Improve Loss Ratio

Improve pricing accuracy and reduce claims with richer insurance data. Driverly combines Data Enrichment at point of quote with Connected Data from the Driving App and Connected Cars, helping insurers build a more complete view of risk and make smarter decisions throughout the customer journey.

The Challenge
Traditional pricing models rely on static data—such as demographics, postcodes and ABI groups—to calculate insurance premiums. These signals don't always reflect real-world risk, and once a policy is live, driver behaviour can change, increasing claims and putting pressure on loss ratios.
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Loss Ratio Pressure
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Pricing Accuracy
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Adverse Selection
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Risk Behaviour

Almost everything we do improves loss ratio

Improve pricing accuracy at point of quote with Data Enrichment, then use Connected Data to understand driving behaviour and encourage safer driving throughout the policy lifecycle. Each solution delivers measurable value independently, but together they create a richer, more continuous view of risk and a greater impact on loss ratio.

Data Enrichment
Improve Insurance Pricing with Data Enrichment
Improve pricing accuracy with vehicle-level risk scores and geo-contextual insights delivered in real time through a single API. No hardware, minimal IT effort and richer data for better pricing decisions.
<3 wks
Integration
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Connected Data
Reduce Claims with Connected Data
Gather real-world driving and vehicle data through the Driving App and Connected Cars. Use continuous insights, feedback, coaching and incentives to encourage safer driving and reduce risk throughout the policy lifecycle.
Days
To go live
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Better together: Combine Data Enrichment at quote with ongoing driving insights from Connected Data to select risk more accurately from the outset and help reduce claims throughout the policy year.
Data Enrichment

Improve Pricing Accuracy at the Point of Quote

Driverly's Data Enrichment solution delivers real-time risk intelligence at the point of quote, enriching your existing pricing models with the insights needed to assess risk more accurately, price with confidence, and improve underwriting performance—without adding friction to your workflow.

Vehicle Risk Scores
Improve pricing accuracy with registration and version-level risk scoring, enhanced by MOT and servicing history. Driverly’s Data Enrichment gives insurers richer vehicle insights, helping them assess risk more accurately, set insurance premiums with greater confidence, and improve loss ratio.
Registration and version-level risk scoring informed by MOT and service history
Granular risk differentiation across make, model and trim
Validated across multiple markets using proprietary datasets
Real-time API responses, with typical integration in under 3 weeks
Geo-Contextual Postcode Rating
Enrich insurance pricing with postcode-level risk intelligence, combining road, weather and geographic risk signals to give insurers a more complete view of location-based risk.
Postcode-level risk scoring combining road and weather signals
Enrich existing pricing models with real-world geographic intelligence
Identify high-risk geographic concentrations before they impact claims
Delivered through the same single API integration as Vehicle Risk Scores
Connected Data

Influence driver behaviour to reduce claims

Gather real-world driving data through the Driving App and Connected Cars, creating a more continuous view of risk beyond the point of quote. Combine behavioural insights with personalised feedback, coaching and incentives to encourage safer driving and help reduce claims throughout the policy lifecycle.

Capture real driving behaviour
Gather continuous trip-level data through the Driving App and Connected Cars, revealing how policyholders actually drive—from speed and braking to cornering and time of day.
Personalised coaching & feedback
Turn behavioural insights into driving scores, in-app nudges and trip-by-trip feedback that help policyholders understand and improve their driving over time.
Incentives that reinforce change
Use rewards, vouchers and gamification to make safer driving more engaging—turning behavioural insights into meaningful action.
Behaviour-informed pricing
Translate continuous driving data into greater pricing confidence. Recognise safer drivers, identify changes in risk earlier and make more informed renewal decisions.
Explore the full app solution →
The Evidence

What partners measure on loss ratio

Read how a mid-size UK motor insurer found statistically significant risk separation across every ABI group tested — without changing their pricing infrastructure.
See the case study →

Start with a free PoC. See results in 48 hours.

Choose your starting point — Data Enrichment or Connected Data — and see how Driverly can help improve your loss ratio through better pricing and safer driver behaviour. No commitment, no contract.

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