InsurTech Telematics Motor Insurance Platform — UK MGA

Smartphone Telematics SDK Integration: Telematics SDK: Arity (Allstate subsidiary) SDK for iOS (CoreMotion, CoreLocation) and Android (Sensor Fusion API). Events captured: trip start/end, speed (GPS), acceleration/braking (accelerometer), cornering (gyroscope), phone usage while driving (screen on/off, gyroscope). Privacy: ICO guidance — driver monitoring data is sensitive personal data even if not special category. Legal basis: contract performance (telematics policy is based on driving data). GDPR: driving data retained for policy term + 7 years (FCA record-keeping), then deleted. High-Volume Telematics Data Pipeline: 420 million events/month = 140,000 events/minute at peak. Architecture: mobile SDK → AWS Kinesis Data Streams (partitioned by policy ID) → Lambda (event processing + trip assembly) → DynamoDB (trip records) → S3 (raw event archive). Trip scoring: Lambda + SageMaker (ML model — driving score 0–100 from speed, acceleration, braking, cornering, time-of-day, distance). Scoring latency: trip score available within 5 minutes of trip completion. FCA ICOBS Dynamic Pricing Transparency: ICOBS 6: price for telematics product must be clearly explained — how driving score affects premium. Pricing dashboard: driver sees their score, component breakdown (speed 30%, acceleration 20%, braking 20%, cornering 15%, time-of-day 15%), and projected renewal premium based on current driving. FCA Consumer Duty: value assessment — telematics pricing must demonstrate fair value vs standard non-telematics premium (telematics driver with good score must achieve meaningful discount). Fraud Detection and Policy Management: Mileage fraud: GPS mileage vs declared mileage at policy inception — automatic flag if > 20% discrepancy. Trip spoofing: accelerometer pattern analysis detects plugged-in phone vs carried-in-vehicle (different vibration signature). FCA Consumer Duty vulnerability: if driving score suddenly deteriorates (job loss, illness causing changed driving patterns), flag for underwriter review rather than automatic cancellation. Policy mid-term adjustment: driving score below threshold → automated letter with required improvement period before renewal consideration.