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 * Our Solutions
   
   FloowDrive
   
   Our years of experience building telematics solutions distilled into a
   robust, flexible, production-ready platform
   
   FloowKit
   
   Our Software Development Kit (SDK) which turns smartphone apps into
   telematics sensors
   
   FloowFleet
   
   FloowFleet is designed to support insurers offering policies to small fleets
   of light duty vehicles
   
   FloowScore
   
   Our scoring system which harnesses software, sensors and data to help
   insurers price policies and more accurately predict driver risk
   
   FloowCustom
   
   Fully bespoke telematics solutions.
   
   FloowCoach
   
   Our coaching programme which focuses on helping drivers to improve their
   performance in the long-term
   
   FloowTag
   
   Our small Bluetooth Low Energy device available for use alongside FloowDrive
   to aid journey data collection
   
   MobilityIn
   
   Our mobility insights service providing an unprecedented view of traffic
   behaviours across the entire road network
   
   Rewards
   
   These driver incentive schemes are a simple way to encourage and maintain
   behaviour change in order to create better and safer drivers
 * Our Expertise
   
   Engagement
   
   We take the time to understand what our users need so that we can create
   products and solutions that not only delight, but also make drivers safer.
   
   Data & Social Sciences
   
   We take the data we collect and incorporate social science techniques to
   provide further understanding of driver behaviour.
   
   Engineering
   
   Our teams use software, sensors and data to build our telematics capability
   into best in class solutions.
   
   Research & Development
   
   We have always explored the future horizons of new and adjacent technology,
   keeping us at the cutting edge of science.
   
   Distracted Driving
   
   Our mission to make mobility safer and smarter for everyone drives our work
   to tackle the issue of distracted driving.
 * About us
 * Careers
 * Latest
 * Contact us

 * Our SolutionsToggle menu
   
   * FloowDrive
     
     Our years of experience building telematics solutions distilled into a
     robust, flexible, production-ready platform
   
   * FloowKit
     
     Our Software Development Kit (SDK) which turns smartphone apps into
     telematics sensors
   
   * FloowFleet
     
     FloowFleet is designed to support insurers offering policies to small
     fleets of light duty vehicles
   
   * FloowScore
     
     Our scoring system which harnesses software, sensors and data to help
     insurers price policies and more accurately predict driver risk
   
   * FloowCustom
     
     Fully bespoke telematics solutions.
   
   * FloowCoach
     
     Our coaching programme which focuses on helping drivers to improve their
     performance in the long-term
   
   * FloowTag
     
     Our small Bluetooth Low Energy device available for use alongside
     FloowDrive to aid journey data collection
   
   * MobilityIn
     
     Our mobility insights service providing an unprecedented view of traffic
     behaviours across the entire road network
   
   * Rewards
     
     These driver incentive schemes are a simple way to encourage and maintain
     behaviour change in order to create better and safer drivers
 * Our ExpertiseToggle menu
   
   * Engagement
     
     We take the time to understand what our users need so that we can create
     products and solutions that not only delight, but also make drivers safer.
   
   * Data & Social Sciences
     
     We take the data we collect and incorporate social science techniques to
     provide further understanding of driver behaviour.
   
   * Engineering
     
     Our teams use software, sensors and data to build our telematics capability
     into best in class solutions.
   
   * Research & Development
     
     We have always explored the future horizons of new and adjacent technology,
     keeping us at the cutting edge of science.
   
   * Distracted Driving
     
     Our mission to make mobility safer and smarter for everyone drives our work
     to tackle the issue of distracted driving.
 * About us
 * Careers
 * Latest
 * Contact us

Request Demo

Otonomo acquired The Floow - transforming connected insurance solutions with
data-driven mobility intelligence


FLOOWDRIVE

Our FloowDrive solution takes everything we’ve learned from years of building
successful telematics solutions and distils it into one robust, quick-to-deploy,
white label platform.

FloowDrive uses a policyholder’s smartphone as a powerful mobility sensor. Once
the user has registered and downloaded the app from their insurance company –
available in the App Store or Play Store – it will start recording journeys
completed in the car. Our technology is able to automatically differentiate
between a car journey and other modes of transport e.g. bus or train, and the
user can also manually adjust the app after a journey to allow for trips where
they are a passenger not a driver.



EACH JOURNEY IS GIVEN A SCORE ON THE BASIS OF THE FLOOW’S EXISTING DRIVER
SCORING METHODOLOGY:

 

SMOOTH DRIVING

A measure of the driver’s anticipation including acceleration, braking and
cornering.



DISTRACTION

A measure of mobile phone use that can take the driver’s eyes and mind off the
road.

FATIGUE

A measure of the length of a journey. After a continuous journey of 2 hours,
driver fatigue can set in.

SPEED

A measure of the safety of the speed the car is travelling at.

TIME OF DAY

A measure which considers the time of day or night of the journey. Driving
during the night is around 10 times riskier than driving during the daytime.

These journey scores are available in real time in the app, and are also visible
to the insurance company and integrated into their portal. In addition, insurers
can easily build their own unique scoring IP on top of FloowDrive. We work
directly with actuaries and underwriters who share their claims data with us to
ensure our scores uniquely predict insurance risk allowing them to price
policies straight from the telematics data we make available to them. Once
claims data is shared, those results are the distinct IP of that client. This
unique approach delivers three times the profitability per telematics customer
when compared to traditional policy types.

According to the driver’s profile, the insurance company can opt to offer a
range of additional services via FloowDrive. For example, our data shows that
providing drivers with incentives – which could be reduced premiums, or other
rewards – to reflect better driving works to deliver significant score
improvements. Some drivers also respond very well to specific coaching
programmes, like our FloowCoach service.



There is also the opportunity to add our small, stand-alone BLE device,
FloowTag, to a FloowDrive proposition. FloowTag is self-installed to a vehicle’s
windscreen and once linked to a driver’s phone, via the FloowDrive app, it
ensures that the phone records only journeys from that vehicle.

Through the app, drivers can view journey scores and information relating to the
tag including battery level and connection status. FloowTag is simple to install
and ensures that only journeys where a driver’s phone and FloowTag are in range
are captured – improving phone battery life as well as the accuracy of our
scoring and mileage captured.

 

--------------------------------------------------------------------------------


FEATURES AND BENEFITS OF FLOOWDRIVE

SCORING

A reliable, best in class scoring and analytics engine that’s been developed
over the last eight years. Combining a world class suite of behavioural scores,
our scoring engine is proven to be highly predictive of claim propensity.

INSURER PORTAL

A user-friendly web portal providing a range of data including driver scores and
app engagement. This allows clients to easily deal with customer queries such as
changing end-user passwords, updating journey tags and disabling a user account.

SIMPLE CUSTOMISATION

Easy customisation and configuration of the platform so both the end-user app
and policyholder communications such as client emails can be built to meet
specific branding and colour palette requirements.

INTUITIVE APP INTERFACE

With easy registration, a clear scoring dashboard, dynamic localisation and
native UI conventions.

BUILD OWN IP

Insurers can easily build their own unique scoring IP on top of FloowDrive.

SIMPLE ONBOARDING

Onboarding communications making the registration process more efficient for the
policyholder and the insurer, promoting policyholder engagement with telematics
and the smartphone app.

QUICK TO DEPLOY

Unlike custom deployments that can take several months, FloowDrive can be up and
running in just a few weeks.

FLEXIBLE

Can support small scale pilots to test and learn, but easily scalable.

COST EFFECTIVE

App based and ready to go, FloowDrive delivers excellent value for money, with
huge cost savings against custom deployments.

PAIR WITH FLOOWTAG

Ability to add FloowTag, our small BLE windscreen tag, to a FloowDrive
proposition – ensuring that, once linked, only journeys from the insured vehicle
will be recorded by the driver’s phone

 


OPTIONAL ADD-ON MODULES


REWARDS

Our rewards module allows insurers to incentivise good driving behaviour in
order to reduce their risk and reinforce positive behavioural change.


FLOOWCOACH

Our pioneering driver coaching programme, offers a 12-week programme of
telephone-based conversations with highly trained behavioural coaches to target
drivers with the lowest scores.


FLOOWTAG

Our FloowTag product is a small BLE device which is self-installed to a
vehicle’s windscreen and can be used alongside FloowDrive. Once FloowTag is
linked to and in range of the driver’s phone, it ensures that the phone records
only journeys from that vehicle. 

--------------------------------------------------------------------------------


LATEST ON FLOOWDRIVE

View all latest posts

The Floow and Direct Line Group Expand App Telematics Partnership

Global telematics leader The Floow announced today that it has expanded further
its partnership with Direct Line Group (“DLG”) with the launch of a smartphone
app-only version of its telematics insurance offering, DrivePlus.

Driven #6 April 2021

This issue of Driven includes: The Future of Risk: The Future of Motor Insurance
in a Post-COVID World; Introducing FloowClaims: Our Claims Service Built To
Deliver The Future of Claims Management; UPLIFT: Ensuring Fairness Within
Insurance and Technologies and Spotlight On… Our Technical Customer
ServicesTeam.

Product Release Notes: Release 9.1

We’re pleased to present Release 9.1 which follows on from Release 9 and
features further improvements, and the introduction of new capabilities to our
products.

UK OFFICE

The Floow Campus,
Wicker Lane,
Sheffield, UK
S3 8HQ

+44 (0) 114 270 1114

GENERAL ENQUIRIES

info@thefloow.com

PRESS ENQUIRIES

 * press@thefloow.com

FOLLOW US

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 * YouTube

USA OFFICE

The Floow North America
1990 N California Blvd,
Suite 20, Walnut Creek,
CA 94596, USA

+1 855 447 9252

LEGAL

 * Data, Privacy and Accreditations

© Copyright 2012-2020 The Floow Limited - All Rights Reserved.

Company reg no: 07968005. VAT no: GB 145 0040 61

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