Solutions → mobility
Urban Mobility
E-bike, scooter, car-share and on-demand fleet exposure. This is the worked example a micro-mobility operator would configure: one mandatory public-liability layer priced into every session, and four optional modules a rider or a fleet switches on individually.
The rate card
Exactly what GET /api/v1/verticals returns for mobility today.
Your own rates replace these; the shape does not change.
Base layer — mandatory
- Public Liability — €2.00/month. Third-party bodily injury and property damage. Forced on server-side regardless of what a client sends.
Optional components
- Battery / Hardware Theft — €1.50/month. Theft of battery packs, drive units and mounted hardware.
- Commuter Roadside Assistance — €1.00/month. Recovery and transport home on breakdown during commute.
- Commercial Delivery Extension — €5.00/month. On-demand fleet and paid-delivery usage extension.
- Car-Share Deductible Buy-Down — €2.50/month. Buys down the excess payable on shared-vehicle damage claims.
Who actually configures this one
Read straight off the components above, not a persona invented for this page.
Scooter and e-bike operators
Public liability priced per session or per subscription, with battery and hardware theft as the add-on that actually matches the loss they see.
Car-share platforms
The deductible buy-down module exists because a shared-vehicle excess is the friction point at checkout — price it in rather than explain it in a FAQ.
On-demand delivery fleets
Commercial use voids most personal mobility cover. The delivery extension is a separate, explicit toggle rather than a clause nobody reads.
A real request
Base layer plus roadside assistance and battery theft: €2.00 + €1.00 + €1.50 = €4.50. No key, no account — recording the quote in the ledger is a separate decision that needs one.
curl -X POST https://api.riskrouter.eu/api/v1/quote \
-H 'Content-Type: application/json' \
-d '{
"active_vertical": "mobility",
"selected_components": { "commuter_roadside": true, "battery_hardware_theft": true }
}'The two selected addons total €2.50, plus the €2.00 mandatory base layer —
quote.totals.total_monthly_premium comes back "4.50", computed
server-side, never a value the client sent.
Other verticals
Digital Nomad →
Cross-border remote work, client liability and device exposure.
Urban Rental & Housing →
Tenant liability, deposit liquidity and connected-home risk.
Micro-Travel & Sports →
Short-haul multi-modal transit and seasonal sports exposure.