Two Use Cases. One Data Foundation.
Snapshot Validation and Always On Monitoring, both powered by embedded OEM connectivity with no hardware, plus ADAS data contextualised to prepare insurers for the autonomous future.
Speak to Our TeamTwo Connected Telematics Use Cases
Both use embedded OEM connectivity with no customer hardware. The optimal approach depends on your proposition design.
Snapshot Validation
90-Day Monitoring
Short-term connected vehicle validation in the first 90 days of cover. Validate risk, support claims decisions and reduce fraud before the policy matures.
Always On Monitoring
365-Day Coverage
Annual connected policy monitoring across the full policy term. Supports event response, richer customer service and in-term risk insight, not just a fixed validation window.
Use Case 1: Snapshot Validation
90-day monitoring using embedded OEM data to validate risk, support claims decisions and reduce fraud. No apps. No tags. No device.
90 Days
Short-term validation in the first 90 days of cover. Early control is especially valuable in the first 3 months.
No Apps. No Tags. No device.
Uses embedded OEM connectivity, not customer hardware. Zero friction for the policyholder.
Crash Detection
Rich crash data including airbags, seat belts, impact location, force and panel damage.
KEY MONITORED SIGNALS
How 90-Day Validation Works
Snapshot uses the connectivity already built into the vehicle to validate the policy in its first 90 days, the window where early control matters most.
Policy inception
Snapshot activates on day one of cover. The customer opts into monitoring permissions within their policy T&Cs, with no app, tag or device to install.
30/60/90-day monitoring
Connected vehicle data captures overnight location, mileage, time-of-day usage and journey patterns across the first 30, 60 and 90 days of cover.
Validation
Captured signals are validated against the declared risk address, mileage and class of use to confirm the policy reflects how the vehicle is actually used.
Scoring
Validated signals are scored to quantify risk against the declared profile, using mileage, overnight location and usage patterns to produce an objective, non-behavioural risk score.
Actionable insight
Results feed pricing validation, risk selection, early claims handling and fraud referral, all before the policy matures.
What Snapshot Captures
Every signal comes directly from the insured asset's own OEM systems, not public transport or passenger trips, and irrespective of who is driving. It cannot be manipulated by the policyholder or installed in another vehicle.
Use Case 2: Always On Monitoring
Four always-on intelligence streams across the full policy term.
Always-On Policy Insight
Continuous monitoring across the life of the policy, not just a fixed validation window. Persistent intelligence from inception to renewal.
Event Response & Claims Support
Supports theft, crash and policy events with faster intervention and more informed first- and third-party claims handling.
Non-Behavioural Risk Scoring
Uses connected vehicle signals such as mileage, overnight location, trip frequency and time-of-day patterns, no intrusive driving behaviour monitoring.
Build the Data Lake for Tomorrow
Creates a growing data lake of connected-car data points that Onboard Analytics can contextualise over time, helping insurers prepare for autonomous vehicles.
Acting on Connected Insight
Risk assessment is only half the story. Connected vehicle intelligence also enables prevention, reduction and a new understanding of liability as vehicles become increasingly automated.
Tyres, DTCs & Servicing
Identify emerging mechanical risk and encourage remediation before a claim occurs.
Behavioural Coaching & Rewards
Use connected insights to coach drivers and reward safer, better-maintained vehicles.
Crash FNOL & Claims Cost Management
0% false positive crash claims data that streamlines and significantly reduces claims costs.
The Changing Nature of Risk & Liability
Understand where the vehicle was in control vs the driver, where the vehicle failed vs the driver, and poorly maintained vs well-managed assets.
Prepared for the Autonomous Future
ADAS capability data and autonomous liability insights to prepare insurers for the evolving connected and self-driving landscape, with growing OEM data available today.
ADAS / Safety Signals
Active safety system status, ADAS feature availability and activation events are increasingly available across the connected car parc.
Useful for liability assessment when automated systems were active at time of incident.
Crash Data & Severity
Full crash data sets including impact location, force, airbag deployment, seatbelt status and panel damage across key vehicle brands.
Enables objective crash reconstruction for liability and severity decisions.
Vehicle Capability Context
Understanding what ADAS features a vehicle has, and whether they were active, creates context for liability decisions in an increasingly automated fleet.
Critical for insuring the transition period from human to autonomous control.
Two use cases. One connected foundation.
Whether you need 90-day validation or always-on monitoring, Onboard Analytics telematics builds the data foundation for today and the autonomous future.
