Telematics boxes and dashcams can prove safe driving and lower insurance premiums for VTC and taxi drivers.
Faced with the constant increase in insurance premiums, brokers are looking for concrete levers to offer more competitive contracts to their clients, particularly VTC and taxi drivers . Among the most innovative and effective solutions: telematics boxes and on-board dashcams .
These technological tools allow us to measure driver behavior , demonstrate their caution on the road, and provide evidence in the event of a dispute . Better still, they can significantly lower insurance premiums .
In this article, KT Courtage explains how to integrate these solutions into your offerings, and how they can become a strong argument for retaining your customers.
What is a telematics box and how does it work?
A driving behavior rating tool
The telematics box is a small device installed in the vehicle which analyses:
- Average speed and excesses
- Sudden braking
- The tight turns
- Acceleration and driving hours
This data allows the insurer to assess the driver's actual risk level .
Driver scoring
A driving score is assigned automatically. The higher (and therefore more cautious) it is, the more the insurance premium can be reduced , up to -25% in some cases .
And what about dashcams?
On-board cameras for evidence in case of disaster
Dashcams (front or dual-view cameras) continuously film the road. In the event of an accident, they allow:
- To prove the driver's non-responsibility
- To speed up the processing of the claim
- To avoid fraud or unjustified accusations
Some companies offer a bonus on the premium or priority processing of files in the event of equipment.
Why do these tools appeal to insurers?
Risk reduction
A monitored driver is often more vigilant . This reduces:
- The frequency of accidents
- Attempted fraud
- Repair costs
Transparency and traceability
In the event of a dispute, the insurer has objective elements to decide quickly. This improves the overall profitability of the contracts .
How to make this an argument for your broker clients?
Integrate these tools into your offers via KT Courtage
KT Courtage works with partner insurers who offer:
- Premium reductions upon installation of a box
- “Connected driving” formulas adapted to VTC/taxi
- Optimized claims management thanks to video evidence
Support your customers with the installation
Offer your customers:
- A turnkey solution: vehicle + insurance + telematics
- Advice on eligible equipment
- Help with reading driving scores
Concrete results for your customers
| Tool | Potential reduction | Benefits |
|---|---|---|
| Telematics box | –10% to –25% | Rewards safe driving |
| Dashcam | Variable | Proves non-liability, avoids litigation |
Conclusion
In an ultra-competitive market like that of VTC and taxi insurance, offering innovative contracts is a strategic advantage .
By recommending telematics boxes and dashcams to your customers, you allow them to reduce their premium , better protect themselves , and maintain a relationship of trust with their insurer.
👉 Are you a broker looking to add telematics or dashcam offerings to your portfolio? Contact KT Courtage to access our exclusive solutions.