R&D: Behaviour

To estimate risk across driving, it is vital to understand the risk from the specific behaviours of each driver. This is the fundamental core of telematics – enabling the improved estimation of individual driver risk. However, it is not as simple as understanding the numbers of harsh braking events which poorly predict risk. 

Instead, the core aim remains to add further to the understanding of a balanced and evidential view over all possible observable risk factors. However, it is vital in any such analysis and optimisation to ensure that any techniques employed remain:

  • Fair
  • Consistent between multiple measurements
  • Not subject to raw sensor noise
  • Not overly intrusive to end-user’s privacy 
  • Without bias (device used, user demographic) 
  • As clear as possible to end-users in what they do 
  • Above all – Maximally predictive  

Therefore, The Floow focuses core R&D efforts into improving fine-grained understanding of driver behaviour to optimise the above aims. This focus looks at new improved insights into behaviour to ensure the best understanding of driver behaviour is reached.

Ultimately, the study of ‘behaviour’ looks for meaningful discriminators, able to identify potential new characteristics of drivers such that they could enable better identification of good vs. bad risk driving. This work directly feeds into our future scoring approaches allowing for clearer insight and value for all our insurance clients. 

the floow logo next to the word 'uplift'

UPLIFT project

UPLIFT is The Floow’s research project that seeks to strengthen the UK’s position in the motor insurance sector. Over the course of 21 months we will build better and fairer insurance products by expanding our telematics capabilities. This expansion will be powered by a series of studies into sensors and their data.

For more information, visit the UPLIFT project page.

Other areas of our R&D

Future of Mobility