A new vision on UBI: Beyond mobile telematic

Driver behavior intelligence for user-based insurance and driver-centric risk management. Turn bad drivers into safe and loyal clients.

Benefits

Risk Management

Better risk control with AI powered real-time insights.

Faster Claim Resolution

Understand claim situations faster, and more accurately.

Safer Drivers

Coach safer driving behaviors, for the ultimate win-win.

Reduce Fraud

Get to know the real story, with in-depth analysis.

Driver Behavior Insights

  • Driver event analytics

Accurately detects intensity and duration of accelerations, brakes, turns, speeding, coasting.

  • Distracted driving detection

Automatically detects in-car phone handling while driving (digital drunkenness).

  • Crash detection

Applies machine-learning techniques to detect and analyze collisions in real-time.

Calculates a multi-layered driving score based on anticipation, smooth and legality (speeding).

  • Driver lifestyle profiling

Provides a holistic driver lifestyle profile, based on out-of-the-car context and activity monitoring.

  • Multi-modal transport detection

Automatically detects transport modes, distinguishing car trips from public transport trips.

Distinguish trips as a driver or as a passenger on unique driver DNA and context.

  • Trip Prediction

Predict your drivers’ next car trip. Suggest first mile – last mile shared mobility solutions to lower risks.

  • Trip Analytics

Delivers in-depth trip insights with sequential events of the entire trip.

  • Trip Context

Contextualizes driving behavior by mapping to driver context and driving conditions.

Holistic driver profiling

Our driver-centric approach fueled by smartphone sensor data unveils specific driver habits and behavior in real-time, building a rich holistic driver profile.

  • Detailed and accurate driving event detection
  • Multi-dimensional driving behavior scoring
  • Context-aware intelligence
  • Mobility behavior profiling
  • Lifestyle behavior profiling

In-depth trip analytics

Multi-dimensional trip analytics to show driving behavior. Steep accelerations and heavy braking result in a lower Smooth Driving Score. Legal driving score measures how well the driver adheres to speed limits; Anticipative driving score measures how well the driver anticipates traffic situations.

  • Smooth Driving
  • Legal Driving
  • Anticipative Driving
  • Focus Driving
  • Hard Accelerations
  • Hard Braking
  • Hard Turns

Low cost & Simple deployment

The setup requires a simple SDK integration into a smartphone app and provides a flexible API for accessing the driving events, context and scores.

Learn more about our platform
  • Simple SDK integration into mobile application.
  • Over-the-air deployment enabling broad reach and selective activation.
  • Minimal battery and bandwidth usage, thanks to optimized sensor fusion and minimized GPS fixes.
  • Simple over-the-air software updates; no hardware updates or maintenance required.
  • Option to match driver to single car via mobile app connection to Bluetooth beacon in car.

Case study

UBI Insurance

RISK (NL) is using Sentiance technology to introduce the next generation of UBI solutions by incorporating behavioral and contextual data. First generation UBI products focused on analyzing car data. The Sentiance-RISK solution also takes into account the broader behavior and context of the person driving the car.

Benefits

  • Enhanced personalization
  • Better risk management
  • Innovative insurance offerings
  • User engagement
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Now,

let’s talk about your

UBI program.

Get the ultimate insights into your users’ behavior. Create personalized adaptive products and services. Drive behavior change.

Sentiance is a data science and behavior change company that turns motion data into insights and creates positive changes.

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