Roamly Unveils First Real-Time Insurance for Autonomous Fleets, Slashes Costs by 50%
Insurtech company Roamly has launched what it describes as the world’s first real-time insurance for autonomous fleets, a move that could fundamentally change how self-driving vehicles are covered commercially. The product, called Roamly FSD (Full Self Driving), prices insurance by the mile and automatically cuts fleet owners’ costs by 50% the moment a vehicle switches into autopilot mode.
The launch targets Tesla vehicle owners first, using an API integration with Roamly’s proprietary fleet management software, Wheelbase, to read vehicle telemetry and health data directly from the onboard computer in real time. No dongles, no third-party apps, just a transparent, usage-based rate that kicks in automatically when FSD mode is active.
Jeff Cavins, CEO of the Outdoorsy Group, Roamly’s parent company, put the problem plainly: “If the car is doing the driving, then why are we still paying human-driver insurance rates?” With Roamly FSD, that question finally has an answer. The platform captures every autonomous mile logged and prices risk accordingly, removing what Cavins called the two remaining barriers to the autonomous economy: risk and fleet management.
The timing is significant. According to Goldman Sachs analyst Mark Delaney, the U.S. robotaxi market is projected to generate over $19 billion in revenue by 2030 and $48 billion by 2035. Until now, commercial insurance has not kept pace with that trajectory, leaving individual owners and small fleet operators without viable coverage options.
Roamly FSD is designed to fix that gap at scale. Beyond the U.S., Roamly has set up Network Operations Centers in both the United States and London to provide round-the-clock monitoring of autonomous sessions and risk data. The real-time insurance for autonomous fleets platform is underwritten by Mobilitas, whose executive vice president of commercial insurance, Jeff Huebner, said the partnership was built to “advance the continued success of autonomous vehicles and the future of ride-hailing and on-demand transportation.”
The product also sits within a growing Roamly portfolio that already includes coverage for rental autos, off-rental vehicles, and rental shield protections. Adding FSD to that suite, and backed by Roamly’s recent appointment as a Lloyd’s Coverholder, signals that the company is positioning itself as the infrastructure layer for the entire autonomous mobility economy.
For Tesla owners, the practical implication is striking: with a single button press inside the Wheelbase ecosystem, a personal vehicle or an entire fleet can be converted into a commercial ride-hailing or robotaxi asset, fully insured and commercially compliant from the moment autopilot engages.
