Scoring and risk assessment

Scores to measure and improve driving

We use the fundamental laws of physics combined with data science to understand and impact road risk. 

Illustration of the scores measuring driving

Clear and fair indicators

Safety

Safety

We measure driving safety with a simple and universal approach that considers vehicle dynamics, vehicle characteristics and driving conditions. Our services measure events that reveal driving style: strong braking and acceleration with several levels of severity as well as an indicator that represents the adherence coefficient between the tire and the road.

Vehicle

Vehicle

The vehicle's health is directly related to the driver's behavior. We evaluate the impact of driving style on fuel consumption, CO2 emissions and the level of tire and brake wear. With these indicators, we demonstrate that safe driving contributes to cost savings and reduced wear on vehicle components.

Phone distraction

Phone distraction

Using a smartphone while driving significantly increases a drivers concentration on the road and reaction time. It is a proven factor in car accidents. Our distraction score accurately measures the driver's interactions with the phone. We identify phone manipulations as well as phone calls and the audio system used during a call.

Eco-driving

Eco-driving

We developed a measure of driving efficiency to help drivers reduce fuel consumption without increasing trip duration. Our approach consists of comparing the measured driving speed with an optimal speed profile. The eco-driving score represents the difference between the energy consumed and the minimum energy achievable on each trip.

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Didactic and accurate driving scores

The phenomena that occur during a vehicle's trip, that we can all intuitively feel, or that statistics can try to model, are in fact governed by immutable physical laws.

 

To evaluate driving behaviour, we consider the variables that are key to describe the vehicle's motion and we use physical models.

 

We designed our driving scores and indicators to be educational for the driver and to facilitate their adoption and usage for insurers (prevention, pricing, driver classification).

Illustration of the explainable driving scores DriveQuant
Useful to drivers

Driver profile

Coaching

Driver coaching

Crash detection

Crash detection

Transportation mode recognition

Transportation mode recognition

Illustration of the indicators of the customizable offer and coaching DriveQuant

Indicators to customize offers and coaching

  • Driving habits
  • Performance statistics
  • Improvement history
  • Risk evaluation

Our scoring system rates each individual trip and also performs statistical processing and histories of driving scores to define an accurate driver profile. His driving habits and performance are key information for setting the insurance premium and for predicting the risk accurately.

A fun and pedagogical approach to encourage drivers

  • Ranking
  • Challenge
  • Driving tips
  • Individual reports

Our driving indicators are shared with drivers for prevention and to generate engagement. We have set up entertaining and educational driving challenges to build loyalty and reward drivers. Our services allow us to interact with drivers (messages, driving tips, regular reviews), to personalize exchanges and to measure the impact of the coaching on risk reduction. 

Interpreting smartphone sensors to protect drivers

  • 100% smartphone
  • With connected device
  • Crash report
  • Driver assistance

In addition to the driver behavior analysis, we have developed a crash detection service. Our solution uses the phone's sensors to identify collisions. As an option, our application is also compatible with a connected device fitted with an accelerometer to protect the driver when the phone is not in the vehicle or turned off. Our solution helps drivers when they need it most and provides a seamless and more efficient way to handle a claim. 

The smartphone to understand mobility

  • Alternative mobility
  • Public transport
  • Driver identification
  • CO2 compensation

We analyze the signals from the smartphone's sensors to determine whether it is in a car or on public transportation to evaluate only trips where the driver is in a driving situation. Using the smartphone, we determine how your users move. Understanding mobility allows us to better target policyholders' needs and personalize offers. Identifying the mode of transportation (bike, train, bus) allows us to evaluate CO2 emission reductions, which helps encourage users to adopt sustainable travel options.

The advantages of our driving indicators

Reliable

Reliable

Our services evaluate the signals recorded by the smartphone's sensors and correct them if necessary in order to build reliable indicators that can be correlated with the road risk. We process data from several thousand smartphone models spread over the 5 continents.

Explainable

Explainable

Our driving scores and indicators are based on known and proven physical models. We use fundamental relationships that explain the link between driving style observed by speed measurement and road risk or fuel consumption. This is a transparent approach that simplifies the exploitation of our data.

Contextualized

Contextualized

We take into account trip conditions such as weather and road type. These are parameters that the driver cannot influence but are used to contextualize his scores. Our models also consider the vehicle characteristics.

Rich

Rich

Our driving analysis service is the most comprehensive on the market. It captures all aspects of driving: fuel consumption, safety, distracted driving, speed limit violation, vehicle components wear and advanced contextualization. More than 200 driving indicators are available for each trip. 

Simple access to data

Simple

DriveQuant provides documented application programming interfaces (APIs) to access data from drivers or driver groups. It is possible to access raw data, driving indicators as well as statistical and historical aggregations of driving data.

Flexibles

Flexible

DriveQuant's driving scores and contextual indicators are extensive and specific. We help you incorporate these scores into your models and weight them with your own criteria to build highly predictive risk models.