Generali Telematics Scoring
by Generali Switzerland · Primary insurer
Predictive model that scores driving behaviour from telematics data to enable usage-based motor insurance pricing and personalised safety feedback.
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Business context
- Purpose of use
Price motor risk dynamically and incentivise safer driving.
- Value chain steps
- Underwriting and risk assessmentProduct developmentMarketing and distribution
- Insurance branches
- Motor vehicle insurance
- Application scope
- Customer-facing
- Business criticality
- Business critical
- Country or market unit
- SwitzerlandItaly
Value and impact
- Added value category
- Revenue increaseRisk reductionCustomer experience improvement
- Added value estimation
Enables risk-based discounts that improve portfolio loss ratio.
- Time to value (months)
- 11
- Competitive advantage gain
Largest telematics customer base among Swiss motor insurers.
- Quality gain
More accurate individual risk pricing.
Technical details
- AI category
- Machine learning and predictive analytics
- AI platform provider
- AWS Bedrock
- Cloud provider
- Amazon Web Services
- Technology stack
- AWS SageMakerKinesis
- Interfaces used
Mobile telematics SDK
- Architectural insights
Streaming ingestion with periodic batch scoring of driver profiles.
- Automation level
- 4/5
- Estimated IT difficulty
- 4/5
Compliance and governance
- EU AI Act risk category
- High risk
- EU AI Act role
- Provider
- Relevant policies
- EU Artificial Intelligence ActSwiss Federal Act on Data ProtectionGeneral Data Protection Regulation
- Responsibilities
Data protection officer approves all telematics data uses.
- Data used
Telematics trip data, claims history, vehicle metadata.
Metadata
- Development type
- Scaled application
- Go-live date
- Jul 1, 2024
- Estimated number of users
- 35,000
- License model
- Software as a service
- Original source
- https://www.generali.ch/news
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