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QDT-IoTLAB
IoT Implementation
Connect sensors, gateways and enterprise systems into one operational picture.
View detailsIoT · QDT-VIU-IoT
Usage-based Vehicle Insurance
Driving telemetry that gives underwriters and claims teams real context.
Overview
Usage-based insurance telemetry for vehicle and driver data, underwriting analysis, and claims context.
QDT-VIU-IoT is a model framework for usage-based motor insurance. It is designed to help insurers collect near-real-time vehicle and driver telemetry so actuaries and underwriters can understand driving context, consider safer-driving incentives, and handle claims with richer device history. Historical and real-time device data can support underwriting and pricing analysis at each agreed level of granularity. Insurance decisions remain subject to the insurer’s policies, applicable regulations, and data-governance requirements.
QDT-VIU-IoT does not underwrite policies, approve claims, or replace regulatory obligations. Insurance decisions remain those of the insurer and are subject to applicable law, policy terms, consent, and data-governance requirements. Potential benefits such as fraud reduction or faster claims are not guaranteed.
Use cases
- Usage-based motor programmes
- Underwriting and pricing analysis
- Claims investigation support
Features
What it does
Capabilities are configured per deployment and agreed during scoping.
- 01Usage-based insurance concepts
- 02Vehicle and driver telemetry
- 03Near-real-time data collection
- 04Risk-informed pricing analysis
- 05Safer-driving incentive support
- 06Faster claims handling context
- 07Fraud-reduction potential through richer event data
- 08Historical and real-time device data for underwriting
Benefits
What it means for your teams.
- Insurers can analyse driving context rather than relying only on static rating factors.
- Claims teams can review device-derived event data where policy and consent allow.
- Safer-driving programmes can be supported with evidence, subject to insurer design.
In practice
What Usage-based Vehicle Insurance looks like day to day
An illustrative walkthrough of typical use, based on the product's features. Not a customer case study.
Illustrative scenario
A policy year with QDT-VIU-IoT
An insurer piloting a usage-based motor product (illustrative).
Week 1
Device fitted
Vehicle telemetry starts flowing at the agreed level of granularity.
How it works
How QDT IoT products work
Devices in the field, one operational view.
How QDT IoT products work
Devices in the field, one operational view.
Press Play the flow, or hover and click any step to see what it does.
Our approach
Step by step, with you.
Each stage ends with something you can review, so decisions stay visible and reversible.
- 01
Scope the domain
Choose the product that fits (fleet, plant, hospitality, building or insurance telemetry).
- 02
Configure devices
Select and configure devices and connectivity for your environment.
- 03
Set up the platform
Configure users, roles, alerts, dashboards and reports.
- 04
Integrate
Connect to the enterprise systems your teams already use.
- 05
Go live and support
Roll out, train teams and refine the configuration with real use.
What you get
Deliverables
- Configured devices and connectivity
- Platform set-up with users and roles
- Alert rules and dashboards
- Integrations with existing systems
- Training and hand-over
FAQ
Questions we hear
Who is this for?
Insurers exploring usage-based motor products and richer claims context.
Who owns the regulatory obligations?
Insurance and data-protection obligations remain with the regulated insurer.
Are features the same for every deployment?
No. Capabilities depend on configuration, devices, network coverage and your policies, and are agreed during scoping.
Can QDT IoT products connect to our ERP?
Integration with enterprise systems is part of implementation and is scoped per deployment.
Collateral
Collateral
Product brochure
Ask us for the latest material on Usage-based Vehicle Insurance, and a specialist will send it along with answers to your questions.
Start a conversation
See Usage-based Vehicle Insurance in your context.
Tell us about your sites, users and systems, and we will walk you through a configuration that fits.