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Pay-As-You-Drive Insurancedata

Smart Data, Smart Analytics, Smart Driver

Many auto insurance carriers now offers Pay-As-You-Drive (PAYD)or User Based Insurance (UBI) insurance program across North America. The smart phone device is used to monitor driving habits including distancetravelled,driving time of day, how fast is the acceleration, braking habits, hard cornering and the frequency of sudden stops. A personalized car insurance discount of up to 30 per cent can be earned by those who drive less, in safer ways, and during safer times of day. Insurance companies say the average savings for customers who choose to participate in their optional program is 10 to 15 per cent, or $150 per year.
Ugran software solution collect and provides insurance carriers with this crucial driving data of the driver and also equip them with the data analytic software to analyze each customers uploaded data to determine their driving habits and insurance rebate. The software based solution is completely residing in a smart phone without the need of any additional hardware which makes the deployment easier for the insurance companies and much user friendly for customers.
This data is also crucial for the drivers to learn more about their driving habits and act as a learning tool to be more responsible on the road, improve road safety and help make their driving more comfortable and pleasurable.
Each insurance provider has different targets and each insurance policy is different. Our solution is built on a flexible platform which can be packaged according to various insurance company requirements and can be packaged with feature they desire that enables speedy market deployment without sacrificing flexibility to create programs targeted at policyholders.


Help people to improve the driving culture.
Your smart phone will become a driving culture tracking secretary.
Record driver’s driving culture and gestures and help people to improve their driving habits.