Personal Mobility as a Service (MaaS): Redefining Insurance Models for Urban Mobility

Urban mobility is changing fast. With the rise of Personal Mobility as a Service (MaaS), people in cities have more options than ever before. MaaS lets you plan, book, and pay for all types of transportation through one app. This could be a bike, scooter, bus, car, or even a ride-share.

But with these new ways to get around, our old insurance models need to change too. Here’s how MaaS is redefining insurance for urban mobility.

Flexible Insurance Plans

Traditional insurance often doesn’t fit the new MaaS model. People need flexible plans that can cover them whether they’re riding a bike one day or driving a car the next. Insurance companies are starting to offer plans that adjust based on how you travel. This means you only pay for what you use, and you’re always covered.

Usage-Based Insurance

Usage-based insurance is becoming more popular with MaaS. This type of insurance charges you based on how much you use a service. For example, if you only use a car for a few hours a week, you’ll pay less than someone who drives every day. This model is fairer and can save users money.

Real-Time Data

MaaS relies on real-time data to work. Insurance companies can use this data to offer better services. For instance, if your app shows you’re in a low-risk area or you’re using safe driving habits, you could get discounts on your insurance. This encourages safer travel and rewards good behavior.

Shared Mobility and Insurance

Shared mobility is a big part of MaaS. When people share bikes, scooters, or cars, insurance needs to cover all users equally. New insurance policies are being designed to protect everyone involved, making shared mobility safer and more reliable.

Environmental Benefits

Flexible and usage-based insurance models also support the environment. They encourage people to use eco-friendly options like bikes and scooters. When insurance costs less for these green choices, more people will use them, reducing traffic and pollution in cities.


Personal Mobility as a Service is transforming how we move around cities. To keep up, insurance models are also evolving. By offering flexible, usage-based, and real-time data-driven plans, insurance can support this new way of urban living. This not only makes insurance more efficient but also promotes safer and greener transportation options.

Let’s embrace these changes and look forward to a future where getting around is easy, safe, and sustainable.