The ability to vary auto insurance premiums based on actual drivers’ behaviors to cut motor-insurance losses from risky segments such as young drivers and commercial fleets, in an effort to increase Profitability.


BaseDrive is a powerful auto-insurance mobile application compatible on both Android and Apple phones, providing unparalleled power and visibility to its users; it is downloaded to collect and track the drivers’ performance as well as allowing unprecedented real time access to all of their insurance information.homeheaderdevice3

Combined with a device installed in the vehicle, the app connects to the vehicle device via Bluetooth to capture the data, then transmitting it to the Command Center for Insurers to capture and manage the data.

  • The Command Center is a flexible back-end portal that provides a centralized location for all of an insurer’s insurance related data.
  • It is the gateway between the BaseDrive smartphone mobile application and the insurers’ Policy Administration System (PAS), allowing the insurer to easily customize the program.
  • The rich collected data is used to design and support highly personalized, targeted quotes through the Application generating additional sales and lowering the cost of new customer acquisition.

Access to the Command Center is managed through various defined user profiles (for examples Administrator, Actuary, Customer Service, etc.) which manage the proper access for each role.

The Command Center easily integrates and shares data seamlessly with Insurer’s existing Policy Administration System (Guidewire, Sistran, Exigen, Oneshield, Duck Creek), as an Add-On.

Together, BaseDrive and Command Center are a complete, cost effective flexible solution for insurance companies.

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BaseDrive can be licensed in two modes: Gamify, providing access to fundamental features to engage clients, and UBI, providing access to the full suit of Usage-Based-Insurance features. Upgrading from one to the other when ready to monetize is possible at any time.


In the try-before-you-buy Gamify mode, the insurer uses the low-cost BaseDrive mobile application in gamification mode to validate the market response to an upcoming telematics program prior to launch. It allows the insurer to obtain a wealth of local telematics driving information to enable rating specialists and actuaries to validate their UBI models prior to launch. It also allows insurers to accumulate information on all users who downloaded the application and offer them an insurance premium once the commercial UBI program is ready.

Ultimately, the goal of the Gamify mode is to deliver increased sales via the Quote feature of the app. A quote could be requested by the gamer or the insurer can push a quote to the gamer after 250Kms.

In Gamify mode, the vehicle device is not required. Customized with the insurer’s colors and logo, the mobile app is downloaded from the app stores and acts as the primary tool for data collection.

The Gamify mode uses the concept of “Badges”, earned on safe trips, where the score is 75% or above:

  • 100 km earns Bronze Badge
  • 250 km earns Silver Badge
  • 500 km earns Gold Badge

Depending on the context of each trip, the following Badges can be earned:

  • Highway Driving
  • Visiting Rest Stops
  • Mountain Driving
  • Day Driving
  • Rural Driving
  • Highway Driving
  • Visiting Rest Stops
  • Mountain Driving
  • Eco-Driver
  • Day Driving
  • Night Driving
  • Long Road Trip
  • Rush Hour Driving
  • Driving in Rain
  • Driving in Snow
  • Frequent Driver
  • Explorer


UBI mode is the key towards monetizing the program. It renders all of the solution’s features and functions available to end-users via a full production launch on a dedicated private cloud hosting platform, scalable and personalized to the client’s exact requirements.

In this mode, the shipping logistics are set-up to ship the telematics vehicle devices to new policyholders offering the most accurate view on driving behavior, without having to deal with the normal inconsistencies of using the smartphone as the telematics generating device.


Splash Page

The splash page contains the logo of the Insurer and displays the name of the app chosen by the Insurer.

Login Page

The login page allows the user to either create an account or login into the application. Options for logging in include the user’s e-mail address, pre-existing Facebook profile. The Insurer can provide a user with an activation code to ensure the correct user is using the app, and use that activation code to associate a pre-existing policy number to a user’s profile.

The Dashboard

The dashboard is the main and default page of the application. It displays their most recent trip data and the score a user received which is based on the cohorts the Insurer has configured in the Command Center. The data is collected using either the smartphone’s GPS & accelerometer sensors, or through our Bluetooth OBD-II GPS (typically supplied to policy holders.

The dashboard can also display other widgets. Widgets can be configured to display a variety of information such as billing information, badges, achievements, and/or prizes earned.  The development of new widgets are also available for a nominal fee. The user’s overall score (current month, lifetime or last month) are displayed as well as their score on a per behavior basis (Braking, Acceleration, Speeding, Cornering). Last Trip, Last Week, Last Month, and This Year are filters presented for the user to view their scores based on the time frame selected.

Get A Quote

Users can select to Get a Quote. This section is where the user will request a quote via the application. The personalized telematics information collected from the user is used by the Command Center to produce a quote based on the behaviors and profile data provided by the user. The quote is then pushed to the user’s application for their review and possible purchase. The user will be able to select a quote and connect by phone to an insurer’s predefined phone number to have any required discussion, otherwise they can purchase the quote directly from the application. This section is available for both Gamify and UBI modes to allow users to purchase multiple policies.

BaseDrive 2 - Assistance Page


In this section, a user can click on any of the icons which will have been pre-programmed by the Insurer with specific call-center phone numbers. This menu is available to Policyholders or normal users.  The available numbers/chat destinations and description are configurable in each of the two modes. Typical options include Roadside assistance, General inquiry, Get a quote, and Click to Chat. These options are available as value-added services that an Insurer may offer their customers. When a call center is reached, web services will be pushed to the call center in order to identify the caller to the agent via caller ID, Policy Number and current location from a GPS perspective.

BaseDrive achievementsBaseDrive achievements 2


This section contains all user achievements which are used to motivate the user to utilize the application over a long period of time. The Insurer can set and customize lifetime achievements, with customized logos and colors, including: Acceleration, Braking, Speeding, Cornering, City, Highway, Countryside, Mountains, Sunny, Fog, Rain, Snow, and Night time. Badges can also be set and customized including: Heavy User (after using the application for more than a set number of trips), Social Guru (after getting a settable number of Facebook friends to download app), Perfect Trip (after a perfect Score is obtained), All Terrain (after every road type has been driven through), all Weather (after all weather conditions have been driven in), Profile Set-up (after setting up all the
additional profile information). Users can click on Achievement and get a progression graph view for that specific achievement over time.  There are no limits to which Achievements can be programmed in the system within the Gamify section of the Command Center.


This section contains all Badges a user can achieve throughout the use of the application. These badges are used to motivate the user to utilize the application by encouraging ongoing usage and safe driving over an extended period of time. There is no limit to the types of badges that can be created.  New Badges can be created and activated in throughout the lifetime of the program, without the need to perform app updates.


This section displays the performance of the user when compared to all of the insurers’ users as well as users that have been determined as favorites by the application user which are designated as “Friends”.


In order to stimulate usage and increase application lifespan, Insurers can create prizes based on easily definable rules. Campaigns can be designed and launched with specific prize legibility criteria which are displayed to BaseDrive users in the Challenges section. Users can see if they are illegible, where they rank, and determine if they want to participate. Users can also see how close they are to winning the prize and what they need to do to get the prizes in terms of scoring, behaviors or any number and combination of criteria. Users can get large or small prizes and winners may automatically be notified or entered into a draw for larger prizes. Users can also see which prizes they’ve won and can claims, as well as which prizes they’ve lost.

BaseDrive My Last Trip

Trip History

Allows the user to view their trip history. The data is collected using either the smartphone’s GPS & accelerometer sensors, or through our Bluetooth OBD-II GPS. Trip history allows the user to select a specific date to view their most recent recorded trips. Trips are displayed on a map with their associated scores. Trip history provides a flexible and easy way for a user to view and revise their past trips. A calendar view is provided that shows, in the current month, the daily scores. When clicking on that score, the user is taken to a detailed trip history that displays all trip information as well as a detailed map showing their driving behavior. The user can also see their scores on a calendar as well as graphs of their distance traveled, time traveled, and trips taken.


When a user creates their profile, they will specify their real name, select their personal photograph that will be displayed in the mobile app, select their username to sign into the mobile app, and select their gender. The user can also specify their payment information in either Gamify or UBI mode so that the Client can monetize the user when the user chooses to enter in the Client’s UBI program. Payment information includes Payment type (PayPal or credit card), Driver’s License of the user, Mobile Number of the user, Email address of the user, and Address of the user.

The user can also set or change their profile password, and connect their profile to their Facebook account at which point the app will use the username and photograph of the user from Facebook. The user can provide details of the vehicle, including the registration number, VIN number, make of the vehicle, model of the vehicle, year of the vehicle, and the user can provide pictures of their vehicle. Vehicle information can be used by the Client to provide a quote using the mobile app’s Get a Quote feature. The Client can also use the vehicle information and pictures to process claims if the user chooses to make a claim.


This section contains all settings for the application. They include the following:

  • Transmit telemetry information only on Wifi on/off
  • Auto Start (when does the application start)
  • Visible in Leaderboard (displays the user profile in the Leaderboard)
  • CarBit (settings for the Bluetooth OBD-II dongle)
  • Trip Notification Pop-Up on/off (notifications for trip details)
  • New Contest Notifications on/off (the user will be notified when there is a new contest)
  • Hard Breaking Beep Alerts on/off (turns alerts on/off for when the user performs a hard break as determined by the Insurer in the Command Center)
  • Hard Acceleration Alerts (turns alerts on/off for when the user performs a hard acceleration as determined by the Insurer in the Command Center)
  • General Conditions (Terms of Use as determined by the Insurer in the Command Center)
  • Contest Rules (rules for contest eligibility as determined by the Insurer in the Command Center)
  • FAQ (Frequently Asked Questions the user can refer to; written by the Insurer in the Command Center)
  • Privacy Policy (the Insurer’s privacy policy for using the user’s data; written by the Insurer in the Command Center)
  • Report a Problem (the user can report a problem with the app and send the report to the Command Center for the Insurer’s review)


Users can view their policy information as provided by the Insurer. Users can email or print their policy information from the app. This section is available in UBI mode.


Users can view their latest invoices and the balances owed. Selecting an invoice will display detailed information related to the invoice as specified by the Insurer. Users can select to email or print their invoice. This section is available in UBI mode.


Users can view their latest payment information. Selecting a payment allows the user to view details related to their payment information. Users can select to email or print their payment informationThis section is available in UBI mode.

BaseDrive Insurance - ClaimsBaseDrive Insurance - Claims 2


Users can view the status and history of any pending or settled claims. Users can create a claim and proceed to choose the type of claim, upload pictures related to the claim, specify location details, their position on the road, and the form of the incident. This information is uploaded to the Command Center where the Insurer can process the claim. This section is available in UBI mode.


The user is able to logout of the application.

For a personalized demonstration of our mobile application, don’t hesitate to Register for webinar



The Home page provides an executive dashboard that enables the insurer to see key overall performance metrics of the system. The insurer selects the reports (widgets) to be displayed on the dashboard in the Settings tab and can therefore customize this page, such as Cumulative Downloads, Cumulative Accounts, Trips, Cumulative Policies, etc.



The Insurance Menu provides the insurer with a view to all information related to a policy holder in UBI mode. This data is gathered from the insurer’s PAS through a web service. Baseline can therefore provide all relevant key policy holder information directly in the Command Center.



This menu item serves as a gateway allowing the insurers to view all the information related to Telemetry for each vehicle. Insurers also have access to the inventory of Telematics devices.



Here is where the health insurance information will be found in the Pay-As-You-Live (PAYL) Program. The ability to vary health and life insurance premiums based on actual lifestyle behaviors enabling insurers to accurately predict and manage a large portion of health care costs.


This section provides the user with access to all of the data that contextualizes the user. This contains high quality geocoded mapping data used for scoring and rating as well as powerful utilities to manage and modify this large set of data. As well, all weather and traffic information is accessed and managed through this section. Real user behavior on its own provides invaluable data to the insurer and the same data becomes significantly more useful when contextualized.

Our robust context and scoring module provides the ability to manage and assess risk in a UBI context which is directly related to the type and precision of data obtained from a selected device. It can be used to calculate a customer’s premiums and reward them with badges to promote safe driving. More and more, the raw telematics data, including behaviors, is significantly enriched by contextual information. The list below highlights the type of contextual information that Baseline adds in addition to raw telematics data.

  • Road class
  • Speed limits
  • Corner angles
  • Ambient speed
  • Traffic incidents
  • Geo political boundaries
  • Local weather conditions
  • Time of day
  • Vehicle characteristics
  • Driver attention



This section brings all of the flexibility and power for scoring in one centralized section. The Insurer can build and structure behavioral groups in cohorts, adjust behavioral sensitivity with the use of debounce timers. attribute points and discounts to behavior, name the behavioral ranking for users and much more. The Insurer has compete flexibility to score driver behavior precisely using Baseline Scoring algorithm.

Telematics data and behaviors alongside contextual information are used to rate a driver and attribute a score. This score provides the basis for a UBI program in terms of billing as well as critical feedback to the driver allowing him or her to monitor their driving and, more importantly, learn from their behavior and significantly improve. The insurer can customize all aspects of the scoring system for a UBI program, including the following:

  • Behavior Cohorts: Group behavious and easily modify scoring in a structured environment.
  • Debounce Timers: Set timers for events so that individual actions can be grouped as one event rather than multiple incidents.
  • Behavior Qualifiers: Rank your users based on their qualified score and share the results with them and their community!
  • Night Time Limits: Set a time period where multipliers can be added to events. Speeding at night when it’s more dangerous? Multiply it by 1.5!
  • Behavior Points: For each trip, a driver starts with 100 points, which are deducted based on bad driving habits.
  • Behavior Overrides: Perhaps a customer calls in and feels his point deductions were unjustified. Override the system and choose which events to override!
  • Extreme Overspeed: Those who excessively abuse speed limits can be penalized. A surcharge can be applied and a notification immediately sent to the customer.
  • ExOs Review List: The Extreme Overspeed Review List. Customers who were surcharged and want clarification can be processed through an agent representative.
  • Discounts: Good drivers should be rewarded, and the insurer can determine which scores must be attained to receive whatever discount they deem appropriate.

Baseline’s scoring system is at the heart of the UBI program. With it, insurers can customize what best suits their needs for their clients and their business. As business grows, it’s possible to review metrics gathered and adjust scores to better reflect current client needs. The result is a consistent and adaptable source of revenue that rewards good driving habits while penalizing bad ones. As customers are notified of their current score, they receive a sense of transparency from their insurer that creates a strong bond of trust. And that means high customer loyalty and retention for years to come.


App Center

The App Center centralize all app management functions in one location. This provides unprecedented power, flexibility and manageability to the Insurer. Baseline is using the latest hybrid application technologies such that modification to the user facing interface of the application can be done through the Baseline Console by the Insurer, directly. The Insurer can modify, text, logos, key parameters, phone numbers. background screens instantly. This provides immeasurable flexibility to the Insurer and avoid the complexity of new build having to be developed for minor changes and the inherent delays and dissatisfaction associated to these.

App Center

Game Center

Game Center centralizes all key gaming functions for the Insurer. This section provides access to all users as well as the rules and type of achievements and prizes that they can earn, providing the insurer with an opportunity to increase the life and use of the application as it gather critical data on user. The insurer is then very easily able to migrate them to a full insurance product within the same application. All aspects related to consent and the types of devices used are centralized here.

Game Center

Coaching Center

The Coaching Center provides all information related to driven education and coaching. Schools and branches can register and track their students while students driving performance is gathered and shared with coaches and parents. Positive reinforcement in the form of mentions are provided to students to reinforce their driving during this critical and formative stage. Weekly score management is done in this section.

Coaching Center


All settings for the command centre are accessible and centralized here. Users and groups can be managed here as well as Vehicle information such as VIN databases and Vehicle description. As well, email templates used for communication with users are conveniently accessible in this section. Device information, time zones, units to be used as well as your company logo can be managed here.


The report page enables the insurer to see key overall performance metrics of the system. The Insurer can see reports on Badges, Trips, Accounts, Mileage, Scores, Policies and Devices and more.