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 — speeding, harsh braking, rapid acceleration, cornering, phone distraction, and time-of-day patterns — directly from policyholders’ smartphones. This continuous behavioral data stream gives insurers 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 — that insurers can use to create in-app experiences that keep policyholders engaged. More frequent, meaningful interactions support better retention and stronger customer relationships.
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 — including sensor readings, GPS coordinates, trip context, and pre-incident driving behavior — that insurers can incorporate into their claims workflows. This objective, timestamped data provides additional context alongside traditional evidence to support faster, more informed claims decisions.
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 eliminates the hardware layer entirely. Insurers integrate a lightweight SDK into their mobile app, and driving data begins flowing immediately. Combined with ready-to-use APIs, configurable scoring models, and a scalable data platform, insurers can launch or expand telematics programs in weeks rather than months.
Move beyond demographic rating factors to understand how each policyholder actually drives. The SDK measures acceleration, braking, cornering, speeding, phone distraction, and time-of-day exposure across every trip. Per-driver risk scores and behavioral breakdowns flow through APIs, giving actuarial and underwriting teams continuous, structured data to refine segmentation, identify adverse selection, and support usage-based pricing models.
Per-Trip
Risk Scores
100+
Behavioral Parameters
The SDK detects crash events using smartphone accelerometer and GPS data, capturing sensor readings, impact context, coordinates, speed, and pre-crash driving behavior. This structured crash payload is delivered through APIs and webhooks, providing insurers with objective, timestamped evidence that can supplement traditional claims intake, support subrogation, and add context to liability assessment.
Sensor-Based
Crash Detection
Timestamped
Event Data
Turn your insurance app into a platform policyholders use between renewals. Damoov provides the data layer for in-app driving scores, personalized safety tips, reward tokens (Drivecoins), and gamification mechanics. Insurers build these into experiences that encourage safer driving, increase app engagement, and create genuine value that goes beyond the policy itself — supporting stronger retention and lower long-term risk.
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, no replacement cycles, and dramatically lower total cost of ownership compared to on-board diagnostics (OBD) or GPS trackers.
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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