OrbisIO has partnered with Beloy, the embedded insurance platform behind cover programmes for Uber, Allianz Partners and Markel. Motor insurance now sits inside the Perx electric car salary sacrifice scheme, next to the car, the home charger, solar panels and a home battery.
For the driver, that removes a step. The cover is quoted in context and managed in one place, rather than arranged separately once the car arrives.
Why we chose Beloy
Beloy runs the full insurance chain: distribution, claims, payments and reporting. It covers more than a million users worldwide. Its mobility work already includes salary sacrifice as a named model, not an afterthought.
Regulation was the first test. Beloy is authorised and regulated in the UK by the Financial Conduct Authority, firm reference number 978039. It is also a registered insurance broker on the French ORIAS register. We will not put cover in front of an employee without that footing under it.
Insurance completes the bundle. It is not the edge.
Plenty of schemes now add insurance. That is not what makes Perx different.
The difference is what happens after the car is on the road. Perx pairs a four-in-one salary sacrifice package with Orbis, our fleet-intelligence layer, which reads the vehicle's own data.
Here is what that catches. On one live UK fleet, Orbis found a VW Tiguan PHEV returning 46.9mpg against a manufacturer claim of 287.2mpg. The battery sat depleted 81% of the time across 649 readings. The driver rarely plugged in. The cost was £1,176 a year in wasted fuel, and an ESG report showing 30g/km CO2 for a vehicle emitting an estimated 1.5 times that. No spreadsheet or telematics dashboard showed it. The car's own data did.
Embedded cover makes that package more complete. Orbis is still the reason it stands apart.
A note from Alan Carreras
"I spent 40 years in UK fleet, from apprentice technician to running a 35,000-vehicle operation, and I chaired the BVRLA Leasing Broker Committee. In all that time, cover was the part drivers dreaded sorting. Building it into Perx with a regulated partner like Beloy takes that job off their plate. It also strengthens the thing we control best: what happens to the car, and its liability, once it is in use. The BVRLA reports that 35% of returned lease cars carry a damage recharge, averaging £274. Managing that starts on day one, not at return."
What it means for employers
Employers get a more complete benefit and one fewer supplier to manage. Beloy carries the insurance and regulatory work. OrbisIO keeps the scheme joined up on the surface. As always, figures shown to employees are indicative, not personal tax advice.
Frequently asked questions
Who is Beloy?
Beloy designs, builds and operates embedded insurance programmes for brands, insurers and brokers. It covers more than a million users worldwide across mobility, lifestyle and gig-economy sectors. The FCA authorises and regulates it in the UK under firm reference number 978039.
What is embedded insurance?
Embedded insurance is cover built into another product and offered at the point it is relevant, rather than bought separately afterwards. Here, that means motor cover offered inside the Perx scheme.
Does this change how EV salary sacrifice is taxed?
No. HMRC rules set the tax treatment of the electric car, not this partnership. Figures shown are indicative and not personal tax advice.
Is the insurance included, or does the driver arrange their own?
Motor cover is included in the monthly cost by default. A driver who would rather arrange their own cover can opt out, and employers can confirm how that works for their scheme before launch.
Where does the cover sit alongside the rest of the package?
Perx covers the electric car, the home charger, solar panels and battery storage through salary sacrifice. Motor insurance now sits alongside those elements rather than being arranged separately once the car is delivered.