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MotiSure
Techstars '24Capitol Heights MD, US · Founded 2021 · 4 employees on LinkedIn · 1 known investors
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MotiSure embeds parametric insurance and financial services into commute payments across matatu networks and transit systems, protecting riders and gig workers in Africa and the UK. The company automates micro-insurance payouts, savings, and credit activation at the moment of payment without requiring sign-ups, claims, or traditional documentation.
Also known as RideRoots · SafiriSure
Founders & leadership
MotiSure was founded in 2021 by Joel Macharia.
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026MotiSure is a fintech and insurtech company that embeds financial protection, savings and credit into transport fare payments rather than selling insurance as a standalone product. Cover is activated at the point a fare is paid, with no separate application, paperwork or claim form required of the rider. The company operates two product lines built on a shared platform: SafiriSure, which is live in Kenya, and RideRoots, which the company states is launching in London in April 2026.
SafiriSure is positioned as a transport financial stack for African markets, offering personal accident cover, operator credit and savings from a minimum daily premium of KSh 10, delivered through M-Pesa, USSD, NFC/QR, Mastercard rails, an agent network and offline-first capability, without requiring a bank account. RideRoots targets London gig workers with parametric delay payouts, micro-pensions and automatic savings, using Transport for London open data alongside contactless and Oyster payment signals, and is described as FCA-regulated. TechCabal has described MotiSure as a Kenyan startup offering micro-insurance plans through chatbot interactions on WhatsApp.
Business model
MotiSure distributes protection and savings products through transport payment flows rather than direct insurance sales, working with insurers and transport platforms and exposing its capability through an API that partners such as employers and mobility platforms can integrate.
Premiums are collected as micro-payments attached to fares, with a stated minimum daily premium of KSh 10 in Kenya; the company cites a 30% loss ratio against a stated industry average of 60-80%.
Traction
The company reports more than 1.2 million insured commuters, activity in 15 or more Kenyan counties, a passenger opt-in rate above 70%, a 12% share of market, a 30% loss ratio, zero fraudulent claims and a 40% retention lift in a pilot. Transport platform partner BuuPass reported a 30% increase in sales and a 50% reduction in response time after integrating trip insurance into its bus booking service.
Latest developments
MotiSure states it has signed an MOU with Mastercard, partnered with MIC Global (March 2024) on digital mobility insurance in Kenya, and is preparing an April 2026 London launch of RideRoots while describing itself as Series A ready.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
MotiSure positions itself as infrastructure for embedded mobility protection, citing 600 million daily commuters in Africa without financial protection, 13,000 hours of severe TfL delays reported in 2023 and £1.8 billion lost annually by London gig workers to transit disruption. It claims a 12% share of market in its Kenyan segment.
Protection is activated invisibly at the point of fare payment with no sign-up, claim form or bank account required, and payouts are triggered parametrically from journey and disruption data; the company reports zero fraudulent claims in its pilot and a loss ratio around half the industry range it cites.
Technology
A "Proof of Journey" engine correlates payment signals with real-time disruption and partner data feeds — including the TfL Open Data API and M-Pesa rails — to detect qualifying events automatically and trigger payouts, savings contributions or pension deposits, settled same-day via Mastercard rails. The Kenyan stack supports M-Pesa, USSD, NFC/QR, offline-first operation and an agent network; the UK product uses contactless/Oyster data and parametric triggers with a stated payout time of under 30 seconds.
Go-to-market
Distribution is through transport payment rails and platform partners rather than direct-to-consumer sales, via a single API integration for platforms and employers, supported by partnerships with insurers, payment networks and transport data providers.
Commuters and riders using matatus, boda bodas, buses and the London Underground; gig workers and couriers; transport operators and platforms; and employers whose workforces rely on public transport.
Geography
Live operations in Kenya across 15 or more counties, with a London launch stated for April 2026 and stated expansion paths of Kenya to East Africa and the wider continent, and London to New York. The company describes itself as a Delaware C-Corp.
History
Disrupt Africa reported in September 2021 that MotiSure had launched an API-powered insurtech platform for commuters and riders in Kenya. TechCrunch covered the company in May 2022 in relation to its use of micro-payments to drive personal mobility insurance growth. In March 2024 MIC Global announced a partnership with MotiSure for digital mobility insurance across Kenya. The company is a Techstars alumnus.
Compiled by commissioned research from 8 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 4
launches, deals, and filingsMotiSure states that RideRoots, offering parametric transit-delay payouts, micro-pensions and auto-savings for London gig workers, will launch in April 2026.
MotiSure states it has signed a memorandum of understanding with Mastercard as a payment infrastructure partner providing access to global rails.
MIC Global (MicroEnsure) and MotiSure announced a partnership to deliver digital mobility insurance across Kenya.
Disrupt Africa reported the launch of MotiSure's API-powered insurtech platform serving commuters and riders.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- MotiSuremotisure.com · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does MotiSure do?
- MotiSure embeds insurance, savings and credit into commute payments, from Kenyan matatus to the London Underground.
- Who founded MotiSure?
- MotiSure was founded by Joel Macharia in 2021.
- Who are MotiSure's investors?
- MotiSure's investors include Techstars.
- Where is MotiSure headquartered?
- MotiSure is headquartered in Capitol Heights MD, US.