IMS Mobile Insurance Telematics Solutions

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Mobile Insurance Telematics and Usage-based Insurance Solution‎

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Datasheet Request - UBI

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Mobile is one of the many diverse deployment options supported by the DriveSync® connected car platform. As one of the many connected car solution offerings powered by DriveSync, IMS offers insurers multiple options for in-vehicle data collection to help them segment and target their book of business with technology options best suited for specific participants.

Mobile insurance telematics presents a unique opportunity to transform the telematics and usage-based insurance market by leveraging technology the majority of consumers already have, a smartphone, to cost effectively capture driving behavior and enable consumers to engage with that data in a more frequent manner.

Features & Benefits

Smartphones are one of the many data collection options supported by IMS and leverages the DriveSync® platform by using the mobile device to capture driving data and behavior as well as view trips, scores and policy discounts.

Mobile Telematics App and OBD2 Auto Insurance Platform

Multiple Driver Options Insurance Telematics

Secondary Driver Option

Gives policyholders the flexibility of viewing the driving data of secondary drivers under their policy, to help influence safer driving behavior. You also benefit from the ability to design differentiated programs based on this feature targeted at new segments, such as multi-driver families, new driver programs and car sharing.


Scoring Options for Mobile Telematics

Scoring Options

Enables you to create customized scoring while keeping the safety of your policyholders front and center. Available scoring variables include: Acceleration, Braking and Pay as You Drive (Time of Day, Day of Week and Distance).

Trip Detection for Mobile Telematics  

Auto Trip Detection

Auto Trip Start & Stop

Includes automatic trip start and stop detection to ensure the amount of driving data is maximized by not requiring end user intervention.

Intelligent Driver Detect Usage Based Insurance

Intelligent Driver Detect

Gives complete flexibility in determining whether a recorded trip was taken by the passenger or driver, ensuring engagement with the correct policyholder for coaching and feedback. Intelligent Driver Detect leverages patented driver-fingerprint technology to automatically determine who drove – so you can rest assured that you are getting the correct driving data needed for driver rating.

Smart Driver Detection - Mobile Insurance Telematics

Auto Transport Detect using Mobile Technology

Intelligent Transport Detect

Automatically know whether a recorded trip was taken in an insured vehicle or public transport, eliminating trips that shouldn’t be included for scoring and coaching purposes – with no end-user effort required. Keeps drivers focused on the right driving feedback, while providing you with the confidence of accurate rating and pricing.


Leaderboards for Insurance Telematics


Enables policyholders to view their driving score against other drivers and compete to be the safest driver. Users can sort/filter Leaderboard groups based on gender, age range, location and vehicle type.

Gamification Mobile Telematics 8888


Reward Badges

Generate driving challenges with associated reward badges to incent safe driving behavior. For example, incent safer winter driving with a seasonal challenge that focuses on speed limits and braking to earn a limited-time reward.

Wifi Support

Wi-Fi Only Uploads

Includes a user setting to restrict data uploads to use a Wi-Fi connection only, eliminating the need for data plan as a prerequisite.
Wi-Fi only uploads also ease concerns about data usage by providing a mechanism to prevent data uploads via cellular connection.

Multi Language Support for App

Multi-Language Support

Offers support for multiple international languages to enable you to launch programs and engage
policyholders in different parts of the world.

Telematics Multi-Language Support

Push Notifications with Mobile Telematics

Intelligent Push Notifications

Provides a push framework to notify users when trips have not been processed and for changes to discounts and refunds and ensuring timely user engagement. Gone are the days of intensive manual work to communicate with program users.

Aftermarket Bluetooth Integration Support

Bluetooth Assist

Offers a new feature that connects to the app to identify the vehicle and associated trips through the vehicle’s existing or aftermarket Bluetooth system. Improve trip start/ trip end accuracy and lower costs by leveraging in-vehicle hardware for user scoring and feedback.

OBD2 Device with Bluetooth

Bluetooth-based Device Support

For insurers having difficulty making UBI costing work, the mobile solution works with a Bluetooth-based Beacon, 12V Connector and OBD-II device to provide all the richness of data with lower device costs and lower monthly fees. With this option, insurers now have a new, cost-effective data collection option – the telematics and UBI business case has never looked so compelling.

Telematics Bluetooth Device Options

Mobile  Telematics Tracking Signal

Distracted Driving Detection

Distracted driving accounts for 50% of all automotive accidents. With IMS’ Distracted Driving capabilities, insurers can detect distracted behaviors, including time, duration and even severity level of smartphone usage while driving. 

The information is displayed to the driver, for distracted driving coaching and safety awareness purposes, with the goal of reducing driving behaviors that lead to significant accidents.
Distracted Driving Solution

Distracted Driving Detection Severity Levels:

Low – Use of a vehicle BT speaker or headset/AUX cable.
Mid – Phone call using a cell phone speaker or normal phone speaker.
High –  Handling of the phone, for example, texting or browsing.

*Distracted Driving Detection is only available for Mobile Telematics.

Mobile  Telematics Tracking Signal

Mobile Analytics

You now have the ability to leverage IMS’ unique Business Center to monitor mobile users and ensure mobile activations after enrollment. Manage and maximize customer adoption to get the most out of your UBI program.

OS and Android

Device & OS Compatibility

The solution works on both iOS (iPhone) and Android platforms.


IMS Try and Buy Mobile Solution

UBI Discount App

As a complement to the IMS mobile insurance telematics solution, IMS has developed Try and Buy. Try and Buy is designed as a marketing and customer acquisition tool, providing prospective policyholders with an opportunity to experience the program without having to first enroll. Insurance companies can set the duration and mileage required as a configurable value, capturing sufficient driving data via smartphones to generate an anticipated discount that is displayed back to the driver.

Users of Try and Buy will also get to experience trip scoring, trip display functionality and gamification that is also available in the full IMS Mobile offering.

Mobile Telematics Apps

Connected Car and Telematics Data Security

IMS delivers a strong IT value proposition that enables IT leaders to confidently deploy connected car services and solutions and create new revenue streams and programs. The foundation of the IMS service platform is based on end-to-end security, integrity of collected data, and information availability.

IMS solutions meet strict IT requirements for our customers including:

  • End-to-End security: End-to-end policy and process to ensure secure management of client data.
  • Data collection integrity: Checks and balances in place to identify anomalies and avoid data corruption.
  • Information availability: High availability, load balancing, and internal redundancy resulting in high levels of system uptime and ensuring that clients of IMS (and the client’s customers) have access to their data when they want it.


Deploy a Connected Car Solution With Confidence: Get Our Connected Car and Telematics Data Security White Paper >

Financing Options

If your company is looking to enter the mobile usage based insurance (UBI) market, but is concerned about extensive start-up costs or a lengthy program development phase, IMS has financing solutions that will help you overcome these obstacles.

Mobile Model
IMS provides a mobile-based UBI as a subscription SaaS model.

Download Usage based Insurance White Paper

Download White Paper – Comparing Mobile Apps, Hybrid Bluetooth and OBD-II Solutions

Please note: You will receive an e-mail containing the access link. Only completed forms will be processed.
(* Required Fields)

First Name (*required)

Last Name (*required)

Email (*required)

Company (*required)

Job Title (*required)


Send us a message or Describe any challenges you face:

*Would you like an IMS Solutions Expert to contact you immediately?
I agree to receive product information, newsletter containing news, updates and promotions regarding IMS's products and services. You can withdraw your consent at any time.
  We respect your privacy, please refer to our Privacy Policy or Contact Us for more details.


Powered by IMS DriveSync

Usage-based insurance is powered by our intelligent connected car platform DriveSync®. What this means is that your organization can now provide your customers with a variety of value-added connected car services, in addition to this specific program. The DriveSync® connected car platform offers services that connect drivers to their cars, drivers to other drivers and drivers to their surroundings– turning any vehicle into the ultimate connected car.

DriveSync Platform - Insurance Telematics - Usage based insurance solution

What does this mean? Your customers can start with IMS UBI Intelligence, and add-on Infotainment services, such as voice-powered text and email, Internet radio, Facebook and Twitter updates. Other telematics and valued-added services can also be added, including young drivers programs, fleet monitoring programs, roadside assistance, vehicle health and more. Customers benefit with a broader, more enticing connected car experience that saves time, money and lives. Your organization benefits with new revenue-generating services that also help lock in customers. Start with a program today and expand with new services in the future – it’s that easy.

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