Roamly, an InsurTech focused on mobility insurance solutions, has launched a usage-based commercial insurance product for autonomous fleets that prices cover in real-time, and reduces costs when vehicles operate in autopilot mode, in partnership with Tesla.
The product, known as Roamly FSD (Full Self Driving), is designed to address a key barrier in the autonomous vehicle market: access to suitable commercial insurance.
As self-driving technology advances, Roamly aims to provide flexible, real-time protection that aligns with how autonomous vehicles operate, supporting the growth of the emerging robotaxi economy.
Roamly develops insurance solutions tailored to modern mobility use cases, including car-sharing, rentals and fleet operations. Its products are built to integrate directly with digital platforms, enabling real-time underwriting and pricing based on vehicle usage and behaviour.
Tesla is a global electric vehicle and autonomous driving technology company, with its Full Self Driving (FSD) system forming a key component of its long-term strategy. The integration with Roamly allows insurance pricing to reflect when the vehicle is operating autonomously.
Roamly FSD connects directly to Tesla vehicles via the company’s proprietary Wheelbase platform, enabling access to high-frequency telemetry and vehicle data. This allows insurance pricing to adjust dynamically, offering fixed rates when vehicles are in FSD mode without requiring additional hardware or third-party apps.
The product forms part of Roamly’s broader portfolio, which includes solutions for on-rental and off-rental vehicles, and follows its appointment as a Lloyd’s of London coverholder, strengthening its underwriting capabilities. The company has also established Network Operations Centres in the US and London to provide 24/7 monitoring of autonomous fleet activity.
The launch is positioned to support both individual vehicle owners and large fleet operators, enabling them to transition into commercial ride-hailing or robotaxi operations. Roamly said the model removes traditional insurance bottlenecks and provides scalable coverage for autonomous mobility.
“We’re seeing an autonomous vehicle evolution happen in real-time, but commercial insurance hasn’t yet caught up. If the car is doing the driving, then why are we still paying human-driver insurance rates? Today we’ve removed those two remaining barriers: risk and fleet management,” Outdoorsy Group CEO Jeff Cavins said. “We aren’t just solving the complex challenge of insuring autonomous vehicles; we are building the real-time risk engine that allows more people to participate in the autonomous economy.”
“Mobilitas is committed to developing commercial insurance solutions that drive innovation within the mobility market,” Mobilitas executive vice president of commercial insurance Jeff Huebner said. “We are glad to partner with Roamly to support the availability of a new, tailor-made insurance product that advances the continued success of autonomous vehicles and the future of ride-hailing and on-demand transportation.”
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