Usage-based Insurance (UBI).

Offering UBI for insurance advisors, online labels and insurers with Risk, an InsurTech Service Provider

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Background

Background

RISK is an Insurtech service provider and MGA for brokers, insurers, and affinities. RISK developed InsureApp, in order to automatically adapt to users’ needs and offer personalized insurance, RISK needed a technology partner to provide users’ driving behavior insights. The user receives instant service and instant insurance directly in the app.

Solution

Solution

Together, we implemented Driving Behavior Analysis to monitor key driving events including speeding, hard brakes and turning, rapid acceleration, and phone usage. We also used Multimodal Mobility Profiling to understand users’ mobility profiles with multiple types of transportation modes, and finally Trip Context Detection to understand the purpose of a trip.

Impact

Impact

Enhanced personalization for users, and advanced risk management for better assessments that result in better, more innovative insurance offerings.

Key takeaways

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Driver-centric UBI with hyper-personalization

RISK leverages Sentiance’s driving behavior and context insights to enable deeply individualized insurance pricing and service.

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Real-time detection of high-risk behaviors

By monitoring key events like speeding, harsh braking, and phone usage, RISK provides insurers with precise risk profiling beyond traditional proxies.

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Contextual mobility profiling beyond the car

Sentiance’s platform captures multimodal trip context (time, locations, transport modes), enabling risk assessment that factors in lifestyle and trip purpose.

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Enhanced UBI model with predictive accuracy and scale

Built on mobile‑first edge‑AI and driver DNA profiling, this UBI approach translates into scalable, cost‑efficient insurance innovation for brokers and insurers.

"We have had a partnership with Sentiance already for years. In those years, we've seen Sentiance as a business and sparring partner, no-nonsense and focusing on the future. With their intelligence-driven, data-minded, and behavioral insights Sentiance is an essential value for the area of UBI."

Tony Dingemanse

Director Ventures, RISK

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Sentiance is the leader in motion insights. Our mission is to save lives every day and shape the future of road safety. Unlike telematics companies, we focus on the driver and not the vehicle because most accidents are caused by human error.  

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