The problem
Insurance underwriting still relies heavily on demographic proxies (age, region, prior claims). Telematics data offers a much better signal — how someone actually drives — but insurers who want to use it need reliable, structured data at scale.
Fleet operators want the flip side: lower premiums for safer driving, and evidence when a claim is unfounded.
What Netlynk provides
- Per-driver scoring: harsh braking, acceleration, cornering, speeding, night driving
- Per-driver risk profile export ready for insurer intake
- Pay-per-km and pay-how-you-drive policy support
- Crash detection with automatic First Notice of Loss (FNOL) report
- Historical trend per driver, per fleet, per period
How it looks in practice
Every trip is scored on driving events. Per-driver profiles are exported directly to the insurer's underwriting system on a schedule. When a crash is detected, Netlynk automatically raises a FNOL report to the insurer with GPS location, event data and the last five minutes of driving telemetry. Fraud claims collapse. Legitimate claims are paid faster.
For UBI insurers, this replaces the OBD dongle they used to ship. Netlynk provides the data pipeline.