TECH & AI
TELEMATICS IN MOTOR INSURANCE
Telematics technology uses GPS tracking, accelerometers and gyroscopes to monitor driving behaviour including speed, acceleration, braking patterns and cornering forces. Motor insurers deploy telematics through smartphone applications or physical devices installed in vehicles to collect real-time data on individual driver performance. This technology enables usage-based insurance models where premiums reflect actual driving behaviour rather than demographic assumptions. Insurers can identify high-risk driving patterns such as harsh braking, rapid acceleration or excessive speeding to adjust pricing and offer targeted safety interventions. The data also supports claims validation by providing objective evidence of accident circumstances, helping insurers detect fraudulent claims and improve settlement accuracy. sustainable mobility.“ The partnership with Mastercard strengthens our commitment to smarter and more sustainable mobility,” he says.“ Together, we are offering insurance companies a new, more proactive and engaging way to interact with their customers, by providing an effective tool to reward positive behaviour.”
Corrado says the platform helps drivers improve road safety and reduce accidents and emissions.
The telematics data collected through OCTO’ s platform provides insurance companies with detailed insights into
94 August 2025