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 telematics is one of the many diverse technology options for data collection supported by IMS’ analyst-acclaimed and award-winning DriveSync® connected car platform. In contrast to vendors only offering single-point technology solutions for data collection, IMS’ platform approach 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 insurance telematics and usage-based insurance market by leveraging smartphone technology already broadly adopted by consumers, to cost-effectively collect driving behavior data, with an interface and user experience that engage consumers more frequently.

IMS Mobile Insurance Telematics - Features and Benefits

For insurers, IMS Mobile Insurance Telematics makes collecting driving data quick, easy and cost efficient. In turn, policyholders are provided with a variety of in-app services that make for frequent use of in-app functionality with a host of intelligent features, making usage easy and increasing overall user engagement.

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Safety Scoring Options

Enables insurers to create customized scoring while keeping the policyholder’s safety front and center. Available scoring variables include: Acceleration, Braking and Pay as You Drive (Time of Day, Day of Week and Distance). Scoring variables enable insurers to determine driver behavior risk, while policyholders receive coaching and feedback that help improve driver behavior; thereby, helping to reduce overall accidents and claims. Safety scores are also used to assess driver risk and provide drivers with discounts as rewards in usage-based insurance programs. Drivers also have the option to view their Safety Score Trend and Statistics to get insights on how they are improving over time. View Full Scoring Options

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Leaderboards

Enables drivers to view their driving score against other drivers and compete to be the safest driver. Drivers can choose to compete with all drivers in the same digital insurance program, or can create private leaderboards to offer personalized challenges and friendly competition to friends and family. Many insurers tie leaderboard activity to IMS rewards programs, such as prizes, contests and sweepstakes.

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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 Detection

Leverages machine learning to determine whether a recorded trip was taken by the passenger or driver; thereby, ensuring the right engagement with the correct policyholder for driver behavior coaching and feedback. Intelligent Driver Detection leverages patented driver-fingerprint technology to automatically determine who drove – so insurers can rest assured that they are getting the correct driving data needed for driver rating.

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Intelligent Transport Detection

Knows whether a recorded trip was taken in an insured vehicle, on public transportation or using other transportation means. This automatically eliminates trips that should not be included for scoring and coaching purposes – with no user effort required. This feature includes automatic trip start and stop detection to ensure the amount of driving data is maximized while never requiring driver intervention. Drivers remain focused on the right driving behavior scoring feedback, while insurers are provided with the confidence of accurate trip scoring and the correct driving data needed for driver rating.

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Multi-Language Support

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

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Intelligent Push Notifications

Provides an automatic push notifications to drivers when trips have not been processed and for changes to discounts and refunds, ensuring timely user engagement. Insurers no longer have to be faced with intensive manual work to communicate with program users for the same information.

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Secondary Driver Option

Gives policyholders the flexibility of viewing the driving data of secondary drivers (e.g. teen drivers) under their policy to help influence safer driving behavior. Insurers 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 and Subscore

Detects distracted behaviors, including time, duration and even distraction severity level of smartphone usage while driving. The information is displayed to the driver, for distracted driving coaching and safety awareness purposes, along with a distracted driving score, with the goal of reducing driving behaviors that affect the frequency and magnitude of 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

Leverages IMS’ unique Business Center to monitor mobile users and ensure mobile activations after enrollment as well as overall program success. Insurers can manage and maximize customer adoption to get the most out of their insurance telematics 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. Wi-Fi only uploads also ease concerns about data usage by providing a mechanism to prevent data uploads via cellular connection.

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Bluetooth® Wireless Technology Enabled Assist

Improves trip start/ trip end accuracy and lowers costs by leveraging in-vehicle hardware for driver scoring and feedback – all via Bluetooth wireless connectivity to existing or aftermarket vehicle systems.

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

The IMS Mobile Insurance Telematics app also includes an exclusive 30-day free trial version of the IMS Try and Buy capability, allowing insurers to easily evaluate our insurance telematics technology.

Try and Buy is designed as a marketing program 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 the 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.

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Comparing Mobile, OBD and Hybrid Whitepaper

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Whitepaper - Connected Car and Telematics Data Security

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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 IT ALL MEAN?

 

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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