Case StudiesMobility

Ola's Embedded Insurance Success

Ola, a prominent ride-hailing app operating across 250+ Indian cities, sought to swiftly integrate embedded insurance. Their choice was InsureMO.

  • Leading mobility platform in India, offering ride-hailing and food delivery services.
  • Operates in over 250 cities across India, serving millions of users daily.
  • Offers various transportation options including cars, auto-rickshaws, bikes, and electric vehicles.
  • Apart from its ride-hailing business, Ola operates subsidiaries like Ola Fleet, Ola Financial Services, and Ola Foods, showcasing a diversified portfolio of services beyond traditional ride-hailing


  • Adapting to evolving regulations while proactively shaping industry standards through collaboration with authorities
  • Developing innovative strategies to stand out from intense competition and capture market share in the ride-hailing sector
  • Implementing robust safety measures to ensure passenger well-being, fostering trust and loyalty among customers
  • Pursuing growth opportunities in new markets and service lines with careful planning and execution to maximize success


  • Collaboration between Ola and InsureMO introduces Customer Trip Insurance (Rider Protection), offering tailored insurance covers for Ola customers.
  • Ola customers can select from a range of insurance options for various ride types, including daily commutes, rentals, and outstation trips.
  • More than 1million policies booked daily on Ola rides demonstrate the widespread adoption and value of the insurance offering

When India’s largest mobility platform, Ola, sought an insurtech partner to craft an innovative insurance and protection experience for its riders, InsureMO emerged as the natural choice. With its Ola Insure license and InsureMO’s capabilities in Variation, Velocity, and Volume – known as the 3V framework – Ola has empowered its entire insurance product portfolio.

The Opportunity:

Ola and InsureMO collaborated closely to introduce a revolutionary solution: Customer Trip Insurance, a first-of-its-kind feature in the industry in India which can insure all Ola rides. This groundbreaking offering allows Ola customers to opt for relevant insurance covers tailored to their specific ride types.

For each type of ride, whether it’s a daily commute, a rental, or an outstation trip, riders have the flexibility to select from a range of insurance covers, including:

  • Personal Accident
  • Medical Evacuation
  • Hospitalization due to Injury
  • Repatriation of Remains
  • Missed Flight (domestic travel)
  • Loss of Baggage & personal items
  • Fire & burglary at home

InsureMO’s expertise in Variation, Velocity, and Volume played a pivotal role in helping Ola streamline these multiple components into one cohesive product, significantly reducing complexity for end users while ensuring riders have peace of mind throughout their journey.

To ensure maximum coverage, Ola prompts new users during app installation and onboarding to enable Rider Protection. Additionally, relevant notifications are sent over time to remind users to activate their Rider Protection, providing continuous support and guidance.

The impact of this offering has been remarkable, with close to a million policies booked daily on Ola rides. It’s a testament to the trust and value that Ola and InsureMO bring to riders across the country.

Thanks to the collaboration between InsureMO and Ola India, every ride with Ola now comes with customizable insurance options, ensuring unparalleled safety and security for riders.