Modus for Insurance

Because Not All Drivers Are Created Equal

Industry-leading connected car insurance solutions built to attract new customers, while engaging and retaining current policy holders.

Target The Best Drivers For Your Program

With the most innovative, scalable and flexible connected car platform available, Modus delivers actionable driver performance data that enables you to identify and characterize more accurate risk profiles, and improve pricing and profitability across your entire portfolio.

Product Overview

Driver Behavior Scoring and Ranking Web and Mobile User Interface


Smarter Acquisition and Retention

Modus provides the most reliable, predictive data available to target, attract and retain drivers with pricing based on how drivers actually drive.

Connected Car Insurance Telematics Distracted Driving Solution
Insurance Telematics Experts

We are Experts at Running UBI Programs

We will guide you each step of the way:

  • Quality Assurance
  • Dedicated Modus Account Manager
  • Production Support
  • Monitoring
  • Deployment

Published Benefits of Telematics Programs

Towers Watson*

  • 30% loss ratio improvement
  • Largest UBI underwriter in the US


  • 15% improvement in combined ratio
  • 43% improvement in lapse ratio
  • 83% improvement in cross-selling ratio


  • 20% drop in crashes involving young drivers
  • Average claims up to 30% lower
  • In general, telematics users have fewer serious accidents


  • 20% reduction in collisions
  • Up to 10% reduction in operating costs
  • Up to 11% reduction in fuel consumption
  • 66.4% reduction in annualized accident rate for damage claims
  • 59% reduction in cost per vehicle for the damage claims
  • 72.2% reduction in annualized accident rate for 3rd party claims
  • 83.1% reduction in cost per vehicle for 3rd party claims

*Source: TowersWatson, “The Future Insurance Data and the Customer Relationship”, Connected Car Insurance USA 2016, Chicago
**Source: SOA Actuarial Seminar, Long Term, Auto, General Insurance; Seoul, South Korea; Nov. 16, 2015; David Dou, FCAS

Why Modus?

Deploy with Ease

Deploy Modus efficiently to all of your customers.

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Deliver More Value

Differentiate your brand and delight your customers with leading technology.

Customize to Fit

Use Modus out of the box, or tailor it to your exact specifications.

Minimize Risk

Reinforce and incentivize good driving behavior to reduce portfolio risk.

Build for the Future

Invest in a platform designed to adapt to future technology.

Actionable Data Insights Icon

Gain Accurate, Reliable Insight

Collect and analyze behavioral data to uncover portfolio insights and better understand risk.

UBI Scoring Algorithm For Risk Assessment

Skilled in Operations & Logistics Since 2002

You’re connected car insurance solution is in expert hands:

  • Extensive Quality Control Testing
  • Program Management Tools
  • Web Services Integration
  • Highly Scalable Data Hosting
  • Customized Analytics
  • Key Performance Indicators

Flexible, Fast Implementation

With an instantly scalable cloud-based platform, open architecture and indefinite data maintenance, Modus is able to deploy your program quickly in multiple geographies simultaneously.

Worldwide UBI Deployment

End-to-End Solution

What more could you ask for?

Modus Apps, Data Collection & Analysis, Driver Behavior & Education, Management Platform with API Access, Customer & IT Support, 3rd Party Integrations, Vehicle Health, Claims Module icons

Learn about Modus for Insurance

Discover how insurers rely on Modus to better understand their customers and portfolio, reduce overall risk, deliver more value, and incorporate actual behavioral data, ratings, and risk into pricing.

Driver Behavior Scoring and Ranking Web and Mobile User Interface