Telematics and usage-based insurance data
Telematics turns how people drive into insurance pricing and fleet insight. It is powerful and personal in equal measure. This guide covers telematics and usage-based-insurance data.
What telematics data is
Telematics captures driving behaviour, speed, braking, cornering, mileage, timing, from devices or vehicles. It powers usage-based insurance, fleet management and risk scoring.
Common use cases
Usage-based and behaviour-based insurance, fleet safety and optimisation, claims and risk analysis, and mobility insight.
Privacy and consent
Telematics is personal and location-sensitive, so consent and the GDPR are central. Drivers must understand what is collected and why, and data should be minimised and secured.
Fairness and transparency
Behaviour-based pricing must avoid unfair or opaque outcomes, and explainability is increasingly expected. Scoring methodology and data quality directly affect fairness.
Sourcing considerations
Device and vehicle data differ, so harmonisation matters, and provenance and consent basis are essential. Aggregated insight suits many non-pricing uses.
In a managed model
A managed partner can source telematics with consent and provenance, supporting fairness and transparency requirements.
Consent, fairness and transparency
Telematics turns driving behaviour into pricing and fleet insight, but it is personal and location-sensitive, so consent and the GDPR are central: drivers must understand what is collected and why, and data should be minimised and secured. Behaviour-based pricing must also be fair and explainable, avoiding opaque or discriminatory outcomes, expectations that emerging AI rules reinforce.
Harmonising device and vehicle data
Telematics arrives from dongles, embedded systems and apps with differing formats and quality, so harmonisation and provenance matter. For non-pricing uses, aggregated insight is often enough; where scoring drives premiums, the methodology and data quality directly affect fairness, and should be documented.
- Telematics turns driving behaviour into pricing and fleet insight.
- It is personal and location-sensitive; consent and the GDPR apply.
- Behaviour-based pricing must be fair and explainable.
- Harmonise device/vehicle data; document consent and provenance.
Sources & further reading
- EUR-Lex: Regulation (EU) 2016/679 (GDPR).
- EIOPA: insurance and fairness guidance.
- EDPB: guidance on connected vehicles and telematics.
- Industry telematics standards.
We source telematics with consent and provenance, supporting fairness requirements. Get a no-obligation quote.