Create a tailored Usage Based Insurance (UBI) programme with TomTom Telematics technology. Encourage your customers to actively improve their driving behaviour. Lower road accidents, insurance claims and increase profitability for your business.


  • Fairer insurance premium
  • Real time driving feedback
  • Less risk driving
  • Roadside assistance
Usage Based Insurance (UBI) – Insurance telematics
  • Detailed risk assessment
  • Lower claims
  • Lower costs
  • Customer loyalty
  • Customer interaction
  • Shorter information flow

Insurance Telematics – all the benefits

Enhance your driving risk assessment strategy and monitor all aspects of driving behaviour.

Promote safer driving with real-time audio and visual coaching – and reduce claims.

Reduce fraud and investigate accidents faster. Notify insurers or call centers in real time, using crash data.

Lower tow charges and optimise roadside assistance with immediate notification of vehicle breakdown.

Stay competitive in your market; offer the best premium for each policy.

Start small and scale up. Get the financial flexibility of our Pay As You Grow model. Implement a pilot before rolling out a full UBI programme.


Partner solutions

Allianz Conduite connectée avec la technologie TomTom

AppDrive powered by TomTom


Usage Based Insurance for personal lines

Pay As You Drive and Pay How You Drive solutions for consumers.

  • Encourage safer driving styles among high-risk market segments, such as young or first-time drivers.
  • Offer competitive rates within low-risk market segments, such as low-mileage drivers.
  • Reduce the chance of theft on theft-prone vehicles.
  • Generate new revenue streams through additional services, such as assistance, private e-call (emergency) and b-call (breakdown) services.
  • Streamline the information flow and reduce delays in First Notification of Loss (FNOL).

Usage Based Insurance for commercial lines

Pay As You Drive and Pay How You Drive solutions for small, medium and large companies.

  • Understand the risks associated with each vehicle and driver.
  • Offer a comprehensive fleet management solution that can develop into a full UBI programme without additional investments or operational costs.
  • Reduce claims by helping drivers to improve their driving style.
  • Tailor insurance premiums to specific risk profiles – even within a customer’s fleet.
  • Benefit from seamless integration with existing dashboards and customer systems.
  • Offer customers a comprehensive, end-to-end solution.
And your customers will:
  • Benefit from proven technologies of Europe's most widely accepted fleet management solution provider.
  • Reduce the risk of road accidents and loss of reputation.
  • Gain full visibility of driver performance and promote safer driving through detailed reports on driving events.
  • Enjoy more competitive insurance premiums arising from safer driving and fewer road accidents.
  • Increase operational efficiency taking control of fuel consumption, maintenance and other vehicle-related costs.
  • Reduce the total cost of ownership by lowering the number claims and improving operational efficiencies.

Why partner with TomTom Telematics

There are many reasons for partnering with TomTom Telematics to implement Usage Based Insurance (UBI).

Brand power

Harness the power of TomTom, a brand that is accepted by millions of motorists worldwide. Create a positive association with UBI and gain acceptance of your customers.

World-class technologies

Leverage our world-class technologies such as TomTom Traffic, IQ routes, GPS solutions, and maps, to bring a differentiated UBI programme to market.

Innovation that makes you future proof

We continuously invest in R&D to deliver cutting-edge technology to you and your customers.

The highest standard of data protection

Our telematics services are ISO27001 certified, one of the strictest data protection standards.

Full scalability

Our global presence and local coverage means that we can make your UBI programme scalable – both by size, and across location boundaries.

Our industry partners

Integration partners

Get in touch with one of our Insurance Telematics experts