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Keeping ahead of the technology curve




Armin Kia, Mohammad Alinia & Néstor Alonso

Read time

5 minutes

Keeping ahead of the technology curve

There are very few markets as competitive as car insurance, and there are almost no legal protections when it comes to product innovations. Therefore, you can be pretty sure that your product innovations are going to be replicated by copy cats as soon as they’re deemed successful.

In this environment, the only way to stay ahead of the competition is to build technologies that are difficult to replicate, and that enable a faster pace of change compared to the competition.  


Hence it should come as no surprise that technology is one of the three pillars at Driverly. Our three business pillars are customers, data and technology


But with technology constantly evolving, how do we stay ahead of the competition? Here we take a quick peek behind the Driverly curtain. 

AI and Big Data 

If data and technology are the sources of differentiation, then Artificial Intelligence (AI) and Machine Learning (ML) have to be the core of your capabilities. Many companies talk about AI and big data analytics… But few have access to the amount of data that Driverly captures about each customer. 


Through our Driverly App, we get a snapshot of customers' driving behaviour at a frequency of 1 Hz (1 snapshot per second). This gives us access to a wide range of data about when, how and how much customers drive. 


Obviously, this is a vast amount of data. In order to make sense of it, we use AI models to analyse this information – which is used for pricing, underwriting, anti-fraud and customer engagement purposes. While these analyses happen behind the scenes, they’re going to be the most important source of competitive edge for Driverly.  

Proprietary Technology 

Time to market is key when it comes to innovation, and your technology is the key enabler for these changes... Or perhaps the bottleneck if you have too many weak links in your technology chain. 


We’ve built almost all of our key systems in-house on cloud platforms. And while this means a higher investment at the outset compared to buying off-the-shelf products, it empowers us to build bespoke platforms tailor-made to our needs. 


And – more importantly – independence from third-party systems means we can change and react more quickly than we would if we were locked in. 

Agile Methodology 

Time to market is as much about your technology frameworks and platforms as it is about your development methodology. 


In Driverly we're obsessed with Agile. In fact, the first document we ever pulled together for Driverly was ‘Driverly as an Agile organisation’. The purpose was to ensure the co-founders are on the same page in respect to our methodology. 


We believe agile isn’t merely a technology development framework, but a methodology to manage our business. And we also believe our lean and efficient practice helps us deliver innovation much faster than our competitors. 

Research & Development Partnerships 

You can never do everything by yourself. Well, you can... but you’ll be slow, and far removed from the cutting edge. 


That’s why R&D partnerships are an integral part of our DNA. 


We’re constantly hunting for ways to expand our technology and IP advantage through R&D projects. Most recently, we’ve developed a collaborative project with Centre of Excellence in Mobile and Emerging Technology (CEMET), a team of tech specialists in University of South Wales.


The project uses AI and machine learning to gather live weather and road risk data, and incorporate it in our driving risk assessment algorithms. These driving context analyses put Driverly one step ahead of the competition. Read more about our partnership with CEMET here


We’re now collaborating with a couple of other state-of-the-art technology partners to drive our tech capabilities to the next level. 

So… how do you stay ahead of the curve? 

In short, we’ve built our business around cutting-edge technologies, we leverage AI to incorporate big data into our decision making; develop our systems in-house tailored to our unique needs and requirements; use modern methodologies to deliver change faster than competitors; and partner up with specialists to keep ahead of the competition. 


Sounds like a lot? Nothing is impossible with the right team. 

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