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What is the problem?
High loss ratios are one of the biggest cost drivers for insurance companies and have a strong influence on their economic success. Inaccurate risk assessments are among the main reasons for the high loss ratios.
While traditional risk calculations are based on MVR (Motor Vehicle Records) which include your age, address, driving experience and claim history - such parameters are far from revealing the whole truth. Not all losses can be derived from MVR. Further possible losses cannot be detected by these calculations at present. Insurers therefore assess their risk retrospectively, i.e. after the financial loss has already occurred. Their current room for maneuver is therefore severely restricted.
The vast majority
of premiums are paid out in claims.
77%
Average European loss-ratio in 2016
23%
Premiums left over to finance operations after all claims have been paid out
Vision
We want to be the first risk assessment agency for the car insurance industry with proven correlations to accident
Our belief
There is no doubt that there is a lot of room for improvement in the car insurance industry, particularly around driver profiling, and that advancements in technology will drive this change. Although the approach to provide insurers with additional parameters has merit, if these parameters have not been proven to correlate with real accidents then this information is virtually meaningless for an actuary or underwriter, and this is the mistake that telematic providers are making.

We believe that our approach, in providing insurers with parameters that are relevant, trustable, and proven to correlate with accident rates (using data that is available today) is the only way you can provide insurers with valuable and objective information about the risk associated with a particular driver.
The data
The ability to have more data than the competitor or to be able to get better insights will become even more important than the price. At the end of the day, it is the power of insight that guides business leaders to make smarter decisions and generate greater profit.

It is important to be able to adapt to future and new challenges in the market as quickly as possible in order to ensure the company's continued successful existence. As the current economic situation shows very well: correct timing and a quick ability to adapt are essential.
What is our solution?
Through our unique approach which focusses solely on proven parameters, we are able to provide something that no other telematic provider can; precise accident probabilities for each driver. This information is available in the form of risk reports which provides information and data that can be applied to insurers actuary and underwriting work to improve their models and pricing - and as a result, lower their loss-ratios.
Proven paremeters for the most accurate risk assessment in the market
Low-risk drivers bear the high costs of high-risk drivers. Our solutions enable insurance companies to identify and categorise their risks far more accurately. This makes it possible to offer low-risk drivers more attractive premiums and thus creating a portfolio of more profitable policyholders.

At the same time, lower premiums for low-risk drivers have created a competitive advantage in the highly competitive car insurance market, as the insurers can differentiate themselves from the competition in terms of price without any risk-blindspots.
Lower insurance pricing
1.
2.
At the end of the day, it is the power of insight that guides business leaders to make smarter decisions and generate greater profit. The earlier data can be collected, the faster the competitive edge can be extended thanks to newly generated insights. It is important to be able to adapt to future and new challenges in the market as quickly as possible in order to ensure the company's continued successful existence. As the current economic situation shows very well: correct timing and a quick ability to adapt are crucial.
Genadi Man
Co-Founder, CEO
Made on
Tilda