Mobility platforms operate across changing drivers, assets, routes, durations and jurisdictions. Static annual products rarely fit the commercial or operational reality.
Digital platforms · Mobility
Protection that moves with every trip, driver and transaction.
Gangkhar enables ridesharing, rental, fleet and micromobility platforms to activate protection exactly when an asset, driver or passenger enters a risk-bearing journey.
Ridesharing platforms
Car rental and car-sharing
Micromobility operators
Fleet management platforms
Vehicle subscription businesses
Connected mobility ecosystems
The context
Mobility risk is dynamic. Protection should be too.
Gangkhar makes protection contextual and usage-aware while coordinating the insurance operation behind the experience.
The challenge
Align coverage with changing mobility exposure.
Coverage disconnected from actual vehicle usage
Manual driver and asset onboarding
Claims processes outside the platform
Variable exposure across trips and territories
High support burden after incidents
Complex expansion into new jurisdictions
The journey
Protection from driver onboarding to incident response.
Driver onboarding
Validate eligibility and activate the appropriate protection before work begins.
Trip activation
Attach coverage to the trip, rental, session or period of use.
Incident response
Initiate FNOL and route supporting data directly from the mobility experience.
Fleet optimisation
Use behaviour, frequency and loss signals to refine programme economics.
Coverage opportunities
Products shaped around the real risk context.
Illustrative product opportunities are configured with the authorised insurer, MGA or capacity provider for each market.
Trip-based accident cover
Driver and passenger protection
Vehicle damage and liability
Rental excess protection
Device and equipment protection
Roadside and assistance benefits
How Gangkhar solves it
Three connected layers. One governed operation.
Product intelligence, agentic execution and live optimisation work on the same infrastructure rather than as disconnected tools.
Sherpa+
Configures usage-based products and coordinates quoting, issuance, policy servicing, claims, payments and compliance.
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Sherpa+Mesh
Runs driver onboarding, policy changes, FNOL and claims workflows with governed escalation for exceptions.
Explore Sherpa+Mesh
Sherpa+Lens
Optimises pricing and eligibility using trip, asset, driver and portfolio signals within approved underwriting boundaries.
Explore Sherpa+LensOperating model
Clear roles. Configurable controls. Full traceability.
Coverage follows the relevant trip, session, asset or driver.
The mobility platform keeps the user relationship and interface.
Capacity, policy and claims workflows are coordinated behind one integration.
Market-specific rules remain governed and configurable.
Business impact
Make protection part of every relevant journey.
For the mobility platform
- Protection aligned to real usage
- Lower operational and legal exposure
- Predictable insurance economics
- Faster geographic expansion
- Stronger driver and customer trust
- Potential revenue per protected journey
For drivers and passengers
- Clear protection while active
- Frictionless activation
- Faster incident handling
- Greater confidence in the platform
Live deployment
Embedded protection operating at mobility speed.
A two-wheeler mobility platform in Southeast Asia launched through Gangkhar in approximately six weeks from technical kickoff and issued more than 18,000 policies during its first five weeks.
18,295policies in five weeks
<2 secpolicy issuance
99.9%support availability
FAQ
Questions about this Use Case.
Can protection be activated per trip?
Yes. Coverage can be attached to a trip, session, rental, driver status or another approved usage signal.
Does Gangkhar support fleets as well as individual drivers?
Yes. Programmes can be designed around fleet, asset, driver, passenger or transaction-level exposure.
How are incidents reported?
FNOL can begin inside the platform journey, with available trip, vehicle and user information routed into governed claims workflows.
Can pricing change with usage?
Pricing and eligibility can use approved real-time or aggregated signals while respecting the carrier or capacity provider rules.
Terms used on this page
- FNOL
- First Notice of Loss: the first notification that a loss or claim has occurred.
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