Our insurance saves lives during accidents, allows good drivers to pay less for a policy and enables insurers to digitise services and manage risk better.

An insurtech startup. It’s not us. For 15 years, we have been dealing with geolocation, innovative mobile services for drivers and solutions improving their safety.

And we make money on that. We do it either by establishing strategic partnerships, such as the one with Central and Eastern Europe’s greatest financial group PZU, and mobile operators, or by creating services under our own brand.

Numbers speak for themselves. Over half a million UBI policies sold, several dozen crash-detection service users, nearly 600 thousand clients paying monthly subscriptions for navigation.

Dostawca telematyki


LINK4 Kasa Wraca and PZU GO are Poland’s first fully implemented insurtech projects focused on UBI and crash detection. We have the pleasure of creating them for the largest insurance&finance group in Central Eastern Europe – PZU GROUP. What are these projects?

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PZU GO - Złoty BELL 2019


On 4 March, during the ceremonious Mobility Trends gala, we had the honour to collect a Golden Bell award on behalf of PZU in the 2019 Innovation category. We would like to thank everyone who voted for our project!

Check what we do


Usage Based Insurance

Usage Based Insurance

We were the first ones in Poland to implement solutions allowing adjustment of insurance premium amount to driver’s driving style.

Crash detection & reconstruction

Crash detection & reconstruction

We have developed an innovative system for detecting car collisions and accidents, which automatically calls emergency services and analyses circumstances of the event.

Telematics for companies

Telematics for companies

We have developed our own system supporting fleet management, based on vehicle monitoring and driving style analysis.

Mobile advertisement

Insurance scoring

We have applied machine learning technology in analysing the correlation between driving style parameters and loss ratio

Monitoring systems


We obtain telematic data based on GPS and accelerometers from smartphones, OBDII, beacons and 12V devices.

Useful applications for drivers

Useful applications for drivers

We specialise in applications for drivers, designed both for individual customers and businesses.

The largest LBS platform in Poland

The largest LBS platform in Poland

By now, we’ve had several million application downloads and nearly 600 thousand users paying monthly subscriptions

Road information

Road information

We have access to the most recent data concerning traffic, road incidents, speed limits and drivers’ behaviours!



For 15 years, we have been working on an online car navigation system, NaviExpert, which is used by hundreds of thousands of drivers every day to avoid traffic, be warned about road-related incidents, benefit from the latest maps and save time when parking.

NaviExpert Telematics

How do we change business? By introducing the NaviExpert Telematics service designed for people who manage car fleets at companies. Thanks to our solutions, fleet managers can handle company cars efficiently, improve safety of their employees and reduce costs of the fleet.

PZU go

The solution prepared by us for the insurer PZU. A small sensor (beacon) installed in the car works with the mobile application to automatically call for help in the event of an accident.

NaviExpert offered by operators

Have you heard of NaviExpert? Perhaps you are familiar with Orange Navigation, Play Navigation, Plus Navigation or T-Mobile Navigation? It is NaviExpert that is actually hidden under each of the above navigation systems, in mobile operator versions, with convenient payment methods added to the phone bill.

Orange Play Plus T-mobile

Our navigation system available in the LINK4 offer was additionally fitted with a module for analysing the style of driving. By combining telematics data about one's driving style with the existing data, LINK4 has become the first insurer in Poland to offer the possibility of obtaining a refund of a part of the insurance premium in exchange for safe and smooth driving.

Rysiek WidziMisie

Rysiek is a speed camera alert system and video recorder in one. This app aggregates road-related information obtained from multiple sources


There is also something for drivers who always struggle to find a parking spot. FindPark is the biggest search engine for car parks in Poland - both public and private ones.


Do you want to know where are your loved ones? Or maybe you are annoyed by continuous calls with the questions "where are you?". Seeya allows you to share your GPS position with your loved ones, as well as observe the location of those people who share their location with us.


Telematics Technologies sp. z o.o.
(previously NaviExpert sp. z o.o.)
Al. Jerozolimskie 181B
02-222 Warszawa
phone: +48 693 331 723
e-mail: biuro@telematicstechnologies.com

Branch in Poznan
ul. Zagrodnicza 30
61-654 Poznań

KRS (National Court Register) 0000688279
VAT No.: 5252717680
REGON (Registration No.): 367906160