Motor Insurer Launches Pay-How-You-Drive Product in Four Months
Building a telematics-based usage-based insurance platform on Azure that pricing by actual driving behavior, opening a new growth segment.
Project Overview
The Challenge
Motor insurance was commoditized on price, with little ability to differentiate or attract better risk profiles.
- 1Inability to differentiate on anything other than price in a crowded market
- 2No telematics or behavioral data ingestion capability
- 3Lack of dynamic pricing infrastructure
Our Solution
CloudGate built a complete UBI platform on Azure, ingesting telematics from mobile and OBD-II devices, scoring driving behavior, and feeding dynamic pricing.
- High-throughput telematics ingestion via Azure IoT Hub from mobile and OBD-II
- Driving behavior scoring in real-time on Microsoft Fabric
- Customer-facing app showing driving score and premium impact
The Results
- Captured first-mover advantage in the region's UBI motor insurance market
Technologies Used
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