The protection gap
Indonesia has around 140 million motorbike riders, approximately 30 million of whom use their bikes commercially each day. Fewer than 5% have formal accident or income protection.
- Conventional annual policies are often too rigid or expensive for workers whose earnings are generated day by day.
- The product needed to fit an existing behaviour rather than ask riders to adopt a separate insurance journey.
The embedded solution
Income protection was included in the battery-swap cost, creating a one-day policy for the following day without an additional charge to the rider.
- Each qualifying battery-swap payment triggers D+1 cover and returns a policy number in seconds.
- The rider receives a fixed IDR 150,000 daily benefit, up to IDR 4.5 million, with no waiting period.
- Coverage and certificates are visible inside the platform’s existing app.
A connected four-party ecosystem
The model connects distribution, technology, insurance intermediation and risk capacity while preserving clear responsibilities.
- The mobility platform owns the rider relationship, app experience and transaction journey.
- Gangkhar and Sherpa+ orchestrate APIs, policy administration, certificates, claims workflow and the in-app insurance experience.
- Authorised brokerage and insurance partners provide placement, capacity, regulatory alignment and claims handling.
Claims designed for the rider
A five-step in-app flow keeps evidence requirements proportionate and gives operations the information required for controlled assessment.
- Riders submit a medical certificate, a motorbike photo and an injury photo; no police report or expense invoices are required.
- Data extraction and inconsistency flags support manual review, with assessment designed for completion within five working days.
Launch and early adoption
The technical build reached production in about six weeks and issued 18,295 policies during its first five weeks.
- Structured hypercare, a dedicated WhatsApp channel and weekly cross-partner governance supported the launch.
- The result demonstrates how protection can be attached to a frequent transaction without adding friction to the core customer journey.