Think of Zendrive as a smart driving coach that quietly rides along in your phone, watching how you drive and turning that behavior into a safety score insurers can use to price policies and prevent accidents.
Traditional auto insurance relies on crude proxies like age, ZIP code, and credit score, which miss real risk and create unfair pricing. Zendrive uses real driving behavior to more accurately assess risk, reduce claims, and support safer driving programs.
Longitudinal driving behavior data at scale (billions of miles of mobile telematics), proprietary scoring models, and deep integrations with insurers and mobility partners create high switching costs and data network effects.
Classical-ML (Scikit/XGBoost)
Time-Series DB
High (Custom Models/Infra)
High-volume, always-on mobile sensor data ingestion and storage, plus real-time scoring latency and strict privacy/regulatory constraints.
Early Majority
Primarily mobile-first telematics (sensor data from smartphones) rather than requiring OEM hardware or dongles, with a focus on turnkey scoring and safety insights that can be embedded into insurers’ and mobility apps.
108 use cases in this application