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Working with top insurance and automotive enterprises:
Grape Up provides software development and consulting services for insurers, mobility providers, and major automotive brands. Ensuring technology expertise at the intersection of insurance and automotive industries, Grape Up empowers P&C companies to build innovative data-driven solutions meeting the needs of the auto and shared mobility lines.
Through enabling data-driven innovation in the insurance industry, we help the leading P&C companies remain competitive in the changing market landscape and meet evolving customer expectations. We form long-term relationships built on continuous feedback, ownership, and the desire to innovate. We use the Agile Software Production Lifecycle, cloud-native technologies, and advanced data analytics to create unique software solutions.
Building scalable systems allowing for collecting, storing, and processing real-time data from connected cars, micromobility devices, and mobile apps.
Helping insurers build new capabilities and drive innovation throughout the mobility insurance value chain with artificial intelligence and machine learning.
Building smart automation solutions driven by data and context to enhance and optimize underwriting and claims processes.
The leading rental enterprise teamed up with Grape Up to provide counter-less rental services and a touchless experience for their customers. By leveraging a powerful touchless platform and telematics system used by the rental enterprise, the company was able to build a more customer-friendly solution and tackle more business challenges, such as efficient stolen car […]
The leading rental enterprise teamed up with Grape Up to provide counter-less rental services and a touchless experience for their customers...
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Telematics platforms engineering
Cloud IoT connectors
Telemetry data collection
3rd party integration
Mobile telematics & apps
Driving event analytics
Behavioral data analytics
Predictive risk analytics
Automated crash analytics
Data-driven process automation
Automated vehicle inspection
Touchless rental vehicle reimbursement
Automated shared mobility claims processing
Behavior-based (pay-how-you-drive) and usage-based insurance - UBI - (pay-as-you-drive) are the future of car insurance programs. Together with value-added services like automated crash detection or roadside assistance, they will determine your competitiveness and market share.
On the way to successfully launching auto insurance telematics programs and drive safely services, you need to have the right technology in place. Handling large volumes of real-time data from every telematics device, like connected cars, mobile apps, and black boxes to extract crucial information and offer insights to customers, require a robust and scalable telematics platform.
At Grape Up, we ensure the expertise and experience necessary to build and productionize telematics solutions. Collaborating with our experts, car insurance enterprises successfully deliver new products and services to the market.
To extract the full value from telemetry data and offer valuable insights to your customers, it is crucial to ensure the continuity of data. Every telematics device producing the data (regarding safe driving habits, miles driven, harsh braking, nighttime driving, excessive speeding, distracted driving, rapid acceleration, etc.) often works in conditions of limited or poor connectivity as the broadband coverage varies depending on location. So as your customers move about, they lose connectivity intermittently. To minimize the negative impact this can have on data quality, you need to have a reliable data transmission layer between the edge and the cloud.
Telematics-based solutions have come a long way since the early days of rudimentary black boxes. Nowadays, your customers are surrounded by devices that produce data about their driving behavior and driving habits. Tapping into these data sources enriches your comprehension of customers and allows you to apply more advanced analytics and automation solutions. Before you use driving habits data to offer car insurance discounts for customers driving safely, the data must be first ingested, cached, and transmitted to the cloud for further processing. Grape Up can help you build the underlying solutions to unlock the new perspective on your customers that can be used to provide a tailored insurance policy.
Telematics platforms are at the core of building data-driven products and services in the auto insurance market. But these platforms don’t operate in a void- to be useful, they need to communicate with your other internal systems as well as external data sources. This enables your teams across different departments to leverage them to their specific needs- i.e., by combining telematics data and 3rd party data about vehicle equipment and safe driving systems, the underwriting team can assess risk more accurately. We can assist you with seamless integrations within your ecosystem building foundations for your telematics insurance programs.
Thanks to the advancements in mobile technology and the global availability of fast cellular networks, currently smartphones have all the necessary capabilities to provide accurate telematics data. By launching a smart telematics app, you can simplify the adoption process of the telematics-based products and make the UBI offering readily available to a wider customer group. Such solutions enrich your car insurance offering, providing clients with pay-how-you-drive premium discounts which allow drivers with a good driving history to save money.
Through analysis of the collected telematics data, you will be able to recognize the driving patterns of your customers, and based on these, recommend improvements to their driving style. Insensible drivers can be encouraged to start driving more eco-friendly, which will have a positive impact on the fuel economy and the environment.
The true value of telematics-based products for insurers comes from the deep understanding of their customer's behaviors. By applying advanced analytics to vehicle and customer data, you can determine risky driving behavior and discover the actual driving habits of a vehicle driver to identify unsafe practices and enable driver scoring.
Gain the ability to assess the insurance risk more accurately and calculate personalized premiums based on the driving behavior. By utilizing real-time data, you will be able to enable dynamic pricing and lower the cost associated with inaccurately priced risk.
In case of a reported accident or collision, you will be able to leverage insights extracted from telemetry data to improve and accelerate the claims resolution process. Reconstructing the event timeline allows you to automatically flag potentially fraudulent claim reports and to minimize the risk of incurring the unjustified cost.
Automating processes is equally vital for customer satisfaction and your teams’ efficiency. Many of the simple, manual tasks that take time and are tedious can be improved by applying smart solutions. Your underwriting and claims teams handle large volumes of customer vehicle photos. Grape Up can help you leverage computer vision to extract vehicle details from pictures to help underwriters validate car insurance applications faster and enable claim processors to verify reported claims at a rapid pace.
Claims can make or break an insurer’s reputation. This is the stage at which customers’ experience can determine whether they will remain long-term clients or look for options when the policy ends. Coping with the stress of being in an accident or having a breakdown is difficult enough without needing to arrange for a replacement vehicle. You can streamline that process and provide your customers with a touchless rental experience. Grape Up will support you in integrating with rental car providers and in automating the process so that your clients can find and book the nearest available vehicle and start using it immediately.
Assessing the general condition of a vehicle when a customer applies for the policy allows for ensuring that later they do not file a claim for previous damages. Similarly, while submitting a claim, it is necessary to check the vehicle for new damage before proceeding with general inspection at the repair shop. By applying computer vision to car photos, the damage detection process can be simplified and accelerated. The damage will be automatically flagged, and your underwriting and claims teams will be able to operate more efficiently.
Managing shared mobility claims can be really challenging. Shared mobility clients expect it to be straightforward, convenient, and fast, so when there is an accident, they hold similar expectations regarding the claim resolution process. Processing these claims is a complex task as there are multiple parties involved protected by different policies. You can improve both adjuster and client experience by leveraging smart automation and building systems that will allow you to process the claims faster and easier.
Talk with our insurance consultants
Telematics / App
why Grape Up
Thanks to advancements in connected car technologies and the accessibility of personal mobile devices, insurers can roll out telem
Insurance has always been an industry that relied heavily on data. But these days, it is even more so than in the past. The consta