Everything you need to ride, in one contract.
Insurance · maintenance · gear · FMS device — BCM takes responsibility for every stage of a rider's operation.
Shows how paid-transport insurance, accident response and predictive maintenance connect to FMS data.
Paid-transport insurance brokerage
About 60% of delivery riders ride without proper insurance. BCM operates 8 insurance products and is in discussions with insurers on a usage-based insurance (UBI) rider built on FMS driving data.
| Insurance type | Break-even loss ratio | Current loss ratio | Sample premium |
|---|---|---|---|
| Personal use | 85% | 77.7% | ₩623,000 |
| Non-paid transport | 85% | 79.4% | ₩2,048,290 |
| Paid transport (delivery) | 85% | 116.4% | ₩4,152,860 |
Assumption: 2025-11-17, KB Insurance, new 24-year-old rider on a 125cc.
Connects the Gangnam·Mapo·Songpa maintenance network with FMS diagnostic data.
Maintenance network
Directly linked to maintenance shops in Gangnam, Mapo and Songpa. FMS-data-driven predictive-maintenance alerts minimize downtime.
Delivery gear supply
Six standard items supplied at transparent, weighted-average-cost pricing.
- Delivery box
- Helmet
- Raincoat
- Gloves
- Heated seat
- Phone mount