IMS | UBI Intelligence

Usage-Based Insurance for Personal Lines

UBI that helps you stand out from the crowd.

Break out of Market Conventions and Succeed in Usage-based Insurance

Insurance telematics and usage-based insurance (UBI) programs continue to roll out across the globe. With a rapidly changing competitive landscape it’s increasingly difficult to select the correct business models to ensure success. In fact, many programs are starting to look alike – with a focus on price discounts resulting in an inevitable race to the bottom. With the entire industry moving in this direction, only a subset of companies will succeed.Your organization has an opportunity to stand out from the crowd. The key to success is a differentiated and targeted program. IMS UBI Intelligence enables auto insurers to create uniquely targeted programs based on your needs and objectives. Our solution is based on an agile, end-to-end platform that enables speed to market without sacrificing flexibility to create programs targeted at your policyholders.

Usage-Based Insurance Datasheet

Usage-Based Insurance Datasheet

Comparing Mobile Apps, Hybrid Bluetooth and OBD-II

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



Why IMS UBI Intelligence?


IMS UBI Intelligence delivers on the promise of being the premier, most complete UBI solution, offering a one-stop shop for an insurer’s UBI needs - no additional suppliers or multiple partners to work with.



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One-stop shop for program needs

IMS UBI Intelligence offers insurers a single source provider for all their UBI program needs, including hardware, logistics, support, secure data warehousing, data analytics, driver portals and more. No need to deal with multiple suppliers and partners.

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Fully Customizable Solutions Without Sacrificing Speed to Market
IMS UBI Intelligence provides the best of both worlds: 1) a turnkey approach to improve time-to-market while also 2) being customizable to branding and program requirements.
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Value-added Services for Future Revenue Opportunities
IMS UBI Intelligence is powered by DriveSync® – IMS’ connected car platform – providing insurers the ability to roll out future revenue-generating services to current customers. Examples of value-added services include: infotainment, roadside assistance, vehicle health and more.
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Ability to Offer Differentiated and Segmented Programs
IMS UBI Intelligence provides solution options so insurers can create targeted, differentiated programs for specific audiences and geographies.
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The Best UBI Experts in the Industry
Access to a team of subject matter experts with the experience and best practices developed by working with numerous insurers around the globe.
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Flexible and Scalable Architecture
IMS' award–winning technology services platform is future-proofed for years to come and offers an unmatched solution that will help ensure the success of your UBI program in today’s competitive marketplace.

Insurance Telematics Solutions Options

Insurers can now boost profitability by tailoring their program strategy to each customer and product in their portfolio. IMS UBI Intelligence provides a wide range of solution options for all types of program and segmentation needs:



Personal Lines

Personal Lines

Offer your auto policyholders the benefit of insurance discounts along with value-added services, all while encouraging better driver behavior which results in fewer claims.

Commercial Lines UBI

Commercial Lines UBI

Differentiate and enrich your commercial auto insurance offering to take advantage of UBI data while providing a fleet management product that addresses real fleet business needs, including cost savings. With an easy-to-use solution that provides fleet savings and improved driving behavior, both you and your commercial clients win. Learn more about Commercial Lines UBI >

Variable-Based Programs

Variable-Based Programs

Track mileage, time of day, driver behavior, program length and more.

Time-Based Insurance (TBI) Programs

Time-Based Insurance (TBI) Programs

Track actual vehicle usage and vehicle inactivity.

Single and Multiple Segmenting

Single and Multiple Segmenting

Target segmented groups such as young drivers, mature drivers and more.






Data Collection Options

As the only true data source agnostic solution on the market, we work closely with you in choosing the right technologies to adopt to ensure you achieve your growth goals and potential. We make the whole process of a successful launch as simple and easy as possible.


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Multiple UBI Deployment

Mobile, OBD, Bluetooth® Wireless Technology Enabled Devices, Hybrid and OEM: Insurers can now easily retrieve vehicle information and driving data through multiple deployment options to reach the intended objectives and goals of a program – including segmentation options that meet the full needs of their book of business.

Explore Data-Agnostic Collection Options >


The DriveSync connected car platform can leverage data from multiple sources including OBD telematics devices, mobile app-based solutions and automotive OEM systems to ensure that your business is ready for growth and change.

Mobile Telematics Solutions

IMS offers a number of new innovative smartphone telematics offerings to meet your specific telematics needs.

Explore Mobile Telematics >



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.

Usage-Based Insurance for Commercial Lines

Explore IMS UBI Intelligence for Commercial Lines

A unique and compelling telematics program.

Customization and Flexibility Options

IMS UBI Intelligence offers an unmatched solution that will help ensure the success of your program in today’s competitive marketplace.


Telematics Insurance Risk Scoring Customization

Create customized scoring for both vehicle and driver with a suite of scoring variables while keeping the safety of your policyholders front and center.

Custom Scoring options for Insurance Telematics and Mobile Telematics

API Integration

Unleash the power of a comprehensive suite of interfaces that allows you to create differentiated solutions based on your strategy and target market. Build highly differentiated, bespoke solutions or leverage our reference applications to get to market quickly.


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Secondary Driver Option

Give policyholders the flexibility of viewing driving data of secondary drivers to promote safer behavior. You also benefit from the ability to design differentiated programs targeted at new segments, such as multi-driver families, new driver coaching programs and car sharing.

Succeed in Insurance Telematics with our leading end-to-end UBI solution.

Flexible Scoring and Rating

Flexibility is key to a smooth big data and analytics journey. We offer 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:

  1. IMS' internal analytics teams.
  2. Your existing actuarial models refined by IMS.
  3. IMS' analytics partners.

Unique Rating Systems:

Create differentiation through a unique scoring system.

Expanded Scores:

Leverage a selection of scoring variables for your algorithms.

Scoring UX:

Display scoring and events in an easy to understand experience for policyholders.


Explore Scoring and Rating

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IMS UBI Intelligence Components

For Auto-Insurers

All the tools you need to manage and administer a successful UBI program.



For End Users

One deployment, using the DriveSync platform, can support both sides of your insurance business – personal lines and commercial lines users.



Benefits for auto insurers

Benefits for drivers

  • Increase loyalty of current policy holders & attract new customers
  • Generate revenue via value-added services
  • Lower risk, cost and claims
  • Personalized auto insurance premiums
  • Increased driver education & improved driving skills
  • More awareness for better preventative maintenance 

Discover IMS Rewards - Capitalizing on a Rewards Program That Really Works for Insurers

Learn More

Improve Loss Ratios and Simultaneously Encourage Safe Driving Practices


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.





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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