Safer Driving and Better Pricing
Coaching and rewards promote safer driving behaviour. Granular risk segmentation enables fairer rates and better selection.
Telematics Platform
Telematics / Usage-Based Motor Insurance
Usage-based motor products powered by telematics and connected data. Trip and behaviour scoring, pricing hooks, FNOL and assistance, rewards and gamification, fraud checks, and insights. Integrated with PAS, Claims, and CRM.
Impact on Motor Insurance
UBI Suite
Telematics, scoring, rewards unified
- Safer driving with behaviour scoring and coaching
- Better pricing through granular risk segmentation
- Faster claims handling with crash detection
- Reduced fraud through device and trip analytics
- Stronger engagement with gamified programs
Optimized for Motor Insurers
Complete Telematics Solution for Usage-Based Insurance
Our telematics platform enables insurers to launch usage-based motor products. Capture driving data, score behaviour, integrate with pricing, detect crashes, reward safe drivers, and identify fraud patterns.
Faster Claims and Reduced Fraud
Crash detection and data evidence accelerate FNOL and settlement. Device and trip analytics flag anomalies early.
Standard Features
Key Features for Telematics and UBI Programs
Comprehensive features to support your telematics and usage-based insurance programs. Enable modules progressively based on your product needs.
Device and Data Sources
OBD, blackbox, mobile SDK. GPS, accelerometer, and CAN-bus feeds.
Trip and Behaviour Scoring
Speeding, braking, cornering, phone use, and time-of-day risk.
Pricing and Eligibility Hooks
Score-based eligibility, discounts, surcharges, and renewal actions.
FNOL and Assistance
Crash detection, assistance dispatch, and claim handoff with media.
Rewards and Gamification
Leaderboards, challenges, badges, and partner rewards.
Fleet and Young Driver Modes
Guardian views, geofencing, and usage reports.
Fraud Signals
Staged crash patterns, device anomalies, and policy or claim mismatches.
Privacy and Consent
Consents, data minimisation, and opt-out or retention controls.
Dashboards and Reports
Exposure, scores, claim frequency and severity, and trends.
Integrations
PAS, Claims, CRM, mapping, notification, and data warehouse.
Integration and Deployment
Seamless Integration with Insurance Systems
The system is designed to integrate easily with existing policy, claims, and CRM systems to ensure smooth data exchange and pricing integration.
Integration Options
- Telematics SDK and OBD integration.
- Maps and geofencing services.
- Notification systems for alerts and reminders.
- PAS, Claims, and CRM integration.
- Data warehouse and BI integration.
- API-first architecture with SSO.
Deployment and Customization
- Branding for mobile app.
- Custom scoring and rules.
- Trial access until go-live.
- Annual maintenance including change requests.
- On-premise or cloud deployment.
Implementation Approach
Structured Rollout, Measurable Outcomes
A practical rollout approach to launch UBI products with realistic sample data. Validate the system with scoring, FNOL triggers, and rewards before full-scale deployment.
Before Go Live
- Process mapping and gap analysis for UBI products.
- Configuration of scoring rules, pricing hooks, and rewards.
- Device integration and data collection setup.
- System testing (SIT) and user acceptance testing (UAT).
- Training and readiness checklist across teams.
After Go Live
- Active support and stabilization of the telematics platform.
- Continuous improvements and management of change requests.
- Enhancements to scoring algorithms and analytics.
- Ongoing security reviews and system performance tuning.
Rayterton can start without upfront payment. The focus is to validate fit through working workflows and real outputs before scaling rollout.