Calculate motor tariffs based on driving behaviour

Motor insurers offer tariffs based on actual driving behaviour

Needs setupAI Act: no extra obligationsManaging prices & offersFinTech & payments, Insurance, Automotive

Fits: Finance & accounting

Careful drivers pay less, and you assess risk more accurately than with age, place of residence and vehicle alone. Clear feedback in the app can improve driving behaviour.

Is this for you?

  • You offer motor insurance and have an app, a plug-in device in the vehicle or access to vehicle data.
  • The actuarial, data protection and IT teams can support a project over many months.
  • The tariff is to be voluntary, and the traditional tariff remains.
First step today

Make up eight test profiles with mileage and driving characteristics and use the template below to run through a simple discount rule. Pay attention to which profiles would be treated unfairly because of missing values or night driving. Do not use real driving data.

How to go about it

  1. Define the discount goal, driving characteristics and limits
  2. Link driving data with claims and contract data
  3. Set up the score and tariff levels
  4. Run the score in parallel in a test group first
  5. Grant discounts step by step
  6. Check claims experience and customer reaction

Templates to copy

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Plan the rollout
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Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

See the trainingOne-off per person, no subscription

Same approach, other use cases

6 more use cases follow the pattern “Managing prices & offers”.

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FT-05 · Legal status 08.10.2026