InsurTech Digital Motor Insurance Platform — UK Direct Insurer

UK motor insurance telematics

black box telematics (hardware device installed in vehicle) or smartphone telematics (iOS/Android app using phone GPS and accelerometer).

Telematics data

driving score (speed, acceleration, braking, cornering, time of day — composite score per journey), mileage (actual vs estimated at renewal), area (postcode of most frequent driving).

FCA Consumer Duty PS22/11 telematics

usage-based insurance must offer lower premiums for low-mileage and safe drivers — actuarial evidence required.

Telematics platform

AWS IoT Core (device data ingestion — MQTT, 10-second updates per journey) → Kinesis (stream processing) → S3 (journey archive) → SageMaker (driving score ML model) → policy database (score update per renewal).

FCA PS21/11 Renewal Pricing Compliance

FCA PS21/11 (General Insurance Pricing Practices): from January 2022, insurers cannot charge existing customers more at renewal than equivalent new customer price.

Renewal pricing compliance

• 1renewal price must not exceed new customer equivalent (same risk profile, same distribution channel),
• 2renewal quote generation: price calculated from current risk factors (age, vehicle, address, claims history) — same model as new customer quote,
• 3renewal walk-away right disclosed (customer can cancel without penalty at renewal),
• 4renewal comparison shown (last year's premium vs this year's — explicit percentage change), (5)

FCA reporting

annual renewal pricing data reported to FCA (GABRIEL supervisory return).

Automated PS21/11 check

• renewal price → new customer equivalent price API → if renewal &gt
• new customer → automatic reduction to parity.

MID and DVLA Integration

MID (Motor Insurance Database): every UK motor insurance policy must be notified to MID within 24 hours of inception.

MID API

• 1new policy notification (vehicle registration, policy number, inception date, expiry date, insured name),
• 2policy cancellation notification (MID removal on cancellation),
• 3policy renewal notification (continuous cover maintained).

DVLA V5C API

• vehicle details (make, model, engine size, registration date — from DVLA V5C database) used for risk rating.
• DVLA continuous insurance enforcement (CIE): DVLA cross-references MID against DVLA vehicle register — SORN or uninsured → DVLA enforcement action.
• MIAFTR (Motor Insurers' Anti-Fraud and Theft Register): vehicle write-off records — check at quote (previous write-off affects risk rating and insurability), total loss notification (after claims settlement).

Digital Claims FNOL and Repair Network

FNOL (First Notice of Loss) digital: customer reports claim via web/app (not phone — Consumer Duty consumer support outcome).

FNOL capture

accident date/time, description, third party details, injuries (if any), photos (upload from mobile).

Liability triage

• 1non-fault (liability clearly with third party → third party insurer notification via MIB Claims Portal),
• 2fault (customer at fault → own damage repair),
• 3disputed (liability unclear → claims handler review).

Approved repairer network

280 UK approved repairers (postcode search) — customer selects repair centre, appointment booked via API.

Courtesy car

automated courtesy car booking from approved repairer partner (repairer confirms availability → customer notified).

Claim settlement

• 1repair estimate approved (Audatex repair estimate tool — insurer/repairer shared),
• 2payment to repairer (GoCardless B2B BACS),
• 3customer notification (GOV.UK Notify).