usage

Customers with profit

Customers with

profit

Customers

Value loss due to

non profitable

customers

Profit maximum

of

customer ba

Driving style bad

risk asssment

Drivenbypricedecrea,lackofdifferentiationand

mediators,themotorinsurancemarkethasbecome

oneofthemostcompetitiveonesintheworld.

Growingmarketsharehasbecomeverydifficultdueto

resultingfromriskexposurebyveryfrequentdriving

andriskydrivingstylequicklyreducetheprofitof

allengeisgrowing

furtherduetothelackofabilitytoidentifyandreject

fraudulentclaimsaswellastheftandtheinabilityto

recoverstolenvehicles.

UsageBadInsuranceenablesdynamicpremium

calculationbadonactualmileageanddriverrisk

ablesrapidmarketgrowthby

rereduced

throughimprovedclaimmanagementand

ofvalue-added

telematicsrvicesincreaprofitsandcustomer

loyalty.

UsageBadInsurance

> In-cardevicesrecordthefrequencyofvehicle

usagemeasuredbymileageandtimeontheroad,

aswellasdrivingbehaviorparameterssuchas

abruptbreakingorsuddenacceleration

> In-cardeviceimpactnsornableimmediate

crashdetectionanddocumentation,aswellas

emergencycallsorroadassistance

> Remotevehicleimmobilizationincaoftheftcan

beactivated

> Centraldriverriskanalysisbadonderiveddata

withspecialfeedbackfordriversviaappsand

Internetportals

> Integrationwithcoreinsuranceprocesssuchas

sales,provisioning,customercareorclaim

management

HOWITWORKS

CHALLENGES

THESOLUTION

UBIasadifferentiatortowinnewcustomersandtoretain

existingoneswhileoptimizingthecustomermixtowards

profitmaximization

Specialportalsandappsgivedirectfeedbacktothedriver

andincentivizehimtoimprovehisdrivingstyle

Differentiated

Proposition

Innovativetelematicsrvices

Newrevenuestreams

EnhancedRisk

Segmentation

Deepinsightson

customerba

ClaimsReduction

Dynamic

Pricing

Attractionoflowriskdrivers

Increadcustomerloyalty

Shapingdriverbehavior

UBI