With the rise of the connected car , insurers and brokers can now offer telematics options for VTC/TAXI drivers. OBD boxes, mobile applications or on-board sensors measure driving in real time: acceleration, braking, mileage, out-of-zone trips, etc. Their deployment offers concrete advantages — behavior-adjusted premium, early loss detection — but also raises risks : data protection, driver acceptance, technical integration. KT Courtage details these opportunities and pitfalls for you, to build a win-win offer.
What is auto telematics?
- Data collection : speed, braking, acceleration, journeys, stopping times
- Real-time transfer via mobile network
- Analytics platforms that generate driving reports
Norms and standards
- OBD II (diagnostic port)
- Secure MQTT or HTTP protocols
- GDPR compliance for personal data management
Opportunities for your VTC/TAXI offers
1. Behavioral Pricing
- Premium reduction (10–20%) for good drivers
- Surcharge for proven risky behavior
- Fine customer segmentation : loyalty of cautious profiles
2. Disaster prevention and management
- Real-time alerts in case of shock or accident
- Rapid assistance intervention based on geolocation
- Reconstruction of the facts using telematics data
3. Fleet optimization
- Accurate mileage tracking for pay-per-mile billing
- Predictive maintenance : alerts before mechanical breakdown
- Route planning to reduce consumption and wear
Pitfalls to avoid
1. Protection of personal data
- Establish a GDPR processing register
- Inform and obtain explicit consent from the driver
- Limit storage to the necessary duration (maximum 1 year)
2. Acceptance by drivers
- Total transparency : explaining the use of data
- Offer an opt-out option for certain measures (private journeys)
- Plan a test period without impacting the premium
3. Integration and technical maintenance
- Choose a reliable provider with 24/7 support
- Check interoperability with your management systems
- Plan OTA updates for fixes and new features
Best implementation practices
- Pilot phase : deploy on a sample of volunteer drivers
- Dashboard : clear interface to monitor key indicators
- Training : Explaining to drivers how to interpret and improve their scores
- Contractual revisions : adjusting confidentiality and pricing clauses
Conclusion
Telematics is a powerful tool for modernizing private hire/taxi insurance: fair premiums, proactive prevention, and optimized fleet management. However, its success depends on driver trust and data security . By combining a transparent offering, a robust technical system, and GDPR expertise, KT Courtage can help you launch a profitable and compliant telematics solution.