Control Risk. Prevent Loss.
Adaptive insurance solutions that bring more flexibility, personalisation, and control to digital platforms and their users.
Why choose cachet?
One Insurance Platform
Enabling Risk Control
Whether you operate in micromobility, support gig work, or run car-sharing services, Cachet adapts insurance around your operations. Giving you the insights and control you need to prevent losses ahead of time.
Everything you need to turn insurance into a competitive edge.
Adaptive Insurance
Usage-based insurance focuses on pricing linked to usage. Adaptive insurance builds on that by using technology, analytics, and automation to manage risk continuously. Predicting and preventing negative outcomes at scale.
Across Borders
Cachet is built to scale across borders. One unified platform for running all your insurance programmes, with support on navigating local regulation, market differences, and multi-country complexity. Trusted by digital platforms across 16 countries, from Tallinn to Milan and everywhere in between.
Control Risk
Risk management focuses on identifying and mitigating threats. Cachet’s Risk Control goes further by using data collection, predictive modelling, and behavioral analytics to act preemptively. Spotting risk factors and hotspots before incidents occur.
Prevent Loss
Leave claims management behind. Start actively avoiding them with Cachet's Preventative Toolkit. Personalised recommendations and integrated tools that enable real-time intervention. Changing outcomes before incidents escalate.
Effortlessly Integrated
Whatever your insurance need, Cachet fits right in. Our technology supports everything from policy distribution to localisation, reporting, and claims management — all in one unified system.
Don’t Manage Risk. Control it.
Dynamic Event Forecasts
Ice rain and foggy conditions expected Saturday 8PM to Sunday 4AM.
Reduce your vehicles’ max speed to reduce risk of accidents.
Location & Time Analysis
High traffic volume and peak activity times overlap to sharply increase exposure.
Proactively reroute or slow your vehicles.
Driver Conduct Scoring
A driver ‘s unique behaviour in traffic is tracked and analysed, resulting in a score.
Focus on driver coaching, real-time feedback, and temporary restrictions.
145M+
Trips Covered
50 000+
Tasks Handled
250 000+
Vehicles & People Insured
50+
Platform Partners
with adaptive insurance?
For smart operators
Insurance Adapted to The Platform Lifestyle
We bridge the divide between the platform economy and insurance, using smart data and technology to reduce inequities and build trust.
New Mobility
Start managing your fleet the smart way with real-time risk control and preventative tools. Spot issues before they become incidents, all while handling claims, assets, and drivers in one place.
Gig Work
Tailored insurance solutions that fit modern life. From accident and liability coverage to parental and compassionate leave, we give you tools to help people stay protected.
with adaptive insurance?