Datafolio

Embedded pay-as-you-go insurance for mobility platforms

Specialty Solutions Startup Seed

Overview

Datafolio is a French insurtech company that embeds usage-based insurance directly into mobility platforms. Founded in February 2020 by former executives from Groupama and AXA, the company enables micro-mobility and macro-mobility operators to offer opt-in, per-trip personal accident coverage to their users at a cost of just a few cents per journey.

The platform automatically detects trip types, classifies modes of transportation, and covers users on a kilometer-by-kilometer basis, accounting for driving behavior, traffic, and weather conditions. As of 2026, Datafolio has insured over 150,000 people and covered more than 15 million trips, achieving a 20% adoption rate among users on partner platforms.

Datafolio is registered with ORIAS (the French insurance intermediary register, number 19008771) and operates under the French Insurance Code. The company targets mobility operators who want to convert insurance from a cost center into a revenue opportunity through commission-based distribution.

Products & Services

Pay-As-You-Go Trip Insurance

Per-trip personal accident coverage embedded directly inside mobility platform apps, starting at a few cents per journey. Coverage is activated per trip and billed only for actual use.

Key Features

Machine learning-powered automatic trip detection and transportation mode classification
Per-trip pricing starting at a few cents per journey
Coverage for personal accident and assistance during each trip
Multi-modal support across bikes, kick-scooters, motorcycles, cars, free-floating vehicles, and car-sharing

Target Users: Micro-mobility and macro-mobility platform operators and their end users

Assistance Services

Comprehensive roadside and personal assistance bundled with mobility coverage, providing users protection beyond basic accident coverage.

Key Features

Roadside assistance integrated with mobility coverage
Personal assistance services
Bundled with per-trip accident insurance

Target Users: Mobility platform users seeking comprehensive coverage

White-Label Platform Integration

API-first embedding of insurance into partner mobility apps, enabling operators to offer insurance under their own brand without managing insurance operations.