IMS | Mobile Telematics Solutions

Leverage the Latest in Mobile Telematics

Accelerate the adoption of insurance telematics and reward safe drivers with mobile telematics.


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Mobile Insurance Telematics

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

Mobile insurance telematics presents a unique opportunity to transform the telematics and usage-based insurance market by leveraging technology that 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 and Benefits

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

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Safety Scoring Options

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) and more. View Full Scoring Options

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Enable 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.

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Reward Badges

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

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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.

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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.

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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 trip scoring.

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Multi-Language Support

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

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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.

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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.

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Distracted Driving Detection

Distracted driving accounts for 50% of all automotive accidents. With IMS’ Distracted Driving capabilities, insurers can detect distracted behaviors, including duration 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.

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 Detection Severity Levels:

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



*Distracted Driving Detection is only available for Mobile Telematics

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Additional Features

Mobile Telematics

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.

Wi-Fi Only Uploads

Wi-Fi Only Uploads

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


Bluetooth® Wireless Technology Enabled Device Support

For insurers having difficulty making insurance telematics costing work, the mobile solution works with a Bluetooth wireless technology enabled device to provide lower device costs and lower monthly fees. With this option, insurers now have a new, cost-effective data collection option – the business case has never looked so compelling.

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Bluetooth® Wireless Technology Enabled Assist

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

Device & OS Compatibility

Device & OS Compatibility

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

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The Bluetooth® word mark and logos are registered trademarks owned by Bluetooth SIG, Inc. and any use of such marks by Intelligent Mechatronic Systems (IMS) Inc. is under license.


Mobile Telematics Solution Usages

IMS Try and Buy - Acquisition Tool

For Customer Acquisition

As a complement to IMS’ Mobile, 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 the Try and Buy will also get to experience trip scoring, trip display functionality and gamification that is also available in the full IMS Mobile Telematics offering.

Scoring and Rating

Flexibility is key to a smooth big data and analytics journey. IMS offers full flexibility in scoring and rating to precisely assess risk for each policyholder and encourage safe driving.


The right scoring and rating for your business:

  • Flexible Options: Create a scoring and rating model leveraging any of three methods:
  • Unique Rating Systems: Create differentiation through a unique scoring system.
  • Expanded Scores: Leverage a selection of scoring variables for your algorithms.
  • Scoring UX: Displays scoring and events in an easy-to-understand experience for policyholders.


Learn more about:


Explore Scoring and Rating

Safety Score

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, loading balancing and internal redundancy resulting in high levels of system uptime and ensuring that clients of IMS (and the clients' customers) have access to their data when they want it.



Financing Options

If your company is looking to enter the mobile insurance telematics 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 Insurance Telematics Model

IMS provides mobile-based insurance telematics as a subscription SaaS model.


Comparing Mobile, OBD and Hybrid Whitepaper


Whitepaper - Connected Car and Telematics Data Security



This product is powered by our intelligent connected car platform DriveSync®. What this means is that your organization can have access to 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.





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 from a broader, more enticing connected car experience that saves time, money and lives. Your organization benefits from 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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