Telematics feature of Property and Casualty Mobile Apps leverages the built-in sensors that are readily available on user’s smartphones. It captures high-fidelity driving data without the need to rely on aftermarket hardware devices, and at a fraction of the cost.

The telematics feature also provides sophisticated algorithms and advanced trip analytics to identify events such as excessive acceleration, speeding, hard braking and cornering, and to compute metrics based on the captured data.

These metrics then assist policyholders in improving their driving behavior, which in turn directly benefits insurers in minimizing their claims related expenses. Insures can then use the results from the analytics to better understand their underwriting risks.

The information can also be used in making accurate pricing decisions and in rewarding policyholders for good driving behavior.

As insurers move toward Usage Based Insurance (UBI), the information gleaned from the trip analytics will become increasingly more valuable.


Intuitive User Interface and Trip Scores

Along with capturing the telematics data, a highly intuitive user interface displays all of the relevant information on a real-time basis, which includes time, location (latitude, longitude) and vehicle speed. Further, a set of algorithms that runs on the user’s smartphone identifies any faulty driving incidents (excessive acceleration, hard braking and cornering), and displays a cumulative count of those events on the user’s device.

The Jarus App monitors the mobile data connectivity and periodically transmits the logged data to the carrier’s backend system. Once the entire trip data has been collected and transmitted, powerful algorithms running on the backend servers calculate the user’s Trip Score – essentially a measure of how well the driver is operating the vehicle on a scale of 0 to 100, with 100 being faultless.

telematics-User Interface and Trip Scores

Subsequently, the user’s Trip Scores and recorded routes are overlaid on a map along with special symbols to mark location, type and severity of the faulty driving incidents.

By clicking on those markers, the user can zoom in to examine those incident areas in detail.



Benefits to the policyholders

  • Monitor and improve driving behavior
  • Learn to recognize and avoid unsafe driving conditions
  • Improve fuel efficiency
  • Monitor driving behavior of teen drivers
  • Receive discounts if the Insurer rewards good driving behavior

Benefits to the Insurers

  • Encourage safe driving
  • Minimize claim expenses
  • Understand the risks better
  • Use the data in underwriting and rating
  • Improve overall policyholder experience

Key Features

  • Leverages the flexible architecture and solid foundation of Jarus Mobile Apps
  • Relies on sensors on smartphones that users already own; This eliminates the need for costly aftermarket hardware devices
  • Real-time capability to process the data directly on the smartphones
  • Intuitive and native mobile user interface to display faulty driving incidents such as speeding, excessive accelerations, hard braking, and cornering. This helps the users to monitor and adjust their driving habits on a continuous basis
  • Location, type and severity of faulty driving conditions are overlaid on a map which makes it easy to relate to and understand specific situations
  • Trip Scores help to track and compare the driving behavior over a period of time and with other drivers
  • Telematics is an integrated feature of the Jarus P&C Mobile App, and hence there is no need for multiple apps to handle separate functions
  • Insurers have ready access to the historical telematics data across multiple users. They can perform any type of in-depth analytics, and use the results in making underwriting and pricing decisions

Technical Highlights

  • Superior architecture with clear separation of data collection, analytics and user interface modules
  • Type of data collected:
    • Time of day
    • Location (Latitude, Longitude)
    • Vehicle Speed
    • Vehicle Turn Rate
    • Linear Accelerations
  • GPS sensors provide highly accurate location and speed data
  • Ability to tune existing algorithms or flexibly add new ones to suit a particular Insurer
  • Works well even if mobile data connectivity is not available. The app caches the data and transmits it to the backend when the network is available
  • Supports popular iOS and Android smartphones