RainCheck
Parametric income insurance for India's food-delivery riders.
- Year
- 2026
- Role
- Flutter rider app
- Team
- Team CEIL
- Stack
- FlutterFirebaseExpressMongoDBFlaskXGBoostRazorpay
01 — The problem
When rain, floods or toxic air stop deliveries, riders stop earning. RainCheck pays out automatically the moment a weather threshold is crossed. No claim forms, no adjusters.
India's food-delivery platforms run on millions of gig riders. A single day of heavy rain or flooding can cost a rider ₹500–950, and fewer than 4% of them have any insurance at all.
Traditional insurance can't serve them: lost income is hard to verify, an adjuster costs more than the claim, and a ₹50 weekly premium can't carry the overhead.
02 — What it does
Parametric triggers
Live rain, AQI and flood data are checked against thresholds. When one is crossed, claims are created for every covered rider in the zone.
AI underwriting
XGBoost models price the weekly premium, profile each rider's risk and score every claim for fraud.
Anti-spoofing
A behavioural coherence score catches GPS spoofing and coordinated fraud before money moves.
Instant payout
Verified claims are paid straight to UPI in under two minutes, often before the rider thinks to ask.
03 — How it works
- 1
Phase 1 proved the idea as a web platform: an Express and MongoDB backend, a Python/Flask ML service with three XGBoost models, and a live trigger engine across ten cities.
- 2
Phase 2 put it in riders' hands as a native Flutter app, the part I built.
04 — My part
- Firebase Auth with Google Sign-In and phone OTP, and a six-step onboarding flow with a live ML risk meter.
- A real-time dashboard with weather status, a minimap and a community hazard heatmap.
- Claims with an appeal flow and earnings-proof upload, plus an emergency SOS with swipe-to-confirm.
- Razorpay subscriptions, push notifications, haptics and an offline fallback.
StrengthLab
Predict concrete strength from the mix recipe, 28 days early.