Profiling the driver behavior in real-time based on the data collected from vehicles to arrive at safety rankings and creating personalized insurance plans is a proven method of reducing the costs and rewarding the safe practices. Problem:  Customer needed to be able to calculate the insurance premium based on the usage of the vehicle Methodology: Cenacle built a vehicle usage tracking platform with below features:

1. Vehicle journeys are analyzed using the OBD sensor data
2. Driver behavioral profiling is done to assess the safety ranking of the driver
3. Driving patterns, such as hard braking, signal jumping, riding the brakes etc. are taken into consideration to arrive at the safety ranking
4. The rankings are tied to the insurance premium rewarding the fuel efficiency and safe driving behaviors

Results: A software platform to analyze the vehicle usage trends and derive the driver safety rankings Key concepts: OBD sensor analysis, Journey analytics, M2M Telematics Domain: Automotive, Banking, Finance, Insurance