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Mileage-Based Insurance Telematics Programs

New developments in mileage-based insurance telematics are giving insurers an additional edge.

Our mileage program with AMA Our mileage program with Nationwide

Driving habits have evolved.

Mileage-based insurance (also known as pay-as-you-drive/PAYD) gives policyholders greater control by linking premiums to actual usage. However, the majority of mileage-based programs in market are limited and only track actual mileage travelled, but today’s customers expect more than just pay-per-mile. Having already accepted the data-sharing aspect, they’re looking for a more compelling value exchange—programs that also recognize and reward safe driving behavior.

Hybrid work, shifting lifestyles, and rising costs are prompting people to seek ways to save—starting with insurance that reflects how much, and how safely, they drive. At the same time, insurers face growing cost pressures amid inflation and hardening markets, making scalable, cost-efficient solutions more critical than ever.

We have the technology and the expertise to support you in offering your customers more personalized insurance programs and services. This will not only meet expectations, but to lead in a competitive, data-driven market.

Flexible integration and data collection options

Our solutions are designed to fit seamlessly into your existing infrastructure while offering multiple paths to accurate mileage capture and policyholder engagement.

Traditionally usage-based programs focused on the mileage accuracy of telematics, not leveraging the benefits of behavioural-based feedback and coaching opportunities. However, We’re taking usage-based (PAYD) insurance to another level., Our technology and experience allows you to incorporate behaviour risk into the mix and give drivers a truly personalised premium and experience as a result.

 

Choose your integration path:

Option 1: Use IMS One App
Leverage our industry-leading mobile telematics app, proven to influence driving behavior and deliver a frictionless user experience.

Option 2: Embed with IMS One App SDK
Already have your own app? Easily integrate IMS’s telematics capabilities using our SDK to maintain brand continuity while unlocking powerful features.

Option 3: No app interface (not a recommended option to reduce your loss ratio)
Keeping your mileage-based program simple, drivers plug in, the driving data get collected in the background and users do not interact with their policy.

Select Your Data Collection Sensor

Each option offers different levels of precision and policyholder engagement. Choose based on your mileage accuracy needs and policy design.

1. App + OBD device Combo (recommended)

Pros: Best of both worlds — precision + engagement Why it's our recommended path: Accurate mileage tracking via OBD Rich engagement via app and outside of app: trip details, scoring Rich engagement through real-time messaging: payment updates, mileage thresholds, and coaching on driving behavior, and even rewards

1. App + Wedge (tag) Combo (also recommended)

2. App-only (Smartphone Sensors)

Pros: No hardware required, easy to deploy Cons: Less precise for mileage capture Best For: Validating low-mileage claims in self-declared PAYD models

3. OBD-II Device Only

Pros: Highly accurate mileage data Cons: Misses smartphone-based insights like distracted driving and FNOL Best For: Strict pay-per-mile propositions requiring near 100% accuracy

OEM Data Integration

Pros: High-fidelity data directly from the vehicle Cons: Requires OEM partnerships and data access Best For: Advanced programs with direct vehicle connectivity

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🔍 Mileage Accuracy Considerations

Your choice depends on the type of PAYD (Pay-As-You-Drive) proposition:

  • Strict PAYD: Requires near-perfect mileage capture — OBD or OEM data is essential.
  • Flexible PAYD: For self-declared low-mileage drivers, app-only solutions can validate usage without needing full precision.

Engaging policyholders in mileage-based programs

Drivers who opt into telematics-based policies are often cost-conscious and risk-aware. By offering additional value — like rewards for safe driving, personalized coaching, and real-time feedback — insurers can differentiate their offering and attract high-quality policyholders who are less likely to file claims.

 

Traditionally usage-based programs focused on the mileage accuracy of telematics, not leveraging the benefits of behavioural-based feedback and coaching opportunities. However, We’re taking usage-based (PAYD) insurance to another level., Our technology and experience allows you to incorporate behaviour risk into the mix and give drivers a truly personalised premium and experience as a result.

 

Features & Benefits

Do you have the best options for your policyholders?

Features

  • Full trip collection accuracy – no mileage-loss
  • Driving behavior data, and distraction driving capture
  • Frictionless experience – no Bluetooth pairing required
  • Full engagement suite of optional features – coaching, rewards for safe driving, right-time messaging
  • App FNOL data – test & learn by correlating mileage driven to relative risk using actual claims data

Benefits

  • Only UBI offering on the market proven to improve driving behavior and your claims loss ratio
  • Solves profitability challenges in high premium, low mileage segment
  • Offers an affordable solution for low mileage drivers – attractive option for agents to offer policyholders
  • Addresses affordability challenges via policy options
  • New customer acquisition – attract low mileage/low risk drivers away from competitors
  • Accurately price policyholder monthly premiums based on usage while understanding the risk profile of each user.
Solution

IMS Mileage UBI Offering

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infographic

Why data-driven, mileage-based insurance programs could become the ‘new norm’

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whitepaper

Comparing Smartphone, Tag, OBD, Black Box, and OEM Embedded Devices

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whitepaper

Mobile Telematics Essentials: A Fundamental Guide for Auto Insurers

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Learn more about IMS Mileage-Based Insurance Telematics programs

Contact us to request for more information