TELEMATICS & USAGE BASED INSURANCE
Building Insurance Products That Actually Work
Telematics-enabled insurance gives better pricing, improved risk selection, and deeper customer relationships. But most products fail because they're built by people who've never priced behavioural data, designed telematics products, or navigated customer privacy compliance.
We help insurers, insurtechs, and automotive OEMs build telematics programs that work across global markets, including Europe and GCC markets, because we've built them ourselves - not just advised others on how to do it.
What We Do
Pricing & Underwriting Framework Development
Most insurers look at telematics backwards - they focus on upfront discounting when the real power is in product design and behavioural pricing. Poor pricing and product design destroys customer value faster than regulatory issues.
We help you design underwriting and pricing models, product design which customers love and understand.
We’ve built telematics products in the UK and Europe, some of the most sophisticated geographies.
OEM-Insurer Partnership Structuring
Embedded insurance partnerships fail when commercial terms don't align with data ownership realities and regulatory requirements. OEMs want control; insurers need freedom in risk management; regulators demand consumer protection.
We structure partnerships that work for both parties: defining data ownership and usage rights, creating revenue-share models aligned with risk, designing governance frameworks that regulators will approve, and building operational handoffs between OEM platforms and insurer systems. We've worked with global automotive OEMs on global products and understand both sides of the partnership equation.
Product Design & Customer Experience
Telematics products fail when customers don't understand them or don't trust them. Complex scoring algorithms, opaque pricing adjustments, and privacy concerns kill adoption faster than poor technology.
We design products customers actually want: creating transparent pricing mechanisms, building clear communication frameworks, structuring opt-in programs with genuine value exchange, and developing claims processes that leverage telematics data fairly. Our products balance innovation with underwriting discipline.
How we work
Strategic Advisory
For clients who need expertise but have internal teams to execute. We provide the framework, regulatory roadmap, and pricing methodology while you deliver.
Hands-On Execution
For clients who need us embedded in the work. We build pricing models, prepare regulatory submissions, negotiate with OEMs, and structure vendor agreements alongside your teams.
End-to-End Delivery
From initial feasibility through regulatory approval and operational launch. We take full responsibility for program delivery while building your internal capability.
Typical Engagements
European OEM embedded insurance: telematics pricing framework and regulatory strategy across the UK, Malta, Gibraltar
GCC insurer telematics launch: Saudi market entry with behavioural pricing program
UK MGA telematics product: FCA compliance, pricing model, vendor selection
OEM-insurer partnership: commercial structuring, data governance, revenue share design
Telematics program rescue: fixing broken pricing, rebuilding customer trust, and achieving regulatory compliance
Outcomes We Deliver
Telematics programs launched and writing premium profitably
Regulatory approvals secured across GDPR and GCC frameworks
Pricing models that pass actuarial and regulatory scrutiny
OEM partnerships structured with workable commercial terms
Data governance frameworks regulators approve
Customer adoption rates that make programs economically viable
Reinsurance support secured for behavioral pricing programs