Trusted by Companies Big & Small







Why Insurance Telematics?
Insurers face considerable challenges when setting premiums. Cartrack provides insights to drivers’ behaviour and driving habits, and in turn, dramatically reduces loss ratios.
Using Cartrack’s Insurance Telematics technology, insurers can construct a model to assess drivers based on many key driving habits and behaviours including:
- The kilometres driven
- The specific time of day that drivers are on the road
- The high-risk areas that vehicles are predominately driven or parked in
- Driver-specific elements such as speeding, harsh braking and sharp turning

How Insurance Telematics Works

For Insurers

Mitigate / Reduce Fraudulent claims

Reduce claim- recover vehicles pay-outs for stolen vehicles

Manage high-risk clients – data can be used as evidence

Communicate and capture driver behaviour
Mitigate losses on motor vehicle claims | •Re-enactment of accidents •Stolen Vehicle Recovery |
Manage high-risk clients | |
Communicate and capture legitimate data on driver behaviour | •Aggressive Driving •Over-speeding •Usage (driving hours) •Route tracking |
Enrich their auto insurance value proposition by adding services built upon data provided by telematics. | |
Represent a way of de-commoditising the car insurance policy | |
In the medium/long term, this characteristic will become more and more important owing to the de-risking trend in the Motor Third Party Liability business, and due to the technical progress relating to security and connected cars. |

