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TIMEline humn ai insurtech fleet

A data-driven solution advancing on-demand insurance and future mobility.

Humn empowers fleet managers to control their own insurance exposure and enables insurers to implement dynamic pricing.



Mark Musson (CEO) – Previously: Nordea, HSBC & J.P. Morgan.

Peter Bousquet (Chief Revenue Officer) – Previously: GE, Lloyds & J.P. Morgan.

Chris Clarke (Chief Data Scientist) – Previously: HSBC & Nordea.

Alberto Romero (CTO) – Previously: Hortonworks, G-Research, Amlin & Lloyds.


Humn was founded to change how commercial motor insurance works by taking advantage of the convergence of urbanisation, mobility and digital connectivity.

Currently, commercial motor insurance does not reward good driving behaviour.

Insurers lack visibility into real-time value at risk, and so have to price according to averages.

Humn’s RideShur product will change all this, with real-time individual risk scoring making the risk transparent.


RideShur is the only global embedded real-time pricing and risk scoring engine, with the ability to score events every 5 milliseconds and price insurance every 1 second. They achieve this by applying hybrid streaming analytics and blockchain technology. Giving fleets tools to nudge driver behaviour and manage losses, enabling insurers to price risk by the moment and delivering convenient, flexible, fair and functional insurance.

Fleet managers: Are charged less when vehicles are not in use and enable better risk management of individual drivers.

Insurers: Benefit from improved loss ratios, unlocking the ability to provide fluid cover & dynamic pricing.

Future of mobility: Is enabled by connecting cars directly to insurance policies and adding in the contextual data which influences risk.


“Partnering with the Insurtech Gateway has allowed us to throw away our Lonely Planet guide to insurance and travel some of the more remote routes of the industry safely and quickly, leaving us to do what we do best and saving us at least 10 months in getting to market with a wrapped insurance product.”

Mark Musson, CEO & Founder at Humn

“When investing we look for great founders with transformational, scalable ideas, in large markets.  Humn delivers on all these criteria, with 15 years of acquired skills in building technology solutions for investment banks capable of processing billions of bits of streaming data instantaneously.

They have applied their deep knowledge to the fleet motor market, which is entrenched in legacy practices and is seldom profitable for underwriters; Humn turns the underwriting model on its head, allowing risk to be priced on the actual risk and driving behaviour, rather than a simplistic ‘rear view mirror’ approach of historical burning costs.

The Humn technology proposition to fleet operators is equally compelling, reducing their own retained risk and operating costs as well as premium savings.

As shared ownership and usage, and eventually autonomous vehicles, become ubiquitous, the fleet motor space will be one area of the motor market to still be growing.”

Richard Chattock, CEO at Insurtech Gateway

We understand that your idea might not be fully formed yet, that you might still be in a full time job or be genuinely stuck with lots of stakeholders breathing down your neck.

For a confidential, exploratory chat with one of our local incubator teams, book a video chat.