Amodo's Driving Score: Configurable Engine for Assessing Drivers' Behavior and Risk Exposure

Driving score framework

Amodo's driving score provides insurance carriers with a sophisticated, data-driven approach to assess drivers' behavior and the related risk exposure. Leveraging data collected from millions of trips recorded across six continents, based on relevant scientific studies and industry research, Amodo's scoring framework offers unparalleled accuracy.

Amodo's product evaluates multiple behavioral aspects incorporated with different environmental factors. The final score is calculated through a proprietary algorithm that takes into account several elements, including acceleration, braking, cornering, speeding, phone handling, road context, rush hour and fatigue driving. This results in a comprehensive and dynamic assessment of a driver's risk profile.


Highly configurable to meet clients' specific needs

Amodo's standard driving score comes with predefined values for the scoring logic, providing insurance carriers with a proven and effective solution for launching usage-based insurance programs in a matter of weeks. Moreover, Amodo's scoring system is highly flexible, allowing clients to easily customize the scoring logic to meet their unique business needs and strategies.

With Amodo's advanced telematics technology, insurance companies have the power to create multiple scoring models and adjust them according to the local market- specific environment or specific characteristics of the target customer segment. For instance, a separate scoring model can be made for young drivers looking to improve their driving habits and another for fleet drivers. As data accumulates and the number of users grows, changes in the scoring distribution can be easily monitored and adjusted to align with evolving business needs.

Verified accuracy and expert support for regulatory approval

The driving score algorithm has been verified through extensive analysis of real claim data collected worldwide. Amodo’s team of experts offers insurance carriers valuable support in navigating the regulatory approval process, with the flexibility to meet specific regulatory requirements and a high level of transparency in documentation.

Trust Amodo for a proven and expert-supported solution in the world of usage-based insurance. Interested in seeing how the scoring calculation works in real life? Download the Amodo One Product Application now and get valuable insights into your driving behavior.

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About Amodo 
Amodo is an award-winning insurtech company. Amodo Connected Insurance Platform enables insurance companies to create and brokers to place hyper-personalized usage-based insurance (UBI) products on the market. Amodo clients use its platform to gain strategic insights into customers' profiles, segment them into relevant groups and acquire profitable ones. Over the past nine years, this European insurtech launched close to 50 Connected Insurance projects worldwide with some of the leading companies such as AIG, Porsche Insurance, Croatia osiguranje, and many others. Amodo was named by Financial Times as one of the top 5 Insurtech companies globally, is a winner of a prestigious Digital Insurance Agenda Diamond Award in 2020, and has been named by Frost and Sullivan as the Best Practice Leader in the Usage-Based Insurance market in 2021. 

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