Stop pricing yesterday’s risk.
Start seeing tomorrow’s.
Real-time, per-driver behavioural risk intelligence: the data infrastructure for underwriting models that actually reflect how a fleet drives, not how it drove last year.
A clean claims history doesn’t mean a safe fleet.
Policy issued · fleet of six
Premium set on last year’s book
Q1 reviewed · nothing to report
Q2 reviewed · nothing to report
Q3 reviewed · nothing to report
Claim · filed 1 claim · file closedof driving distance is completed in a drowsy state
Invisible in claims dataThat gap between what your model assumes and what the road records is where claims come from.
The risk intelligence layer between your model and the road.
Observed risk. Not assumed risk.
Built from what the driver actually did.
Speed patterns, drowsiness events, distraction frequency, route risk, JRM compliance, time of day, and 20 unique behavioural signals. Real data. Not statistical approximations.
At the trip, driver and portfolio level.
drivebuddyAI turns real-world driver behaviour into structured, observable, API-accessible risk signals that connect directly to your underwriting models.
CARDS. Cognitive Assessment of Risk for Drivers
Drowsiness develops.
A slow weave in the lane. PERCLOS climbs. The chip fires only when the number crosses the line.
Not event counting: simultaneous hazards, environmental factors and compounding risk patterns, correlated into a holistic, contextual driver risk profile.
Granted · IndiaPending · US · EUBuilt for underwriting, not just reporting.
Real-time risk intelligence that connects directly to your underwriting models: at the driver level, the fleet level, and the portfolio level.
Scores.
Real-time driver risk scores.
Patented Cognitive Assessment of Risk per driver, a holistic behavioural risk profile updated every trip. Know which drivers in a fleet are high-risk before they file a claim. Structured, API-accessible data that integrates with your existing models.
Usage.
Usage-based insurance data.
Trip-level granularity: speed, time of day, drowsiness events, distraction frequency, route risk, JRM compliance, payload data. The data infrastructure for UBI products that actually reflect how a fleet drives, not how a driver self-reports.
Foresight.
Predictive claims intelligence.
69% of drivers who progress from drowsy to severely drowsy can be identified early. drivebuddyAI flags the risk pattern before it becomes a claim, giving insurers and operators the intervention window they’ve never had.
The book.
Portfolio-level risk API.
Aggregate risk intelligence across your entire fleet book, not just individual policies. Identify systemic risk patterns, segment portfolios by real behaviour, and build underwriting models on data that moves as fast as the road does.
From claims investigation to claims prevention.
of drowsy-to-severe progressions can be identified early
The intervention windowoverall risk reduction
In 6 to 8 months, measured across deployed fleetsdrowsiness reduction in the same window
The signal that becomes the claimEvery fleet on the platform reduces your claims exposure.
Not just their own accident rateStart underwriting with real risk data.
Talk to our team about a data partnership, UBI integration, or portfolio-level risk intelligence briefing.