Industry Solution
Driver Behavior Data for Underwriting. Fleet Intelligence for Claims.
Insurance is a data business. For insurers and fleet-insuring organizations, Open VTS delivers the telematics layer for usage-based insurance programs, driver risk scoring, claims investigation fleet management, and field investigator route optimization.
Explore Insurance SolutionsWho this is for
Insurance product managers, actuarial teams, motor liability underwriters, claims investigation managers, and field operations directors at insurance carriers and fleet-insuring organizations.
Challenges
Data gaps in motor insurance operations
Underwriting lacks real driving behavior data
Traditional motor insurance prices risk from proxies — age, location, vehicle type. Without telematics-grade driving data, underwriting models miss the actual behavior that drives loss ratios.
Claims investigation fleets are untracked
Field investigators and loss adjusters drive to accident sites, repair shops, and claimant locations daily. Without tracking, managers can't verify visit completeness or optimize routes.
No objective data for disputed claims
When policyholders dispute accident circumstances, insurers lack independent vehicle movement data to corroborate or challenge claim narratives.
UBI program infrastructure requires a data platform
Launching a usage-based insurance product requires a telematics data pipeline. Building or buying a cloud-dependent one creates vendor lock-in and data custody concerns.
Use Cases
Open VTS for underwriting and claims
Driver behavior data collection for UBI
Collect telematics data — speed, acceleration, braking, cornering, mileage, time-of-day driving — for usage-based insurance scoring models. Self-hosted for full data control.
Risk scoring and portfolio analytics
Aggregate driving behavior data at the portfolio level to identify high-risk segments, validate pricing models, and refine actuarial assumptions with observed data.
Claims investigation fleet tracking
Track field investigators and loss adjusters. Verify site visits, optimize daily routes, and generate activity reports per investigator.
Incident reconstruction from GPS data
Use GPS trail data, speed logs, and event timestamps to reconstruct vehicle movements surrounding a claimed incident — providing objective evidence for claims assessment.
Capabilities
Telematics and investigation tools
Driving Behavior Analytics
Score drivers on speed, acceleration, braking, cornering, and time-of-day driving. Output structured data for actuarial and UBI scoring models.
Trip-Level Telemetry
Detailed per-trip records including distance, duration, speed profile, event counts, and route characteristics — the raw material for UBI pricing.
Investigator Route Optimization
Multi-stop route planning for field investigators with visit priority, location clustering, and drive-time estimates.
Visit Verification
Geofence-based confirmation that investigators visited claimant locations, repair facilities, and accident sites — with timestamps and dwell durations.
Incident Timeline Reconstruction
Query historical GPS data for any vehicle around the date and time of a claimed incident. Rebuilt timelines with speed, position, and event data.
Data Export API
Structured data export for actuarial systems, BI platforms, and claims management software via REST API and batch file export.
Fleet Context
Insured and investigation fleet vehicles
Policyholder vehicles (UBI program)
Insured personal or commercial vehicles equipped with telematics devices for behavior-based premium calculation.
Claims investigation vehicles
Company vehicles or personal cars used by field investigators and loss adjusters visiting claim sites.
Motor assessor vehicles
Vehicles used by damage assessors traveling between repair shops, salvage yards, and accident locations.
Corporate fleet (insured portfolio)
Enterprise fleet vehicles insured under commercial motor policies where telematics data supports portfolio risk management.
Outcomes
Underwriting accuracy and fraud detection
Price risk from behavior, not proxies
Telematics data gives underwriters observed driving behavior — enabling more accurate, fairer, and more profitable pricing models.
Detect fraudulent claim patterns
GPS trail data provides objective evidence of vehicle movements that can corroborate or contradict claim narratives.
Improve investigator productivity by 25%+
Route optimization and visit verification eliminate wasted travel time and ensure investigators complete their full daily case load.
Own your telematics data infrastructure
Self-hosted deployment means policyholder driving data stays on your infrastructure — no vendor lock-in, no third-party data custody concerns.
Compliance & Safety
- GDPR and data protection compliance for policyholder telematics data collection
- Insurance regulatory requirements for UBI program data handling and consent
- Claims evidence chain-of-custody for legal and dispute resolution documentation
- Data residency requirements for financial services and insurance organizations
FAQ
Insurance telematics FAQ
Open VTS provides the telematics data collection and driver behavior scoring layer. It feeds structured data into your actuarial and pricing models. You would integrate it with your policy administration system for the full UBI product workflow.
Speed, harsh acceleration, harsh braking, sharp cornering, speeding events, idle time, mileage, trip times, and time-of-day driving patterns — all at the trip level and aggregated per driver.
Consent management is part of your UBI program enrollment process. Open VTS enforces data collection only for devices that are provisioned in the system. The platform does not manage consumer-facing consent flows directly.
Yes. Historical GPS data can be queried by vehicle, date, and time range. The system returns the full GPS trail with speed, position, and event data for incident timeline reconstruction.
Open VTS tracks GPS hardware devices. For phone-based investigator tracking, a lightweight mobile agent app could feed positions into the platform via the API — depending on your implementation.
Telematics Intelligence for Insurance
Driver behavior data, UBI program infrastructure, and investigation fleet tracking — built on a platform you own.