Ex-Tesla Insurance Europe | Ex-Zego | FCII | FCA • GFSC • MFSA Approved
Telematics & UBI
We have built telematics and usage-based insurance programmes from the ground up, scoring models, vendor selection, product design, and the regulatory frameworks to make them work. This isn't theoretical. We've done it at scale.
The Problem
Telematics and Usage-Based Insurance (UBI) offer immense potential for risk selection, yet most programs fail during implementation. Without specialized expertise, companies often run into:
Pricing Pitfalls: Focusing on upfront discounts rather than behavioral data, which destroys margins and misses the true power of risk differentiation.
Partnership Friction: Embedded insurance deals between OEMs and insurers that collapse due to misaligned data ownership, revenue-share models, or regulatory roadblocks.
The "Black Box" Trust Gap: Complex scoring algorithms and opaque pricing that alienate customers and trigger privacy compliance issues.
Regulatory Complexity: Navigating the disparate requirements of sophisticated markets like the UK and Europe, or emerging landscapes like the GCC (Saudi Arabia).
Our Approach
Building the technical and operational foundations for usage-based insurance (UBI) and data-driven risk programmes.
Developing risk scores and pricing models derived from telematics, behavioural, and real-time data sources.
Auditing, selecting, and integrating the right telematics hardware, software, and data science partners.
Designing and implementing data-driven incentives to improve driver safety, risk profile, and customer retention.
Who It Is For
Forward-Thinking Insurers
Established carriers looking to launch behavioral pricing programs that pass rigorous actuarial and regulatory scrutiny.
Automotive OEMs
Global vehicle manufacturers seeking to monetize data through embedded insurance partnerships while maintaining control and consumer protection.
High-Growth Insurtechs
Startups needing to build "compliance-first" telematics products that satisfy both the FCA and reinsurance partners.
GCC Market Entrants
Companies expanding into Saudi Arabia or the wider Middle East who need a roadmap for local telematics regulations and market-specific behavior.
Struggling Program Leads
Teams needing to "rescue" a broken telematics product by rebuilding pricing models, restoring customer trust, and achieving regulatory compliance.
Related Guides & Resources
Practical insights for insurance operators and founders.
Telematics
We've telematics programmes from scratch. Here's what the data actually shows, and why most programmes get it wrong.
Ready to talk?
Whether you're building, scaling, or fixing an insurance operation, we've been there. Book a free 15-minute conversation.