Connected vehicle data for Usage Based Insurance

Empowering insurance innovation across the entire policy lifecycle

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The future for Usage Based Insurance

Insurance companies are continually trying to optimize their underwriting and processes and innovate with new propositions. The introduction of telematics and usage-based policies was a step toward reinventing auto insurance; however, they typically only serve high-risk groups. That’s why connected vehicles are a key component of the insurtech revolution.

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How connected vehicle data can help

Connected vehicle data provides deep knowledge that informs risk and underwriting models. It replaces lesser quality, patchy data from mobile and aftermarket devices with highly accurate and granular data.

Why Wejo?

We collaborate closely with our automotive, public and private sector partners to develop connected car data services and products that meet partner needs.

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Volume, accuracy, speed & scale

Wejo has one of the largest data assets of authentic, high resolution, connected car data. This is objectively superior to mobile and static mobility data, offering significantly enhanced accuracy and quality.

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Flexible integration

Flexible access and usage methods - including integration with leading toolsets and open source technology - enable our partners to seamlessly benefit from ground-breaking data and insights.

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Privacy and security by design

Our privacy and security policies ensure that what’s private, stays private. Wejo holds several recognized security certifications and is audited by independent third-party organizations.

Data and insights from connected vehicles

Wejo works with insurance companies globally to help them deliver the next generation of auto insurance, enabling mutual benefit to policyholders and insurers through data and insights from connected vehicles. Auto insurance companies can benefit from connected vehicle data in many ways:

Use real-world knowledge of anonymous driving behavior and events to better inform risk models based on areas known for dangerous driving, unsafe road design or traffic conditions, and journey profiles.

New propositions
Access accurate connected car data to understand real vehicle usage, including mileage for Pay-As-You-Drive policies; journey profiles such as commute, leisure, or business usage, and provide new policyholder propositions.

Dynamic pricing models
Offer Pay-How-You-Drive policies based on deeper insights about driving styles, vehicle maintenance and journeys, using a wide range of sensor data to calculate risk profiles and inform dynamic pricing models accurately.

Provide useful, relevant driver coaching to proactively improve safety, reduce risk and make journeys less stressful for policyholders.

Fraud reduction
Recover stolen vehicles faster, identify and minimize insurance fraud, and validate customer supplied details, policy adherence and coverage.

Crash Analysis
Automate First Notification of Loss and get an accurate understanding of what happened before, during and after a crash by analyzing a wide range of vehicle sensor data, reducing premium leakage across the end-to-end claim process.

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