Smartphone-Based Telematics for Usage Based Insurance

In this chapter we study and introduce a smartphone-based telematics system for usage-based insurance (UBI). The smartphone has been identified as an enabler for future UBI, replacing the in-vehicle telecommunication hardware devices with a ubiquitous device with a plurality of sensors, means for data processing and wireless communication. We implemented and developed an end-to-end system including a telematics android-based application for client’s smartphones and a portal to collect, analyze and record driving patterns and score drivers. Also monitoring driver behavior, recording their driving events (safe and aggressive) and giving feedback of recorded events can enhance driver safety. So we developed an android-based application, which can estimate driving behavior, using data only from the accelerometer sensor or using orientation data of a sensor fusion method. Complementary, we developed a portal, where we can have access to an overall dashboard of all registered drivers. In the portal are presented scores, behaviors, trips reports and routes in maps of all recorded trips. With this way, we help the insurance carriers to assess better the risk of the drivers.