Mobile telematics driver-scoring app for an InsurTech company

To enable new revenue streams, our customer aimed to develop an accurate, low-cost mobile telematics app for insurers to measure driving behavior without hardware and run pay-as-you-drive insurance programs. Itransition built native iOS and Android mobile applications that passively records trips, converts sensor and GPS data into insurer grade driving scores, and delivers actionable insights to drivers and insurers via a mobile interface.

+15%

telematics policy sales growth

+10%

recurring revenue from data subscriptions

New sales channels

enabled

Mobile telematics driver-scoring app for an InsurTech company

All technologies used

Swift

Kotlin

Engagement model

Full project outsourcing

About the customer

Our customer is a UK-based company that provides a digital insurance platform, telematics solutions and white-label mobile applications. Their technology helps insurers to introduce usage-based products and simplify claims handling. The company’s focus is turning consumer smartphones into telematics sensors, while offering modular, insurer-grade services that remove the burden of in-house development.

Industry

Software & Hi-tech, Insurance

Location

UK

Company type

Private

The challenge

The customer had a detailed business plan and clear vision for the product, but they lacked necessary mobile expertise and mature development practices needed to build the solution within the planned timeline.

The customer needed a tech partner who could:

  • Build native iOS and Android applications aligned with their vision and business requirements, and guarantee their quality
  • Provide the technical skills required to implement complex scoring algorithms

The solution

Itransition delivered a mobile‑first telematics application using Swift for iOS and Kotlin for Android. Our team also used Beacon technology to handle complex scoring calculations and integrates with native mobile sensors. The solution automatically records trips running in the background, tracks and analyzes driving behavior using built-in sensors and GPS, and convert the data into insurer-grade scores. These scores give various insights to both drivers and insurers through an intuitive mobile interface.

This application is a low‑friction, scalable way to measure risk and influence drivers’ behavior instead or in addition to traditional hardware devices. It supports usage-based pricing, strengthens claims evidence, and improves clients’ engagement. Offered as a white‑label app, SDK, or API, the solution allows insurers to quickly launch usage‑based products, monetize anonymized analytics, and open new client channels.

Core capabilities
  • Automatic trip recording
    captures trips in the background with the smartphone sensors, GPS and Beacon technology.
  • Driving behavior analysis
    evaluates speed, braking, cornering, and distraction indicators to calculate risk scores.
  • Scoring engine
    converts raw trip data into reliable driver adequacy scores (per-trip and per-driver) for pricing and risk management.
  • Claims support features
    provides contextual trip evidence and incident reporting tools to make the claims handling more efficient.
  • Client engagement tools
    offers personalized data on driver’s behavior, coaching tips after each trip, gamification, and reward programs to increase client loyalty and to motivate drivers to be more cautious.
  • Flexible deployment options
    the app is available as a white‑label app, SDK, or API which makes the integration into insurer system faster.
  • Analytics and insights
    provides anonymized data for portfolio analysis, assessment, and new revenue streams.

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Turn to Itransition

The outcome

Itransition successfully delivered a native mobile telematics application for insurers that allowed the client to:

01

Monetize anonymized analytics and insights

02

See 7pp improvement in customer retention in 12 months due to coaching tools and rewards programs

03

Achieve increased driver engagement

04

Ensure 15% faster time-to-market due to faster integration and partner launches

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