Connected Insurance Solution

Context & Challenges

The automotive insurance industry is evolving rapidly. Insurers now seek to assess real driving behavior in order to adapt pricing, prevent risks, and strengthen customer loyalty.

With the rise of Usage-Based Insurance (UBI), Pay-How-You-Drive, Pay-As-You-Drive models, and the widespread adoption of embedded telematics technologies (eCall, 4G/5G), Europe is entering the era of real-time data.

Dunasys anticipated this transformation. Leveraging our expertise in automotive telematics, we developed a dedicated solution for insurance providers: an intelligent connected device capable of transforming driving data into powerful tools for prevention, analysis, and customer engagement.

Project Objective

The objective of the Dunasys Telematics Insurance project is to create a device capable of:

• Collecting and analyzing driving data to enable fair and dynamic pricing;
• Automating claims reporting (FNOL – First Notification of Loss) with instant transmission to claims management systems;
• Reducing claims costs through AI-driven triage, routing, and fraud detection;
• Enhancing the customer experience through an intuitive mobile application, personalized scoring, and behavioral rewards.

The Dunasys Connect Insurance Solution

Available as a plug-and-play OBD-II device or as an OEM-integrated solution, the system combines:

• Multi-constellation GNSS and a 6-axis IMU for precise detection of impacts, maneuvers, and journeys;
• 4G/5G connectivity for instant data transmission;
• An optional camera system to reconstruct the context surrounding an accident.

Embedded AI and an Analytical Cloud Platform

The embedded intelligence detects key events and automatically triggers FNOL and assistance processes.

On the cloud side, behavioral AI classifies claims, identifies anomalies, adjusts insurance premiums, and powers the UBI engine. The API-first architecture enables seamless integration with insurers’ existing platforms.

A Reinvented Claims Journey

• Impact detected → Automatic FNOL generated in less than 40 seconds (VIN, location, impact severity).
• AI triage:
  • Minor claim → Express processing.
  • Complex claim → Expert assessment.
  • Suspicious claim → Fraud detection workflow.
• Immediate assistance → Guidance to a partner repair center and real-time notifications to the driver.

Result: claims processing cycles reduced by 30 to 40%, lower operating costs, and significantly improved customer satisfaction.

Intelligent Bonus-Malus Scoring

At Dunasys, data serves a safer and more responsible driving experience.

The device continuously evaluates compliance with speed limits and road priorities, the smoothness of acceleration and braking, and eco-driving indicators such as consumption, anticipation, and emissions.

These metrics generate a dynamic behavioral score that automatically adjusts insurance premiums while unlocking bonuses, rewards, and personalized coaching opportunities.

Risky behaviors, meanwhile, trigger alerts or enhanced support programs.

This system creates a virtuous circle between safety, sustainability, and economics: drivers improve their habits, accident rates decrease, and insurers build stronger long-term customer loyalty.

Results & Benefits

Initial feedback from insurance partners has been clear:

• A 20 to 30% reduction in at-fault claims;
• Claims processing cycles shortened by up to 40%;
• A combined ratio improvement of 5 to 10%;
• An average reduction of 8 to 12% in CO₂ emissions through eco-driving practices.

Beyond the numbers, Dunasys Telematics Insurance reconciles profitability and responsibility by placing data at the heart of prevention and trust.

Future Perspectives

Dunasys continues to enhance the solution through:

• The integration of predictive AI capabilities to anticipate risks;
• Embedded vision technologies to provide contextual understanding of incidents;
• Sensor fusion combining smartphone and device data to enrich detection accuracy and behavioral scoring.

With 5G and satellite connectivity, the solution will soon provide comprehensive monitoring capabilities, even in the most remote areas.