FloowScore

For over 12 years, The Floow has led the pack in smartphone driver scoring.

Together with global insurance giants, we’ve sharpened our risk scoring system, now powering the creation of innovative insurance products.

We have seen up to a whopping 18% boost in combined operating ratios for some of our clients utilising FloowScore.

Our Mobile Telematics goes beyond tracking driving habits - it measures mobile distraction, a key risk indicator. We’re not just scoring drivers, we’re shaping the future of insurance.

Collection of driving safety tips including smooth driving, driving during day and less busy times, journey duration, avoiding device distraction, and maintaining vehicle speed.

Predictive Excellence

Where FloowScores predict a bad driver the claims performance is typically 25% worse than traditional models would predict.

Where FloowScores predict a good driver the claims performance is typically 25% better than a traditional model would predict.

Three circular progress indicators showing scores out of 100: 68 in a gold circle, 87 in a green circle, and 40 in a red circle.
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Icon of a video camera on a green background

Would you like to find out more or discuss your business needs?

  • Get in touch to discuss your unique business needs and see how we can provide solutions and services to meet them

  • Experience product demonstrations by arranging a 30-minute demo with one of our sales team

  • Receive personalised guidance from experienced, industry professionals

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Customized score configuration optimized to reflect your program

Our scores are highly configurable, allowing you to fine-tune your score over time to match your portfolio and create your own IP.

The overall driver’s score can be uniquely weighted based on individual score components, and these components themselves consist of multiple elements that can also be uniquely weighted.

This flexibility means that you can collaborate with Floow and create a customized score configuration optimized to reflect the risk profile of your programs.

FloowScore Components

  • Abstract blue and white circular design on a light gray background

    Smooth driving

    We assess the fluidity of a user’s driving habits. Those who exhibit frequent harsh braking and accelerations are typically associated with a higher insurance risk.

  • Simplified icon of a smartphone with a circular home button.

    Mobile use

    We assess mobile distractions that may cause drivers to divert their attention from the road. Distraction stands as the most influential Behavioural Score in predicting claims, a feature exclusively available through mobile Telematics.

  • Icon of a speedometer gauge with the needle pointing to the high end

    Speed

    This refers to an assessment of the vehicle’s speed. Drivers who drive with excess speed can be correlated with a higer risk of having an accedent.

  • Icon of a stopwatch or timer.

    Duration

    Duration scoring quantifies the continuous driving time of a driver without taking any breaks. It has been observed that drivers who undertake long journeys without regular stops are at a higher risk of being involved in an accident.

  • Simple clock icon showing the time.

    Time and day

    A measure which considers the time of day or night of the journey. Driving during the night is around 10 times riskier than driving during the daytime

Customers using this product

  • AVIVA logo with a stylized multicolored square and the word AVIVA in blue text.
  • Old Mutual logo with green and black text and a geometric emblem
  • Logo of Direct Line with a red rotary phone icon to the left of the text
  • Logo with the words "churchill" in black and blue, with a TM trademark symbol.
  • Black text reading 'Privilege' with a small red dot at the end
  • Green logo with a star and the words 'Star Casualty'
  • The word ERGO in bold red letters on a black background.

  • “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

  • “From our telematics experience developed over the past 5 years, we know that the safest drivers make the fewest claims. It’s only right that they should be able to access the most competitive insurance premiums, so Fidelidade is happy to provide this solution to Via Verde customers in Portugal by working with The Floow”

    Marcelo Sousa, Connected Cars Manager at Fidelidade

By utilizing our white label app, FloowDrive, you can launch to market in as little as 8 weeks.

Contact us
Mobile app screen showing tips to improve driving score, including smooth driving, mobile distraction, vehicle speed, journey duration, and time of day, with a green thumbs-up icon.
Smartphone screen showing a driving app with an overall driver score, weather forecast with 12°C and showers, and menu options at the bottom for Home, Journeys, and More.