Normal Sigma is an AI-based solution to improve the actuary process by providing a risk assessment that can be used to optimise pricing and portfolios. Unlike telematics companies that focus on driver behaviour (which has no proven connection to accidents), our Normal Sigma Solution addresses contextual information about the environment and the risk it poses to the driver. With this approach, it is possible to calculate the precise probability of a driver getting into an accident. Real accident data is used in connection with weather, traffic density, time of day, and many other parameters.