Adaptive Insurance
Move beyond usage-based pricing. Embrace adaptive insurance with a solution that builds on that by using technology, analytics, and automation to manage risk continuously.
Smarter. Fairer.
Built For Scale.
Adaptive insurance is a system that adapts premiums dynamically to let you pay only for what you need — no more, no less. Cost is based on fleet size and how often vehicles are used. No more putting up with high premiums driven by inflexible insurance programs that lock you into annual coverage all year round.
Value you get
Flexible Scaling
Vehicles are insured when they are active, not when a policy document says they should be. Letting you add or remove vehicles instantly.
Fairer Pricing
Pricing connects to actual usage patterns rather than broad actuarial assumptions. Reduce cost over time by taking operational actions that lower risk and claims.
One Digital Hub
One single insurance platform that connects fleet data, usage, and policy distribution in a single environment.
How is it made to work
Ongoing Learning & Adapting
Cachet’s platform is in constant change, updating to be better. More data, means more precise pricing becomes.
Rewarding Control Over Risk
Acting on the signals as they emerge will lead to fairer outcomes in your insurance programme. Pricing adapts to your commitment on risk control, not just flexing with usage alone.
Made For Shared Models
Traditional insurance doesn’t work with modern solutions. Cachet is partnering with insurers to offer coverage for ride-hailing, car-sharing, and delivery fleets.
with adaptive insurance?
Frequently Asked Questions
If you need more assistance, contact our help center. Let’s get your issue sorted.
What is adaptive insurance?
Adaptive insurance responds to real-time conditions, not last year's numbers. It takes into account whether an asset is active or idle, the type of work being carried out, and the actual risk exposure involved. Not a flat annual premium that stays the same no matter what.
How does adaptive insurance differ from traditional insurance?
Traditional insurance looks at historical data, puts you in a bracket, and charges accordingly. The premium stays the same whether your assets are active or idle. Adaptive insurance, by contrast, adjust coverage and pricing to reflect what’s actually happening. You pay for what you use, and you’re covered for what you’re doing.
How does adaptive insurance affect cost?
For well-managed operations, adaptive insurance usually costs less. Pricing is based on real behaviour and real usage, so responsible operators aren't covering the cost of higher-risk ones. Riskier behaviour shows up in the price you pay. Your operations and your costs stay directly linked.
Can Cachet offer an embedded insurance solution?
Yes, embedded insurance is one of Cachet's core capabilities. Coverage is built directly into your platform or booking flow, activating with real usage events: a shift starting, a vehicle being checked out, and a delivery being accepted. There's no separate sign-up for the end user, and no extra step outside your existing flow. Insurance simply becomes part of the process, not an add-on next to it.
Does coverage adapt to different usage patterns?
Yes. Rather than charging a flat annual rate regardless of activity, policies are structured around actual usage. This benefits anyone whose activity isn't constant year-round, seasonal operators, part-time workers, and operations with changing demand all get coverage that scales.
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with adaptive insurance?