FloowDrive: Smartphone Telematics for Connected Insurance
Build a connected proposition around your customers and your business objectives.
FloowDrive is The Floow’s configurable, white-label smartphone telematics app, designed to help insurers and mobility providers build engaging connected experiences around real-world driving data.
By capturing journeys automatically and translating driving behaviour into scores, feedback and personalised engagement, FloowDrive helps organisations understand how people drive and create propositions that reward safer driving.
From usage-based insurance and young driver programmes to mileage-based propositions and driver improvement initiatives, FloowDrive provides a flexible technology foundation for turning mobility data into meaningful customer experiences.
A configurable telematics app built around your proposition
FloowDrive combines automatic journey recording, driver scoring, feedback and engagement features in a branded mobile experience. It can be configured to support different programme objectives, customer groups and insurance propositions.
Rather than simply collecting journey data, FloowDrive helps turn that information into an experience drivers can understand and engage with. Since 2012 FloowDrive has:
helped over a million drivers
collected over 2.5 billion miles worth of driving data
FloowDrive Features
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Automatic journey recording
Capture journeys using smartphone sensors, reducing the need for drivers to start and stop each trip manually. Automatic recording helps create a more convenient experience and supports consistent collection of driving data.
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Rewards and behavioural engagement
Support driver engagement through rewards, personalised messaging, targeted campaigns and behavioural nudges. These features can help insurers create incentives aligned with programme objectives and encourage continued participation.
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Driver scores and feedback
Turn driving data into scores and insights that help drivers understand their behaviour. Feedback can highlight factors such as smooth driving, speed and mobile distraction, helping users identify opportunities to improve.
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Mileage Capture
Support propositions where mileage is important to pricing or policy management. FloowDrive can offer mileage capture options, including manual entry and supported connected vehicle data.
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Trip categorisation and journey insights
Use trip categorisation and journey information to help distinguish relevant journeys and provide a more representative view of driving behaviour. Available functionality can be configured to suit programme requirements.
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Trip Events
Users can analyze contributing factors, including phone calls and harsh driving events, this helps condition user behavior for improving road safety.
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Engagement analytics
Use app and engagement analytics to better understand how customers interact with the experience. These insights can help inform product improvements, customer communications and ongoing programme optimisation.
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SwiftUI and JetPack Compose
Apps are developed using latest and native UI frameworks, thus enhancing compatibility and providing cutting edge user experience.
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Risk Scores
Our state of the art scoring algorithm provides a highly accurate representation of driver behavior. This can be further enhance using claims data from your customer base. All enhanced scoring remains the IP of the client hence providing competitive advantage in the market.
Add-ons
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FloowCampaigns
FloowCampaigns is our omni channel communication platform. With FloowCampaigns you serve dynamic content, hyperpersonalised messaging and rewards.
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FloowFusion
FloowFusion embeds connected car functionality into FloowDrive. With FloowFusion we can fuse connected car data with mobile sensor data to provide a market leading connected insurance proposition.
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FloowTag
FloowTag is a BLE device assists in vehicle identification. The combination of FloowDrive with FloowTag allows for trip capture to be limited to just the insured vehicle.
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Insurer Portal
An invaluable, out of the box gateway to all Data Products and insights to profitably manage connected portfolios as well as dashboard for policy and app administration. Insurer Portal also provides a comprehensive look into driver profiles and the ability to troubleshoot.
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FloowClaims
FloowClaims is our suite of claims management tools, it provides all the tools necessary to report, manage and resolve claims.
One app. Multiple connected insurance applications.
FloowDrive can support a range of propositions, depending on the programme design and features selected. These propositions include (but are not limited to):
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Use real-world driving data to support insurance propositions informed by driving behaviour. Driver scores and engagement features can help insurers build more interactive experiences around telematics.
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Provide drivers with feedback on their driving behaviour and opportunities to develop safer habits. Insurers can use configurable engagement and rewards to support programmes designed for younger or less experienced drivers.
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Offer prospective or existing customers an opportunity to participate in a driving evaluation. The resulting experience can help demonstrate the value of telematics and support engagement before or around renewal.
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Support propositions that take vehicle use and mileage into account, using available mileage capture capabilities and connected vehicle integrations where appropriate.
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Use scores, feedback, personalised messaging and rewards to help drivers understand their behaviour and maintain engagement with a telematics programme.
Our global partners using FloowDrive
Predictive insights that go beyond journey tracking.
FloowDrive provides the data capture and driver-facing experience that can support wider telematics and risk intelligence capabilities.
When used with The Floow’s scoring and analytics technology, driving data can be analysed to assess behavioural patterns and generate insights relevant to connected insurance. Driver scoring can consider factors such as smoothness of driving, speed and mobile distraction. The available scores and their configuration depend on the programme and the data sources being used.
For insurers, this creates opportunities to develop more differentiated propositions, support risk assessment and connect driver behaviour with customer engagement strategies.
Extend the experience with connected vehicle data.
FloowDrive can work alongside The Floow’s connected vehicle capabilities to combine smartphone sensor data with supported vehicle data.
Through FloowFusion, insurers can explore additional use cases such as vehicle mileage collection and connected insurance propositions. Data availability depends on vehicle compatibility, manufacturer support and customer consent. This approach gives insurers flexibility to build on smartphone telematics while exploring the potential of connected vehicle technology.
Designed to support your brand and business.
FloowDrive is a white-label solution, enabling organisations to deliver a telematics experience under their own brand.
Its configurable features can help support different customer journeys, programme requirements and engagement strategies. The Floow works with partners to identify the capabilities that best fit their proposition and implementation needs.
Key considerations include:
Branded experience: Deliver a mobile app aligned with your customer proposition.
Configurable functionality: Select features to support programme objectives and customer needs.
Driver engagement: Use feedback, rewards and communications to support ongoing participation.
Connected capabilities: Extend the experience with compatible scoring, claims and vehicle data solutions.
Programme insights: Use available analytics to understand engagement and inform improvements.
The precise configuration, integrations and delivery approach depend on your requirements.
Bring your connected insurance proposition to life.
The value of a telematics app lies in how it supports the wider insurance proposition, from customer onboarding and journey recording to feedback and rewards.
Plymouth Rock Assurance has described how its partnership with The Floow, through the YUBI® programme, helped enhance its telematics solution and improve the experience for insured drivers. The app supports registration, driving evaluation and rewards for safe driving.
This demonstrates how a configurable telematics experience can form part of a broader customer proposition.
Whether you are launching a new telematics programme, improving driver engagement or developing a more differentiated insurance experience, FloowDrive provides a configurable foundation for building around real-world driving data.
Tell us about your objectives, your customers and the experience you want to create. Our team can help you explore the right capabilities and implementation approach.
Plymouth Rock Assurance - YUBI® program
“Plymouth Rock Assurance values its partnership with The Floow. Through the FloowDrive application, we've enhanced our telematics solution, the YUBI® program, resulting in a better experience for insured drivers. The app allows for easy downloading and registration, enabling drivers to complete their driving evaluation and earn discounts for safe driving. The Floow consistently promotes collaboration and the sharing of ideas, utilizing their expertise to align with our strategic goals”
- Plymouth Rock Assurance
Download FloowDrive and experience it for yourself.
See how FloowDrive turns everyday journeys into meaningful driving insights. Explore the app’s telematics capabilities, from automatic journey recording and driver feedback to scoring and engagement features.
Whether you’re exploring usage-based insurance, developing a driver engagement proposition or looking to understand smartphone telematics in practice, FloowDrive offers a practical introduction to The Floow’s technology.
Ready to explore? Download FloowDrive and discover how connected driving experiences can support safer, smarter mobility.
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FloowDrive is The Floow’s configurable, white-label smartphone telematics app. It captures driving data and can provide driver scores, feedback, mileage information and engagement features to support connected insurance and other mobility propositions.
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FloowDrive is designed for organisations that want to offer a smartphone-based telematics experience under their own brand. Potential applications include usage-based insurance, young-driver programmes and propositions that use driving data to support engagement and risk assessment.
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FloowDrive uses smartphone telematics technology to detect and record journeys automatically, subject to the app’s configuration, device capabilities and required permissions. This can reduce the need for drivers to start and stop journey recording manually.
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Depending on the programme and configuration, FloowDrive can capture journey information and driving events and support features such as mileage capture, driver scoring, feedback and trip categorisation. Exact capabilities depend on the implementation.
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Yes. FloowDrive can present driver scores and feedback that help users understand aspects of their driving behaviour. These features can be configured to support the objectives of the programme, including driver engagement and safer-driving initiatives.
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FloowDrive supports configurable engagement features, including rewards and targeted communications where these are included in the programme. Insurers and other organisations can use these features to encourage participation and communicate relevant feedback to drivers.
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Yes. FloowDrive can support usage-based insurance propositions by collecting driving data and enabling features such as driver scoring, mileage capture and driver engagement. The way that data informs an insurance product depends on the insurer’s programme and business rules.
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To explore how FloowDrive could fit your telematics proposition, discuss your intended use case, branding, required features and integration needs with The Floow. Visit our contact page to arrange a conversation or product demonstration.