The company provides a usage‑based motor liability insurance product that calculates premiums from real‑time telematics data collected via a smartphone app. Drivers can obtain quotes, purchase policies, and manage claims entirely online, while the app scores safety and emissions to offer discounts and incentives for low‑risk, low‑CO₂ driving.
Funding
Funding not disclosed
Founders
Product
Problem
Many drivers pay the same auto insurance premium regardless of how safely or efficiently they drive, while traditional policies lack real‑time feedback and digital tools for easy management, leading to higher costs for low‑risk motorists and limited incentives for reducing emissions.
Solution
The company offers a usage‑based motor liability (RC) insurance product in partnership with ITAS Mutua, priced according to actual driving behavior captured by the Drive Connexa mobile application. The app continuously records trip data, evaluates safety metrics (e.g., braking, acceleration, speed) and emission impact, and automatically adjusts the premium to reward lower‑risk, low‑emission driving. Policyholders can obtain quotes, purchase coverage, and manage their contract entirely online, while a 24/7 digital assistant provides support for claims and routine inquiries. By linking telematics data to insurance pricing, the service aligns cost with risk and promotes greener driving habits.
Target Audience
The service targets private car owners in Italy who seek flexible, cost‑effective auto insurance and are motivated to improve driving safety and reduce environmental impact.
Features
- Smartphone‑based telematics engine that logs GPS, speed, acceleration, braking and fuel‑consumption metrics for each trip
- Real‑time safety scoring algorithm that translates driving performance into premium discounts
- Emission‑impact calculator that provides feedback on CO₂ savings and further incentives for low‑emission behavior
- Integrated online portal for quote generation, policy issuance, document storage, and payment processing
- 24/7 AI‑driven support chat for claim filing, policy queries, and technical assistance
- Gamified driver challenges that encourage safe driving and allow users to earn additional rewards
- Secure data transmission and storage compliant with GDPR and IVASS regulations, with role‑based access controls
- Seamless API integration with ITAS Mutua’s underwriting system for automated policy underwriting and renewal