Yousef H.
24/7 Rider Protection
- Accidental death cover
- A$30,000
- Beneficiary
- Registered
- Coverage
- 24/7
- Valid
- Vietnam
The portable insurance layer for the global gig economy
One cover.
Every platform.
24/7.
Insurance built for people whose work moves across apps, vehicles and platforms.
Your work may change throughout the day.
Your protection shouldn't.
Portable accidental death and injury protection.
Designed around the person, not the app.
NowDelivery
Platform coverOn
TopSureActive
The coverage gap
Your platform may cover the job.
Who covers the rest of your life?
Gig workers often get some insurance while they're active on one app. That protection can stop when they log off, ride privately, switch apps or take a day off.
06:00
Ride to work
Platform cover · off
TopSure · on
Platform cover
App A
Platform B
TopSure
Protected 24/7
Insurance shouldn't switch off when your app does.
Platform cover vs TopSure
Your platform protects the trip.
TopSure protects you.
Platform insurance is a good thing. TopSure is designed to fill the hours and the apps it doesn't reach, with one policy that stays with you.
| Situation | Typical platform cover | TopSure |
|---|---|---|
| Active platform trip | Often covered | Covered |
| Waiting for work | Sometimes | Covered |
| Working another app | That app's rules | Same policy |
| Private riding | Typically not | Covered |
| Commuting | Typically not | Covered |
| Day off | Typically not | Covered |
| 24/7 cover | Typically not | Designed for it |
| Portable between apps | Typically not | Yes |
| Nominated beneficiary | Varies | You choose |
| Higher optional cover | Varies | Available* |
| Single insurance relationship | One per app | One for all |
Typical platform cover may vary by platform and country. TopSure cover is subject to eligibility, policy wording and exclusions, and is provided through licensed insurance partners. *Where offered.
How TopSure works
Set up once.
Covered wherever you work.
Digital onboarding, no paperwork maze. TopSure keeps one record of your cover, your beneficiary and your status, whichever app you open today.
- 01
Choose cover
Pick the protection level that fits your work and budget.
- 02
Add beneficiary
Tell us who should receive the benefit if the worst happens.
- 03
Activate protection
Pay monthly and your cover starts, subject to policy terms.
- 04
Stay covered wherever you work
Drive, deliver, switch apps or take the day off.
TopSure Protection Status
Example
Active
24/7 cover
- Current activity
- Private ride
- Platform
- None
- Protection
- Active
- Beneficiary
- Registered
Introducing
The TopSure Pass
Your portable insurance identity. One pass that holds your cover, your beneficiary and your status, and goes with you from app to app, and in future from country to country.
- Coverage level
- Beneficiary
- Policy status
- Insurance partner
- Claims status
- Renewal date
- Supported countries
- Live protection status
Illustrative example. Not a real policy.
Built for the gig economy
The way people work changed.
Insurance didn't.
- Motorcycle Riders
- Rideshare Drivers
- Taxi Drivers
- Delivery Riders
- Couriers
- Independent Drivers
- Multi-App Workers
Millions of workers now earn across multiple platforms, but insurance is still tied to employers, apps and individual trips. TopSure changes that.
One relationship.Portable protection.Built around the worker.
Mobility workers come first. The same architecture is designed to extend to couriers, contractors, creators, freelancers and other underinsured workers.
Claims experience
When something goes wrong, the claim shouldn't make it worse.
A digital claims flow built for the family, not for the filing cabinet. Track your claim from submission to decision.
- 1Beneficiary reports incident
- 2Identity and policy verified
- 3Documents submitted
- 4Claim assessed by insurance partner
- 5Approved benefit paid
Claims are assessed and decided by the licensed insurance partner under the policy wording. Processing times vary.
Claim ID TS-20483
Status
Under review
Documents
- Death certificate✓
- Identity✓
- Beneficiary✓
Next step
Your claim is with the insurance partner for assessment. We'll notify you as soon as there's an update.
Message claims support
Your beneficiary
You choose who you protect.
- Spouse or partner 01
- Children 02
- Parents 03
- Brother or sister 04
- Another eligible person you nominate 05
If something happens to you, TopSure helps make sure the person you chose knows what to do next.
TopSure Safe Contact
Optional featureNominate the people who should hear from us, and how.
MBeneficiary
Receives the benefit
Receives the benefit
TEmergency contact
Guided if an event is reported
Guided if an event is reported
Preferred channel
SMS, WhatsApp, email or call
SMS, WhatsApp, email or call
When a covered event is reported to TopSure, we can guide your nominated person through the claims process, step by step. TopSure doesn't know automatically when an incident happens. Someone needs to report it.
Example protection
Protection that costs less than a coffee.
Insurance should make sense for the people buying it. Choose your country to see availability.
Essential
IllustrativeFrom approx.
A$4.99/month*
- Potential accidental death benefit
- A$25,000–A$30,000*
- Cover
- 24/7, every platform
- Nominated beneficiary
- Included
Plus
Higher coverFrom approx.
A$7.99/month*
- Potential accidental death benefit
- Up to A$50,000*
- Cover
- 24/7, every platform
- Accident medical support
- Optional add-on*
*Illustrative only. Pricing, eligibility, benefits, exclusions and insurance partners vary by country. TopSure does not offer cover in a country until a licensed underwriting partner is in place there.
For platforms
Add 24/7 worker protection without becoming an insurer.
For ride-hailing and delivery apps, taxi platforms, logistics companies, driver associations, fleets and employers. Offer real protection inside your product, and let TopSure and licensed partners handle the insurance.
- Increase worker loyaltyA benefit that outlasts each trip.
- Add a meaningful worker benefitProtection workers actually feel.
- Create optional ancillary revenueDistribution and revenue-share where permitted.
- No insurance infrastructure to buildProduct, policy admin and claims intake handled.
- Embedded enrolmentOpt-in inside your app or onboarding.
- API-first integrationQuote, enrol and policy status by API.
- Flexible premium collectionEarnings deduction, wallet or subscription.
- Group pricingProgram-level pricing for large fleets.
- Digital claims experienceTracked from report to decision.
- Multi-country product frameworkOne integration, local partners.
Integration
PlatformYour app
TopSure APIREST · Webhooks
QuoteEnrolmentPolicyPayment
Licensed insurance partnerUnderwriting
ClaimsIntake → Decision
Insurance infrastructure
The insurance layer behind the platform.
TopSure is designed to sit between digital platforms and licensed insurers. We run the digital experience. Licensed insurance partners carry the regulated underwriting and risk obligations under local law.
01Worker
02Platform
03TopSure
EnrolmentPolicy experienceBilling
Claims intakeData / AnalyticsAPI
04Licensed insurer
05Reinsurance / Capital
TopSure handles
- Product configuration
- Enrolment and eligibility
- Beneficiary capture
- Billing integrations
- Policy status
- Customer communication
- Claims intake
- Analytics
- API integration
Licensed insurance partners handle
- Regulated underwriting
- Risk-bearing and capital
- Claims decisions under policy wording
- Local regulatory obligations
For insurers, reinsurers & investors
Smarter insurance capital.
TopSure can support different risk structures depending on jurisdiction and scale, so a program can grow from a single partner to multi-country capacity.
What is a cell captive?
A cell captive allows a business to participate economically in its insurance program through a legally segregated cell within an appropriately licensed insurer, subject to local regulation.
- Traditional carrier underwriting
- Group / affinity insurance
- Reinsurance arrangements
- Cell-captive structures where permitted
- Captive participation for large programs
- Local fronting / underwriting partnerships
Insurance structures vary by jurisdiction. Products are only offered through appropriately licensed entities.
For insurance partnersWhy TopSure
Built around the person, not the platform.
- 01
Portable
Protection follows the person.
- 02
Always-on
Designed for 24/7 protection.
- 03
Embedded
Integrates directly into platforms.
- 04
Affordable
Built for high-volume worker populations.
- 05
Global by design
Local insurance partners, one digital experience.
Global platform
One insurance experience.
Local regulatory partners.
Each market launches only with a licensed local insurance partner. Here's where we're looking first.
- Exploring
- Insurance partner discussions
- Coming soon
- Live
Trust & compliance
Clear about who does what.
- Products offered through licensed insurance partners.
- Local eligibility rules apply.
- Insurance coverage subject to policy wording.
- Benefits and exclusions vary by jurisdiction.
- TopSure does not claim to be the underwriting insurer unless explicitly identified as such.
Underwritten by[Insurance Partner]
Distributed by[Licensed Entity]
Regulated by[Jurisdiction Regulator]
Partner and licence details are published for each market at launch.
Talk to TopSure
Insurance should follow people, not platforms.
Platforms, driver associations, fleets, insurers and investors: tell us what you're building. Workers can join the waitlist for their country.