4 min read • April 28, 2026
Rising insurance premiums are placing a huge burden on many car sharing providers. As an external insurance department, fresh for finance effectively counteracts this: through a robust group model and fully digital claims management, they ensure competitive rates for providers and restore cost certainty to day-to-day operations.
Market
Insuring a shared mobility fleet has recently become a critical challenge for operators. Traditional insurers are increasingly withdrawing from the car sharing market or raising premiums to levels that make profitable operations nearly impossible. This is often due to the specific risk profiles, high claim frequencies, and constant turnover of users.
To operate sustainably, operators therefore need reliable insurance solutions that are precisely tailored to their business model. This is where the independent insurance broker fresh for finance comes in with its “freshCARsharing” concept.
Instead of relying on inflexible individual contracts, fresh for finance positions itself as a specialized, external insurance department for car sharing providers.
A key lever in this approach is the collective model: In the so-called “freshCOMMUNITY,” operators join together to form a strong community of interest.
By pooling risks in this way, significantly more stable market conditions and cost-effective premiums can be negotiated—regardless of whether a fleet consists of 10 or 10,000 vehicles.
fresh for finance is no newcomer to this complex market segment; rather, it has been supporting the car sharing industry for decades.
As early as 30 years ago, the pioneers of car sharing demanded transparent insurance solutions from the company that would clearly stand out from the intransparent concepts common at the time.
Originally starting out as a traditional broker, fresh for finance has leveraged this deep expertise to evolve into a central, digital, and strategic partner for the shared mobility industry.
In day-to-day operations, a lengthy and confusing claims process in particular wastes valuable time and reduces fleet utilization. To solve this problem, fresh for finance combines registration, fleet management, and active claims management into a single centralized B2B partner portal.
Claims can be digitally recorded from anywhere, while intelligent tracking ensures a clear claims history. This accelerates decision-making processes, significantly reduces vehicle downtime, and eliminates the need for confusing email chains.
To minimize legal and political risks, all data is processed on European servers in accordance with GDPR requirements.
An industry with tight margins requires financial certainty. To reliably optimize insurance costs, fresh for finance uses a structured strategy that analyzes existing fleet data and uses it to establish appropriate rates:
As a Silver Workshop Sponsor, fresh for finance will be on-site at the MOQO Summit in Aachen to provide practical insights into modern fleet insurance.
