Insurance & ART

Digitalization of insured vehicle behavior to improve risk assessment, personalize policies, and strengthen the insurer-client relationship. Insurance companies looking to incorporate smart mobility technologies into their products to analyze how, how much, and where insured vehicles are used, focusing on prevention, loyalty, segmentation, and actuarial efficiency. Typical use cases include: personalized scoring of the insured based on actual vehicle use, dynamic premium adjustment by behavior, bonuses or rewards for safe driving, detection of risky events or patterns of claims, automatic validation of claims, usage-based coverage (UBI / Pay-As-You-Drive), geographical or behavioral segmentation.

Application cases

Property Insurance

· Driving Scoring: evaluation of the actual behavior of the driver (braking, speeding, usage times).

· Accident Prevention: alerts for high-risk areas, accident patterns.

· Claims and Accident Validation: automated auditing of routes and events (collisions, impacts, location).

· Fraud Management: comparison between the claim statement and digital evidence of the trip.

· Corporate Fleet Protection: traceability of trips, maintenance compliance.

· Dynamic Policies / Pay-As-You-Drive: adjust premiums based on actual use and target risk.

· Policyholder Loyalty: benefits or bonuses for safe driving or low operational risk.

ART

· Monitoring of crews and workers in the field: traceability of tasks, times, and exposure to risks.

· Automatic registration of incidents or accidents in mobility: (vehicles and machines) with digital evidence (impacts, falls, abnormal accelerations).

· Prevention of work-related accidents in mobility: identification of risk patterns before they occur.

· Real-time alerts: when a worker enters a dangerous area or exceeds driving times.

· Objective audit of accidents: complete traceability to verify compliance with labor safety protocols.

· Monitoring of mobile workers: insured individuals who are constantly on the move (e.g.: technicians, inspectors, delivery people).

Value: ensures efficient and transparent use of public assets, reduces operational costs, and reinforces citizen trust in government management.

Value: reduction of fraud, better loyalty, and new lines of innovative products.

Value: transparency in travel management, reduction of operational costs, and improvement in the safety of personnel in mobility.

Value: prevention, objective evidence, reduction of accident rates, and support for claims.

Value: reduction of fraud, better loyalty, and new lines of innovative products.

Value: prevention, objective evidence, reduction of accident rates, and support for claims.

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Works and Operations

Property Insurance

ART

Value: reduction of fraud, better loyalty, and new lines of innovative products.

Value: prevention, objective evidence, reduction of accident rates, and support for claims.