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Usage-Based Insurance for Personal Lines

We provide end-to-end, fully branded usage-based insurance solutions for personal lines, auto or car insurance for individuals. Our solutions cover everything from data capture to mobile app to driver scoring. Insurers get actionable insights, while policyholders stay engaged and rewarded for safe driving.

Check our partnership with Aviva UK Our partnership with Aviva Canada

Stand Out and Succeed in the Usage-Based Insurance Market

Whether you’re launching your first usage-based insurance (UBI) program using telematics data or looking to enhance an in-market one, success depends on more than just offering discounts. As UBI becomes the norm, standing out means delivering real value — to both your business and your policyholders.

Our IMS DriveSync platform and our product offering give you the tools to do just that. Our end-to-end solution supports everything from program design and mobile app delivery to data capture, scoring, and ongoing optimization. It’s flexible, fast to launch, and built to evolve and scale, helping you bring a compelling, differentiated and engaging UBI program to market with confidence.

Why Choose Us for Your UBI Program? Easy, It’s Your Path to Success

Designed to simplify and accelerate your UBI strategy and launch, we offer everything you need under one roof.

Your All-in-One UBI Expert Partner

We simplify your operations by serving as your single-source provider for everything your connected insurance needs. From telematics hardware and data,  mobile app development, scoring, automatic and personalized policyholder communications, marketing/UX support to secure data warehousing,  analytics and portals, fulfillment logistics  — it’s all part of what we can offer.

No need for multiple vendors,  just one seamless solution.

 

What does this mean for you?

  • Accelerate time to market and minimize resource demands

  • Streamlined operations and fewer third-party dependencies

  • Full-service UBI support (pre-launch, during launch phase and post-launch)

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Scalable, Future-Ready Technology Platform

Built on IMS’s award-winning DriveSync® platform, our modular architecture is designed to support your UBI program today and evolve with you over time. Whether you’re launching a regional pilot or scaling across multiple lines and geographies, our solution grows with your needs — without sacrificing performance or customization.

How you benefit from this: 

  • Future-proof your UBI investment with a scalable, modular platform

  • Launch small, scale fast

  • Rapid adaptability to market and regulatory changes

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Deep Insurance Expertise:  not your typical Tech provider

At IMS, we’re more than just a technology vendor — we come from the insurance world. We’ve run our own insurance arm, which means we understand the operational, regulatory, and strategic realities insurers face every day. This gives us a unique edge in building solutions that truly work in practice, not just in theory.

Plus, with over two decades of telematics leadership and successful UBI deployments across North America, the UK, and Europe, our global team of UBI experts combines decades of experience with deep insurance knowledge. We will help avoid common pitfalls, meet compliance requirements, and design engaging programs that align with real-world underwriting and business goals.

Your work-life has been made easier for you:

  • Trusted partner who truly understands insurance operations

  • Gain confidence from expert-led strategy, launch, and optimization

  • Solutions grounded in regulatory, pricing, and customer realities

Benefits

Whilst we work directly with insurers, our products and solutions are designed and built with the policyholder/end users in mind. Drawing on our first-hand knowledge of running an insurance brand, we embed a customer-centric mindset into every project from day one, ensuring the user experience is prioritized at every stage.

Personalized auto insurance pricing which can include: a premium discount at sign-up, a renewal discount, and eGift cards for driving safely.

– Easy onboarding
Perfected onboarding – include activation rate, Gillian to expand

-Tools for safer driving

Increased behavioural self-awareness, and education through coaching messages and videos
Increased motivation to improve their driving skills – especially if they get rewarded for safe driving.

 

Improved relationship with their insurer

Unlike traditional policies where you purchase and never have contact with your insurer for a full year, connected insurance provides the opportunity to tighten the bond between insurers/policyholders – Gillian to expand?

trust with the insurer

 

 

Increased loyalty of current policyholders & attract new customers

Generate revenue via value-added services

Proven ROI & Flexibility
From program launch to scale, we offer ongoing program support, flexibility and performance analytics, helping insurers achieve profitable growth.

Optimized Engagement and Increased Customer Retention
Using our IMS Engagement Toolset product and UBI expertise, insurers can offer real-time feedback, policy-based or scoring personalized messaging and safe driving rewards, helping policyholders feel empowered and engaged.

Data-Driven Risk Assessment & Management

Lower risk, cost and claims
Give your pricing teams the insights they need to categorize policyholder pricing

Explore our other solutions

Commercial Lines Solution Pay-when-you-drive (PAYD) Solution

Create a customized driver score for your program

Details on our scoring page

Curious to learn more? Explore these resources:

datasheet

IMS Usage-based Insurance for Personal Lines

Download
whitepaper

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

Download
whitepaper

Mobile Telematics Essentials: A Fundamental Guide for Auto Insurers

Download

Learn more about our leading end-to-end UBI solution

Contact us to request for more information