Integrate smartphone-based telematics into your insurance products to capture real driving behavior, score risk continuously, and power usage-based programs — all through your policyholders’ existing mobile devices, with no hardware to deploy.
Per-Trip
Risk Scoring
Crash Event
Detection
100+
Behavioral Parameters
Zero
Hardware Required
Traditional underwriting relies on demographic proxies — age, location, credit score — rather than actual driving behavior. Without continuous risk measurement, insurers cannot differentiate drivers who share the same profile on paper but behave very differently on the road.
Damoov’s SDK captures per-trip driving data from policyholders’ smartphones: speeding, harsh braking, rapid acceleration, cornering, phone distraction, and time-of-day patterns.
That continuous behavioral stream is a stronger foundation for risk segmentation, pricing models, and portfolio analysis than static rating factors alone.
Most insurers interact with policyholders only at renewal, billing, or claims — missing the opportunity to build ongoing relationships, encourage safer behavior, or demonstrate value between policy milestones.
Damoov provides the behavioral data and engagement building blocks: safety scores, driving tips, reward tokens (Drivecoins), and gamification mechanics.
Insurers use them to build in-app experiences between renewals — more frequent contact, better retention.
When accident-related data is limited to policyholder self-reports, claims assessment depends on incomplete, subjective information. This slows adjudication, complicates liability determination, and creates opportunity for misrepresentation.
Damoov’s SDK captures crash event data: sensor readings, GPS coordinates, trip context, and pre-incident driving behavior.
Insurers can fold that timestamped file into claims workflows alongside traditional evidence.
Launching a telematics-based insurance product traditionally requires selecting hardware, managing device logistics, building data infrastructure, and navigating lengthy integration cycles — often delaying market entry by 12–18 months.
Damoov’s SDK removes the hardware layer. Integrate it into the insurer’s mobile app and driving data starts flowing.
With ready-to-use APIs, configurable scoring models, and a scalable data platform, telematics programs can launch in weeks rather than months.
Move past demographic rating factors. The SDK measures acceleration, braking, cornering, speeding, phone distraction, and time-of-day exposure on every trip.
Per-driver risk scores and behavioral breakdowns flow through APIs so actuarial and underwriting teams can refine segmentation and support usage-based pricing.
Per-Trip
Risk Scores
100+
Behavioral Parameters
The SDK detects crash events using smartphone accelerometer and GPS data. It captures sensor readings, impact context, coordinates, speed, and pre-crash driving behavior.
This structured crash payload is delivered through APIs and webhooks — objective, timestamped evidence that can supplement claims intake, support subrogation, and add context to liability assessment.
Sensor-Based
Crash Detection
Timestamped
Event Data
Turn the insurance app into something policyholders open between renewals. Damoov is the data layer for in-app driving scores, personalized safety tips, reward tokens (Drivecoins), and gamification mechanics.
Insurers build those into experiences that encourage safer driving and create value beyond the policy itself.
Scores, Tips
& Rewards Data
SDK-Powered
Engagement Layer
Launch opt-in telematics programs where policyholders share driving data in exchange for personalized pricing. Attract better risks into your portfolio, differentiate your product, and build pricing models grounded in actual behavior rather than proxies.
Use continuous driving behavior data to support behavior-based pricing models. Per-trip scores and behavioral breakdowns give underwriters the granularity to move beyond age and zip code toward risk assessment based on how each driver actually operates.
Provide structured driving data for programs targeting new drivers — safety scores, behavioral event tracking, and trend data that support coaching, parental visibility, and incentive structures tied to demonstrable improvement over time.
Eliminate device procurement, installation, cellular plans, and ongoing hardware maintenance. Mobile telematics is a pure software model — no physical inventory and no replacement cycles.
Forget firmware rollouts and device recalls. With mobile telematics, configuration changes and model updates go live in hours, not months — across your entire user base. And because modern smartphones pack powerful processors and advanced sensor arrays, you can run sophisticated algorithms on-device that no dedicated hardware tracker can match.
Stream telematics data into your fleet management, insurance, or mobility platform through well-documented APIs. No middleware, no custom connectors — just clean integration that fits your existing technology stack.
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