Driving data has long been hailed as the most accurate, predictive indicator of driver risk. In theory, it’s a win-win: safe drivers pay less, insurers price smarter, and the whole system becomes more fair and transparent.

And yet — despite being around for decades and made infinitely easier by modern smartphones — insurance telematics still hasn’t taken off the way it was predicted.

Sentiance believes it’s time to change that.

The consumer benefits are clear — so what’s the holdup?

Usage-based insurance offers real, meaningful benefits:

• Control over pricing: The better you drive, the more you can save.
• Transparency: You understand why your price is what it is.
• Added value: Services and features that make driving more insightful and keep you safer on the road.
• Crash & claims services: Early insight into crash events to enable enhanced cost control

Thanks to mobile sensor technology, all of this should be easy and frictionless to deliver. But most drivers aren’t signing up. Why?

The real barriers

Despite the potential, consumers hesitate to engage with traditional telematics programs. Here’s why:

• 🔒 Privacy & trust concerns: Many worry about how their driving data will be used — or worse, misused. Will they be forced to file a claim? Who actually can see this information? Could it lead to a premium increase?
• ⚠️ Fear of a bait-and-switch: There’s uncertainty about whether initial discounts will stick. People fear being penalized later for minor behavior changes.
• 📱 App overload: No one wants another app on their phone — especially not one they associate with a product they rarely want to think about (like insurance).
• ⏱️ High effort, low reward: Download an app, keep it running, share permissions — all to maybe save $30–$50 every six months? The value exchange isn’t strong enough.

And yet, people share their data every day — for points, rewards, early access, and more.

So how do we unlock that same motivation in insurance?

Meet IQL: The smarter way to earn insurance discounts

Sentiance is launching IQL (Insights Qualified Leads) to break down these barriers once and for all. With IQL, collecting driving data isn’t something users have to do — it’s something they want to opt into.

How it works:

• Our SDK is embedded inside popular consumer apps, like financial apps, driver safety apps, and parking apps — ones users already know and use every day.
• Drivers explicitly opt into a test drive experience. Their driving data is collected for a short time, with the ability to opt-out at any time.
• No personal identifiable information (PII) touches Sentiance servers.
• After enough data is collected, we securely share driving scores with top insurance carriers in the network.
• Drivers with strong scores get matched with exclusive discounts they can’t access anywhere else.

Why IQL works

Why now?

Economic uncertainty is prompting millions to reevaluate their monthly bills — and auto insurance is a prime candidate for savings. According to recent research, insurance shopping has hit record highs, but consumers are still reluctant to switch. IQL bridges that gap.

• It offers real savings without the usual friction.
• It finds the best drivers and brings them the best offers.
• It turns mobility apps into savings engines — without compromising user trust.

Rethink telematics without the baggage

IQL doesn’t just modernize telematics and embedded insurance. It redefines how insurance fits into the consumer experience:

• No bait-and-switch
• No privacy trade-offs
• No app fatigue
• Just clear value, presented in the right context

Get involved. Whether you're:

• A consumer app looking to unlock new revenue and engagement
• An insurer ready to acquire better drivers at better prices
• Or a safe driver who wants a better deal...

IQL is for you! 👉 Curious how it all works? Contact us to learn more.