For insurers
Driving data your policyholders agreed to share, scored your way
Collect driving events from phones and telematics units under an auditable consent ledger, and turn them into explainable scores with weights you control. Computed only on your own data, never across organizations.
What you get
Everything between “invite a driver” and “price the risk”
Identified data is enabled per organization once its contract and legal review allow it, and it never feeds the shared products.
Driving events
Hard braking, hard acceleration and harsh cornering from phones and telematics units, normalized per 100 km.
Scores you weight
Five factors combined with weights your organization sets. Every score comes with its factors, the points each cost, and the main reasons.
Consent ledger
Purposes, data categories, notice version and evidence for every grant. Append-only, and a revocation stops ingest at the next upload.
Driver invitations
Invite drivers with a code, a link or a QR. They review your terms in the app and join with one tap, with no account or password.
Trips & usage
Trips, distance, driving time and night share per policyholder and per day, with precision set by what each driver consented to.
Data-subject requests
Export everything held about a person in one file, or delete a person, vehicle or device, trips included, within minutes.
Explainable scores
A formula you can read, with weights you choose
Each factor costs points in proportion to how far it is toward its reference value, up to its weight. Scores are computed on read and never stored, so a change of weights applies everywhere at once.
Driving score explainer
Change the weights the way your organization would.
Score · Steady commuter
86.1/100
412 km
over closed trips
Main reasons: Hard braking (−6.3), Speeding (−3.8)
Points lost per factor
weight (most it can cost) points lost
| Factor | Measured | Points lost of weight |
|---|---|---|
| Hard braking2.1 / 100 km · full penalty at 10.0 / 100 km | −6.3/30 | |
| Hard acceleration1.0 / 100 km · full penalty at 10.0 / 100 km | −1.5/15 | |
| Harsh cornering0.8 / 100 km · full penalty at 10.0 / 100 km | −1.2/15 | |
| Night driving4% · full penalty at 50% | −1.2/15 | |
| Speeding3% · full penalty at 20% | −3.8/25 |
score = 100 − Σ weight × min(1, value ÷ reference)
The five factors
| Factor | Default weight |
|---|---|
| Hard brakingevents per 100 km · full penalty at 10 / 100 km | 30 |
| Hard accelerationevents per 100 km · full penalty at 10 / 100 km | 15 |
| Harsh corneringevents per 100 km · full penalty at 10 / 100 km | 15 |
| Night drivingshare of driving time, 10 pm–5 am local · full penalty at 50% | 15 |
| Speedingshare of time above the posted limit + 5 mph · full penalty at 20% | 25 |
Speeding is judged against the posted limit of the road each position matches. Below your minimum distance (20 km by default) a driver gets no score rather than a volatile one.
How it works
From invitation to score, with consent at every step
- 1
Invite
Create an invitation with your purposes, data categories and notice. Traffica emails the code or you share the QR.
- 2
Join
The driver sees who you are, why you’re asking and what you’ll receive, then joins with one tap. That acceptance is the consent record.
- 3
Collect
The app uploads with its own device key. Consent is checked on every upload, so anything not covered is withheld.
- 4
Score
Trips appear about 90 seconds after they end, and scores are computed with your weights whenever you ask.
Designed for regulated use
Built with the scrutiny of insurance data in mind
Using driving data in insurance can bring the FCRA, state insurance rules and state privacy laws into play. Traffica is designed to support that work, and we review the specifics with your counsel.
- Your data stays inside your organization: no cross-customer scoring, no pooling.
- Every score is explainable: factor values, references, weights and points lost.
- Every read of identified data, export and deletion is in your audit trail.
- Revoking consent stops collection at the next upload; data subjects can get a full export.
- Where a road-data provider’s agreement allows it, you can also license aggregate road-risk products such as hard-braking hot spots.
Launch usage-based insurance on consented data
Tell us about your program and the drivers you’d invite, and we’ll show you how Traffica fits.