Trusted by cedants across the Global South

Motor (Fleet & Personal)

Providing high-velocity capacity and data-driven support for the world's fastest-growing vehicle markets.

10.2%
Asia-Pacific Motor CAGR: 40+
Target Emerging Markets: 150+
Jurisdictions with Mandatory TPL: $2.2T+
Global Motor Market Value

Our Approach

A better way to manage underwriting volatility

For primary insurers, motor portfolios are high-volume but margin-sensitive, often plagued by escalating repair costs and fraudulent claims. We provide the quota-share and excess-of-loss capacity required to stabilize loss ratios while introducing advanced analytics to improve risk selection across both commercial fleets and personal lines.

01 Commercial Fleet Management: We specialize in treaties for logistics, e-commerce, and hazardous goods fleets. Our support extends beyond capital, helping cedants integrate driver-behavior analytics to reduce accident frequency.
02 Personal Auto & Two-Wheelers: With vehicle ownership surging in the Global South, we provide the scale needed to back massive retail portfolios, particularly in markets where Third-Party Liability (TPL) is strictly mandated.
03 Electric Vehicle (EV) Specialization: As EVs gain traction, we offer tailored treaty wording that addresses unique risks like battery damage and specialized repair inflation, helping our partners stay ahead of automotive shifts.

Always in the Loop

Intelligence that keeps cedants ahead.

Our partners receive continuous analytical support — turning raw risk data into precise underwriting decisions.

Clustering Analysis for Accurate Pricing: We provide our partners with advanced spatial and behavioral clustering reports. By grouping data by vehicle telematics, driver risk profiles, and hyper-local accident density, we enable high-precision, segment-based technical pricing.
Fraud Detection Analytics: We provide deep-dive reports on regional claim patterns to help our cedants identify and mitigate staged accidents and inflated damage reports before they impact the bottom line.

FAQs

Frequently asked questions

How does Treaty Reinsurance improve capital efficiency?: By offloading high-frequency retail claims and catastrophic "clash" risks (where one event involves multiple insured vehicles), we reduce the capital strain on primary insurers, allowing for aggressive growth in new vehicle sales segments.
What is the typical duration of a treaty arrangement?: Most Motor treaties are structured on an annual basis, often renewing on January 1st or April 1st to align with peak vehicle registration cycles in major emerging markets.
How are claims handled within this Line of Business?: As a reinsurer, we follow the settlements of the primary insurer ("Follow the Fortunes"). For large fleet losses or multi-vehicle incidents, we provide rapid liquidity and technical audit support to ensure transparent claim distribution.
Do you offer tailored wording for specific regulatory zones?: Yes. We specialize in drafting wording that aligns with local mandatory TPL laws and specific regional requirements for Personal Injury Protection (PIP) and "Knock-for-Knock" agreements.
How do you support cedants with technical data?: We provide regular Loss Modelling and ML-based inputs. These reports help our cedants assess loss propensity and identify high-risk zones or time-slots long before the quarterly loss reviews.
Can you assist with "Bonus-Malus" system calibration?: Absolutely. We provide the actuarial backing to refine No-Claims Bonus (NCB) structures, ensuring that the premium discounts offered by our cedants are sustainable and balanced against the treaty's performance.
How is accumulation risk managed for vehicle storage hubs?: We use spatial analytics to monitor the concentration of value in dealer yards and port storage facilities. This allows us to advise cedants on "Catastrophe XL" limits to protect against hailstorms, floods, or fire events at static locations.
What is the role of the reinsurer in AI-driven claims processing?: While the primary insurer manages the consumer app, we provide the underlying data models that use AI to verify damage photos against regional repair cost benchmarks, helping to standardize payouts and reduce leakage.