UPLIFT is a 21 month project, which started in February 2019, to strengthen the UK’s position in the motor insurance sector building upon telematics capability. UPLIFT seeks to empower improved and fairer insurance products to make mobility smarter and safer for all.

Driver and passenger in car Driver and passenger in car

The UPLIFT project is being funded by the Industrial Challenge Strategy Fund and takes place across the UK to enhance the insurance industry through telematics. It works to provide fairness and a lack of bias when telematics is used for insurance purposes by ensuring the use of ethics and data transparency throughout the process.

Why Is The Project Important?

UPLIFT has been designed to research new telematics enhancements to target strategic improvements in: 

  • Fairer risk estimation – to enable improved and fairer pricing
  • Fairer fraud estimation – to add new aspects in to support fairer processing
  • Enhanced driver feedback – to lower risk and improve care of the policyholder to strengthen insurer-policyholder relationship

The project’s goal is to grow new fine grained understanding of risk directly from telematics, minimising the usage of traditional insurance risk criteria which are less easy to justify and potentially unfair to policyholders. It also aims to enable fairer, personalised and easier to understand insurance products for drivers.

the floow logo next to the word 'uplift'

What Is The Floow’s Involvement With UPLIFT?

The Floow is driving this project forward by working with an interdisciplinary group of experts from different backgrounds including data science, driver psychology and behaviour, and insurance risk estimation.

The group are working together to ensure the project targets areas including:

  • Bias identification and reduction
  • Increased transparency and feedback to policyholders
  • Improved protection of privacy for policyholders
  • Strong ethical data handling

The Project’s Influence On Our Product Development

UPLIFT allows us to focus on better driver understanding to improve and refine key components of our scoring algorithm. This will not only have a positive impact on our product growth but it will benefit our clients (insurers) and their customers (policyholders) by allowing them to better understand their driving behaviour through their journey scores and driver feedback.