells out how they talk to each other.

This contract sets the ground rules for communication, like specifying the exact format for requests and responses, which keeps everything playing nicely together in real time. 

One program just needs to know how to use the interface; it doesn’t need to peek under the hood of the other one. Making data flows seamless and modular.

How can APIs be used in Insurance?

We have seen how manual work multiplies error risk and eats into operational time when it comes to insurance. But how exactly can an API be used to prevent this? 

With the right partner, API adoption can resolve situations like under-coverage. With a seamless link between your current vehicle list, and usage data making real-time insurance distribution possible.  

Outdated policies and under coverage situations curb your business growth In a market where insurance is the second biggest line item on a P&L, real-time data flows enable adaptive insurance that creates clear competitive advantages.  

Operators with connected data infrastructure are building sustainable competitive advantages while manual operators are locked in costly operational bottlenecks.

What set-up do I need for API insurance?

Cachet offers a fleet management solution where you can manage your fleet vehicles, create claims, get insured and much more.

Within Cache Mobility, an API integration can connect your insurance policies to your asset data automatically.  Giving you access to adaptive insurance as and when it is needed.

The enhanced connection, provided by Cachet, between insurance and your fleet data, drastically reduces the risk due to manual work.  

By automatically synchronising your fleet data and insurance policies in real-time. The API works as a bridge making real-time connection. 

This connection is also possible with your underwriter. Bringing key insurance information into your fleet management solution. Faster data flows via API you can get a better overview of the claim trends within your fleet. 

See directly within the Claims Control Center the spread of claims across your asset, dive into their status and explore other data from your insurer in one single place. 

Getting Started With API Insurance

While API-based insurance might sound complex, the implementation is straightforward and designed to integrate seamlessly with your existing operations.

As you get set up with Cachet, our technicians will then talk your team through establishing the Cachet Mobility API. This will provide everything you need to manage your fleet insurance programmatically; add vehicles through simple REST endpoints, track rides automatically, and generate insurance offers with a few API calls. 

Your fleet data flows directly to our insurance partners, enabling real-time policy management and usage-based pricing.

Once integrated, adding or removing vehicles from coverage happens instantly through the API. Claims, policies, and documents are all accessible through the same unified interface. 

What used to require manual paperwork and waiting periods now happens programmatically in seconds.

Scaling your fleet has never been easier than with Cachet.