Each month of engagement with telematics apps reduces speeding time per trip up to 15%

Telematics technology has enabled insurers to learn, almost in real-time, about the driving behavior of their users. But as the data is collected, they are also realizing the power of telematics to effectively change driving behavior.

Are telematics users prone to drive less risky? Can the use of telematics apps really have an effect on their driving?


How driving behavior data can become a powerfull tool for achieving insurance company business goals.

A clear “yes” is the answer to both questions. Our latest research, based on several years of data across several countries, provides strong indications confirming these answers.

Our analysts investigated how engagement (in terms of a number of months users use the apps) and the number of trips recorded on average per month affect risky driving indicators: over-speeding instances per trip and risky maneuvers (ABC: acceleration, braking, cornering).

The data indicates that increase in the use of the app by one month decreased average time spent in over-speeding per trip by 5 to 10%. Moreover, the number of risky ABC maneuvers per trip declined by 15 to 20% with every additional month of app usage. When the engagement was measured as the number of trips recorded per month the results have been very similar. They have a strong and significant effect on the improvement of driving behavior.

However, we advise caution in the interpretation of such results. Numbers may vary not only due to varying local conditions or driving culture but also based on the type of incentive programs and rewards offered by the insurance companies.

What we have learned so far is that a well-trimmed incentive program can lead to dramatic changes in driving behavior, leading to reduced claims. Telematics programs need to be adjusted to motivate both long-term and regular use of the apps, and insurers should not be afraid of combining incentive mechanisms.  So, the key to reducing claim risk seems to be in user engagement.  

Did you know that users of Amodo app have a 60% lower probability to be involved in an accident with fatal injuries?

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