# Vecto > Vendor\-neutral rental replacement platform for P&C claims ## At a glance | Field | Value | | --- | --- | | Category | Claims Technology | | Type | Solutions Provider | | Region | NA | | Headquarters | New York, NY, USA | | Founded | 2022 | | Stage | Startup | | Employees | 1-10 | | Funding | Bootstrapped | ## Overview Vecto is a rental replacement platform for P&C auto insurance carriers, enabling adjusters to manage vehicle replacement for claimants through a single vendor-neutral interface. The platform aggregates traditional rental car agencies, ridesharing services, and mobility-as-a-service providers, reducing dependence on a single rental vendor and lowering out-of-pocket costs for insurers. The platform provides access to over 1 million vehicles across 5,432 rental locations and nine in-network car providers. Adjusters can book replacement vehicles, issue ridesharing vouchers, and manage billing through one system rather than managing separate vendor relationships. Real-time rate adjustments allow insurers to secure competitive daily rates across the network. Founded in 2022 by a rental car industry veteran, Vecto is bootstrapped and in early commercial traction. The company joined the Guidewire Insurtech Vanguards program in 2023 and announced a partnership with Good Driver Mutuality in April 2025, expanding access to Vecto's mobility network across 45 US states. ## Products & services ### Rental Replacement Platform A SaaS platform for P&C insurers to manage vehicle replacement during the claims process. Adjusters access multiple mobility providers -- traditional car rental agencies, ridesharing services, and MaaS companies -- through a single interface with unified billing and reporting. **Key features:** - Access to 1M\+ vehicles across 5,432 rental locations and 9 in\-network car providers - Real\-time rate adjustments for competitive daily pricing - Single\-platform billing across multiple mobility providers - Booking management for adjusters within the claims workflow *Target users:* P&C auto insurance carriers and claims adjusters ### Ridesharing Vouchers Instant ridesharing voucher issuance enabling insurers to provide claimants with immediate transportation when a traditional rental vehicle is not preferred or practical. **Key features:** - Integration with major ridesharing platforms \(Uber, Lyft\) - Instant delivery of vouchers to claimants - Alternative to traditional rental car replacement *Target users:* P&C claims departments ### Vendor Mobility Network A curated network of rental car agencies, ridesharing services, and MaaS providers aggregated under a single technology interface, giving insurers access to a broad pool of mobility options for rental replacement programs. **Key features:** - 1M\+ vehicles in network - 5,432 rental locations - Nine in\-network car providers - Eliminates single\-vendor lock\-in for rental replacement *Target users:* P&C auto insurance carriers ## Category & focus - Subcategories: Rental Replacement, Claims Automation - Insurance verticals: P&C Personal, P&C Commercial - Target customers: Carriers ## Notable customers - Good Driver Mutuality \(partnership announced April 2025\) ## Links - Website: - Directory profile: - Linkedin: - Press/news: --- *Last updated: 2026\-06\-19*