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How we work

Claims-focused telematics
UBI
We analyse data
We analyse data,

The data we analyse comes from different sources: phones and additional devices (beacons, OBDII, 12V)

What we analyse:

What we analyse:

It depends on the project, but we are able to check:

  • if a driver complies with relevant speed limits
  • how a driver accelerates and brakes
  • if a driver uses their phone when driving (distraction)
  • how a driver drives the car in built-up areas and outside of them
  • what distances a driver covers
  • how much time a driver spends behind the wheel
  • what category roads a driver uses
create scoring models
create scoring models,

We analyse driver behaviour taking into account the road situation they are in. With the help of machine learning, the system creates a correlation between driving style parameters and loss ratio

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By:

  • adjusting insurance premiums to the actual risk
  • building a portfolio of low-risk customers

we reduce the cost of damages in the mass market segment. We also build the effectiveness of insurance models in niche markets such as insurance provided to young drivers or short-distance drivers.

change drivers’ behaviours and business
change drivers’ behaviours and business,

There’s more!

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Our solutions make it possible to:

  • approach each customer in an individual way and provide them with personalised automatic maintenance service
  • digitise insurance services
  • help drivers develop correct habits (Manage How You Drive) and improve their safety
  • pursue an effective price policy and ensure better quality of services, which, in turn, boosts customer loyalty
  • extend the offer with value added services, such as premium navigation, assistance or calling emergency services in case of an accident
and, above all, we provide help!
and, above all, we provide help!

The fundamental purpose of our solutions, however, is to reduce the number and scale of accidents. If an accident occurs, we help!

How we help?

The driver:

  • by providing post-accident assistance

The insurer:

  • in analysing and reconstructing the crash
  • in assessing post-accident claims
  • in reducing the risk of fraud and theft

SELECTED ELEMENTS OF NAVIEXPERT PULSE TECHNOLOGY

NaviExpert Pulse

Manage how you drive

The common purpose for us and insurers is to reduce the number and scale of road accidents. Classic UBI models make it possible to analyse the driving style of individuals and to adjust insurance premiums to actual risk. The module called Manage How You Drive allows developing correct habits of drivers, by providing them immediate feedback on what they should change. The solution applies an automatic module of personalised messages in mobile applications and gamification tools, such as rankings or competitions.

CRASH RECONSTRUCTION

An accident happens. What were its causes? Did the driver comply with relevant speed limits? What forces was the vehicle subject to when the incident happened? Was the accident preceded by sudden braking? What was the vehicle’s trajectory during the crash? How do other drivers behave in that section of the road? This and other questions can be answered by analysing specific circumstances of dangerous road incidents in the crash reconstruction module. The data takes map context into account.

INSURANCE SCORING

How do drivers’ profiles translate into their loss ratio? Scoring provides an answer to this question. Traditional insurers estimate premiums on the basis of demographic data and the driver’s official loss history. By using data on drivers’ behavioural profiles and machine learning, the system creates a correlation between driving style parameters and potential loss ratio. Thus, insurance premiums calculated with the use of such data refer to an actual risk.

DRIVER CONCENTRATION ANALYSIS

Some of the most common causes of accidents and collisions on Polish roads are forcing the right of way, failure to adjust the speed to traffic conditions, failure to keep safe distance or drink-driving. However, it is estimated that using the phone when driving is an indirect cause of every fourth accident in Poland! The phone not only forces the driver to drive with one hand only, but it also affects thinking, prolonging response time.When we analyse a person’s driving style, we also take into account whether the phone was in the driver's hand or in a phone holder.

DRIVING STYLE ANALYSIS BASED ON ACTUAL SPEED LIMITS

“Data on braking and accelerating obtained from accelerometers is enough to assess a driver’s driving style” – IT’S A MYTH! Driver’s behaviour within actual speed limits is of key significance. Why? Imagine a situation when a driver is leaving the motorway at the speed of 100km/h and smoothly drives into a built-up area. He doesn’t suddenly brake or accelerate. On the basis of this information, it might seem that we are dealing with a perfect driver. If we consider the context, however, we know that the driver’s behaviour is very dangerous. Thus, it is crucial to analyse both of these aspects together. And that’s what we do!

DRIVER PROFILING

What is driver profiling? It is based on an analysis of behaviours of individual drivers in specific road situations. It is called behavioural profiling. For instance, we check if a driver drives according to the rules or how they brake and accelerate. We analyse if a driver actively uses their phone when driving, what driving style they have in a city and outside of it, what category roads they use, how much time they spend behind the wheel and what distances they cover. Such detailed analyses are possible due to the access to digital maps taking actual speed limits into account. We aggregate and visualise data concerning the trip and the driver's personal driving style (having obtained the driver's prior consent) in our system.

CRASH DETECTION

To detect a road incident correctly, we use information from devices such as beacons, OBDII, 12V or smartphones. We have been building our own incident detection system for several years. To ensure highest quality in the so-called claims-focused telematics, we organise laboratory tests and numerous crash tests in professional centres in Poland and Europe, such as the Centre for Experimentation and Road Safety Mapfre in Spain. Another issue related to crash detection is the solution’s integration with communication systems that ensure contact with an accident participant and call for help.

ASSESSMENT OF POST-ACCIDENT DAMAGE (BETA)

We have been carrying out R&D works concerning the correlation between the accident’s geospatial context, damages to the vehicle and the cost of repair. As part of these works, we analyse, among others, the scope of damage in specific vehicle models on the basis of an acceleration graph, energy absorption and actual repair costs.

UNIVERSAL IOT PLATFORM

A universal platform allowing analyses with the use of advanced algorithms covering immense sets of location- and behaviour-related data, regardless of its source, is the central element of our system. We analyse data from smartphones, OBDII devices, beacons or 12V. The platform is scalable and module-based.

OUR IMPLEMENTATIONS 

Safe driving pays off because at LINK4, you will receive a Cash Reward LINK4 Cash Reward

SAFE DRIVING PAYS OFF, BECAUSE CASH COMES BACK AS PART OF LINK4 KASA WRACA SCHEME!

Since 2015, we have been a technological partner of LINK4. Our navigation as part of LINK4’s offer has been additionally equipped with a module analysing drivers’ driving style. By combining telematic data concerning driving styles with actuarial data, LINK 4 was the first insurance company in Poland to provide its clients with a possibility to get a partial refund of a premium in exchange for safe and smooth driving. Thanks to direct tips sent to drivers on how to improve their driving style, the solution contributes to the reduction of drivers’ aggressive behaviours and, as a consequence, greater road safety.

PZU Go PZU GO

PZU GO

PZU GO is an innovative solution we have developed for our Partner: PZU, the largest insurance company in Poland. PZU GO helps to protect human lives in the event of a traffic accident. It is a small beacon-type device stuck to a car's windscreen and a mobile application that are linked to each other to detect dangerous road situations. If an accident happens, the sensor sends information about the event to PZU through the mobile application. The employees of PZU immediately contact the driver to make sure if they need any help. If the driver does not answer, PZU notifies a public-safety answering point, which, if necessary, can send an ambulance to the last place indicated by GPS readings.

“MANAGE HOW YOU DRIVE” AND ANALYSIS OF DRIVING STYLE AND FOCUS ON THE ROAD IN NAVIEXPERT “MANAGE HOW YOU DRIVE” AND ANALYSIS OF DRIVING STYLE AND FOCUS ON THE ROAD IN NAVIEXPERT

“MANAGE HOW YOU DRIVE” AND ANALYSIS OF DRIVING STYLE AND FOCUS ON THE ROAD IN NAVIEXPERT

Although we have been involved in projects improving road safety for many years, only in 2020 was NaviExpert finally equipped with its own driving style analysis module. It is available to all application users. In a dedicated tab, there is a list of routes covered with the application and scores given to the style of driving, influenced by such parameters as adherence to speed limits, smooth braking and acceleration or focus on the road. Why did we do it? It turns out that up to 80% of all drivers assesses their skills as more than average, which, in consequence, leads to reckless behaviour and often results in accidents. Assessment of a person’s driving style with the use of professional algorithms helps to tone down their ego. At the same time, we have been working on adding a module with personalised tips for drivers to the application.

Crash Detect Crash Detect

CRASH DETECTION MODULE AND MANAGE-HOW-YOU-DRIVE IN NAVIEXPERT TELEMATICS

The central focus of our service designed for car fleets is to improve drivers’ driving style. To achieve this, we employ solutions using gamification (rankings, competitions, personalised tips on what a driver should improve). NaviExpert Telematics also uses solutions known as claims-focused telematics. NaviExpert Telematics system allows Fleet Manager to detect and analyse the circumstances of accidents within the fleet.