We support Insurers worldwide to achieve Safer and Smarter Mobility For All
We work with the best motor insurers in the world, delivering superior predictions and transforming insurance
into a rich mobility service. With one of the largest insurance telematics teams in the industry, we push the data science frontier helping actuaries build unique insights.
The Floow harnesses the power of sensors, software and data, enabling insurers to focus on their core mission
of protecting consumers. We are dedicated to equipping the insurance industry with indispensable technology
tools that protect human life and promote all forms of smart mobility awaiting us.
We bring together a unique depth of resources, to take on some of the most ambitious telematics propositions in the world, with a level of personal care and attention to details that is akin to craft.
Collection of mobility data from any sensing device
Our technology is "device agnostic": we collect data from smartphones and from on-board devices (self-installed, professionally fitted or originally installed devices).
We turn smartphones into powerful mobility sensors, through SDK for integration in third party assets or through Native App.
Scores and Insights to accurately predict and price risk
Through behavioural data - contextually enriched after capture from any sensing device - our team delivers scores with demonstrably superior predictive power.
Our world-class scoring platform pushes behavioural scores to match and surpass traditional, proxy-based models and enables pricing straight from telematics data.
On the Road to the Mass Market
On behalf of insurers, we develop services for consumers and fleets, driving mass market adoption through data-driven engagement including Crash Management, Education and Online Rewards.
We are aggressively developing new services to help our insurance partners and their policyholders take advantage of the transforming world of mobility.
Predicting and Conditioning the Future
Inspired by the insights from decades of the best social science on driver behaviour, Floow Coaching is impactful behavioural conditioning and measurement.
Contact us to learn how to generate superior human, social and economic benefits with Floow Coach.
Science pervades our entire product range as 70%+ of our staff our scientists.
Using a combination of advanced data cleansing, standard actuarial techniques and machine learning; we combine the data received from sensors many times per second with detailed contextual data (including expected behaviour), remove non-car trips and create meaningful scores.
Working directly with actuaries and underwriters at our clients who share their claims data with us ensures that the scores uniquely predict insurance risk and can be integrated optimally into their rating structure.
Combining cutting edge hard sciences with a market leading driving psychology team led by Dr Lisa Dorn gives us the ability not only to predict risk but to control it.
Understanding driving psychology means scores can be designed to be easily understood and feedback can be provided to drivers and fleet managers in a uniquely tailored way that optimises engagement with the end user and maximises the behavioural improvements.
Used by top insurers and market leaders, globally
A measure of anticipation including poor acceleration, braking and cornering.
Phone use whilst driving takes your eyes and mind off the road.
You should take regular breaks on long journeys.
How does your speed compare to other drivers on the same road?
Time of day
Driving at night can be nearly 10 times more risk than driving later in the day.
Which roads you drive on is more important than where you live.
Why organisations select The Floow
Device-neutral telematic platform generating consistent and predictive scores regardless of source.
Contextual data enrichment reflecting impact of road infrastructure and wider environment in influencing claims.
“Lego-brick” approach to scoring offering client actuaries and underwriters flexibility to produce uniquely tailored scores.
Modular feedback to users focused on education, safety and rewards.
Leading Smartphone-as-Sensor app and tech in industry as independently evidenced by the 2016 Award as 1st Smartphone Telematics Service Provider in Europe, ranked by telematics research specialist Ptolemus.
Global agreements and integration with leading vehicle manufacturers Renault, Nissan and PSA.
Flexibility to integrate with pre-existing legacy systems.
Innovating the future of mobility
The Floow, having pioneered in Telematics, are now exploring Innovation across various technologies and sectors. Our cutting edge activities cross: Automotive; Traffic Management; Modelling; Satellite; Smart Cities; Pollution and Autonomous Vehicles.
This wide research helps us build novel leading capabilities for our clients including the latest leading science.
In a recent interview with leading tech journalist, Simon Brooke, on behalf of a Raconteur supplement which appeared in The Times, our founder and CEO Aldo Monteforte considered the role that telematics has played in changing the face of car insurance, as well as the impact that collating better data insurers can have on the relationship insurers have with their customers.
We are a Telematics company with a truly global reach based in Sheffield, North of England. Our unique technologies, insights and digital products help market leaders in various services across the world.
The Floow are winners of a Queen's Award for Enterprise: Innovation 2016
The Floow is a licensed holder of the Made in Sheffield Mark
The Floow is a signature of the European Road Safety Charter
The Floow is a member of the Royal Society for Prevention of Accidents
The Floow has been assessed and certified for ISO 9001:2008
The Floow has been assessed and certified for ISO 27001:2013