Welcome,
how can we help you?
how can we help you?
Herzlich willkommen,
wie können wir Ihnen helfen?
wie können wir Ihnen helfen?
Get in touch
for investment related enquiries
for investment related enquiries
Nehmen Sie für investitionstechnische Anfragen Kontakt mit uns auf
Technology-first
approach for insurance
approach for insurance
Our solutions are bringing the future of technology to insurers, drivers and distributors. Join us to drive to a low-risk environment with fair pricing and responsible driving.
Intelligent car insurance
Get a fair, skill-based insurance quote from insurers. In just 300km our app will assess your driving behaviour, and assign you a score based on parameters such as speeding, rapid acceleration and harsh braking. Use your score to access the best quotes from insurers in Switzerland.
Download Application:
Smartphone-based
The application is smartphone-based and does not require hardware to be installed into vehicles.
Driving history
Get a score for each trip you take, monitor your driving habits, and benefit from skill-based rates.
Accident map
Benefit from our "accident map" safety feature to help you avoid dangerous roads and determine the safest routes when planning a trip.
For Iphone
For Android
SOON
Free Smartphone- Based UBI Solution
We enable insurance companies to create their own Usage-Based-Insurance (UBI) product without high investment costs.
Our 'Open Source' App is available free of charge and supports custom branding. In recent years, the product has been developed and tested on more than 100,000 drivers and has been on the market for almost two years.
Our 'Open Source' App is available free of charge and supports custom branding. In recent years, the product has been developed and tested on more than 100,000 drivers and has been on the market for almost two years.
Contact us for more information about setup and benefits.
Open source
Our telematic solution is open source, and is free and available for anyone that would like to use it.
Smartphone-based
Our solution is smartphone-based and does not require hardware to be installed in vehicles.
Usage Based Insurance
Benefit from additional behavioural data to improve rates and customer retention.
Normal Sigma Risk Assessment
Unlike our competitors, Normal Sigma provides insurers with a risk assessment solution that focusses solely on data parameters that have a proven correlation to real accident rates, such as weather conditions, traffic density and time of day. This allows us to offer insurers meaningful and objective data that can be factored into their actuary and underwriting models today, and begin increasing their profitability.
Lower Loss-Ratios
Through the precise accident probabilities that are assigned to drivers, insurers can significantly reduce their loss-ratios.
Risk Reporting
Risk reports can be purchase for existing or potential policyholders to provide information that can form the basis of a premium reduction or a change in portfolio composition.
Ahead of Telematics
Thanks to AI and additional environmental parameters that have a proven influence on accidents Normal Sigma is way ahead of current telematic offerings.
Monetize and engage your userbase
Create additional revenue streams for your business model by further monetizing your userbase while improving the customer experience. Differentiate from your competitors and improve retention by offering a gamified experience to your users.
Using an API, we can integrate our software into your existing application. If you like, you will receive the functionality that scores drivers based on their driving behaviour to encourage safer driving and also help them save money on their car insurance.
Using an API, we can integrate our software into your existing application. If you like, you will receive the functionality that scores drivers based on their driving behaviour to encourage safer driving and also help them save money on their car insurance.
Contact us for more information about setup and benefits.
Additional Revenue
Add an additional revenue stream to your business. The more active drivers in your user-base, the more you can earn.
Increase Engagement
Enhance your customer engagement and experience by offering new features to your existing application.
Anonymized Data
The user's data is strictly anonymised for us and any third parties. We will only receive driving-specific data.
Discover our new comparison platform
Leave us your email to be one of the first to hear about our new state-of-the-art comparison platform, where drivers can use their score to access fairer quotes and save money!
Our media features
We have been featured by many media outlets since our launch in 2017. Check out our media publications below.
FAQ
For Insurance
For Distributors
For Users
If you are selling the scoring to more than one partner, what is the incentive for additional partners to purchase the scoring?
We have technology that has proven to reduce the loss-ratio for insurance companies. With our unique scoring system, we will be able to provide the opportunity for insurers to better understand the risks associate with each driver and optimize their portfolios. This is the direction that the insurance market is heading in, and with the advancements in technology, insurers will need to evolve with or without us. Insurance companies that adopt our technology will experience benefits regardless of whether they are first or last to do so. Importantly however, the few that adopt our technology first will experience the largest benefits. The last to do so will be forced to evolve or end up becoming niche players catering to drivers who either do not want to be observed by insurers
Self-driving cars will address some of the highest risks like traffic density in and around cities and eliminate most of the driver-related risks. How will this influence your strategy and your solutions?
We welcome this market shift, even looking forward to it. In our product Normal Sigma the driver behavior plays almost no role in the final output of our system. The main output of the system is the surrounding environment in which driving takes place. This means that it makes no difference who the driver is, be it a robot or a human, if rain makes driving more dangerous it will make it more dangerous for both human and a robot driver. The main difference will be the ability of the robotic driver to analyze multiple streams of information, this will allow the robot to take the information from our system into account in real time. This will also make us a data provider for the future in which AVs (Autonomous Vehicles) are the norm.
What makes you think the users (drivers) will allow you to access their data?
Clearly there is a reluctance in society to share personal data. We understand this, and that is why the data we collect is anonymized and limited to driving related data. While our recent consumer survey indicates that a reduction in insurance premiums is the most important usage decision criteria for consumers (representing around 60%), at the same time, data processing represents just 5% relative importance to the consumer. This is also consistent with our experience, as our existing insurance partners that are using our software are showing high acceptance rates.
How do you persuade distribution partners to give you data on their customers?
Distribution partners simply allow us to install our API into their existing applications. Their users must decide whether they would like to provide their data, not the distribution partners themselves. It is also important to note that the data that we collect is solely driving data and is anonymised. If the user decides to share this data, they will be able to benefit from monitoring their driving score, skill-based rates and our "accident map" safety feature (coming soon).
How do you pay distribution partners commission in the event that the data for a user comes from multiple distribution partners?
As soon as the data for a particular driver enters our system it is assigned a unique key. This process is only performed once per driver, so the driver will be assigned to the first distribution partner to provide the data for the individual.
What makes you think the users (drivers) will allow you to access their data?
Clearly there is a reluctance in society to share personal data. We understand this, and that is why the data we collect is anonymized and limited to driving related data. While our recent consumer survey indicates that a reduction in insurance premiums is the most important usage decision criteria for consumers (representing around 60%), at the same time, data processing represents just 5% relative importance to the consumer. This is also consistent with our experience, as our existing insurance partners that are using our software are showing high acceptance rates.
Will I be distracted by the app while I am driving?
No. The app records your journeys in a background mode.
How can you make sure that I was really at the wheel during the journey?
Our app is automatically activated as soon as it detects a movement (automatic start – stop). It can also determine whether you are on foot or using a vehicle.
What makes you think the users (drivers) will allow you to access their data?
Clearly there is a reluctance in society to share personal data. We understand this, and that is why the data we collect is anonymized and limited to driving related data. While our recent consumer survey indicates that a reduction in insurance premiums is the most important usage decision criteria for consumers (representing around 60%), at the same time, data processing represents just 5% relative importance to the consumer. This is also consistent with our experience, as our existing insurance partners that are using our software are showing high acceptance rates.
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