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Modular catalogue of digital interfaces that allows companies to design flexible customised programs, accelerate time to market and provide a wide range of end-user services that improve their experience.

DigitalDriver™ helps to increase the customer engagement throughout the policy lifecycle

DigitalDriver™ is a white label solution that summarizes and records many values suitable for outlining a driver profile and its features and combines them with other relevant indicators such as distance covered, time of day, and road type.

It starts from the collection of telematics data, proceeding through the detailed assimilation and tuning, and then relating the data to other indicators.

OCTO DigitalDriver Solutions Overview

DriveAbility® Advanced Score

The flagship of OCTO risk management solutions and the result of constant evolution, DriveAbility® Advanced Score is a market-leading model born from the work of a pool of insurers who have shared their insurance claims field experience. The adoption of such solution is particularly advantageous for increasing company profitability, as it offers more opportunities for customer portfolio segmentation compared to traditional coefficients.

This score is assigned on the basis of a data collection with a high sampling rate (gps data every second).
It allows to predict the likelihood that a vehicle or a driver will be involved in an accident with a very high accuracy index (LIFT).
The company is provided with both an overall score and related details, in order to facilitate its analysis and integration with other external data. The algorithms on which it is based are flexible and adaptable to a large variety of devices.

Used by over 25 insurers on 5 continents, the adoption of The The DriveAbility® Advanced Score is particularly advantageous for increasing company profitability as it offers more opportunities for customer segmentation and accurate pricing compared to traditional factors.

DriveAbility® Standard Score

Having accurate risk indicators to predict the propensity to incident of policyholders is an increasingly felt need of insurance companies because it would help them to manage the pricing processes and segmentation of the customer portfolio in a more adequate way as well as support UBI programs and monitor their evolution. DriveAbility® Standard Score is a model that allows the construction of tailor-made programs able to meet Companies’ needs.

The DriveAbility® Standard Score is a score that is based on predictive modeling techniques that use incident information from the OCTO database in order to measure the risk exposure of each policyholder.
The score assigned, deriving from the analysis of information on the context of habits and driving behavior, is periodically updated through the collection of new telematic data. It is displayed in the form of
• Overall score
It is related to the average driving style with reference to the overall analysis period
• Travel Score It is related to a specific and single journey.
DriveAbility® Standard Score can be used to support pricing and premium calculation processes defined by companies.

DriveAbility® Engagement Score

Basic scoring model that can be used by companies to involve policyholders through differentiation of their product, promote more suitable driving behaviors and select their portfolio in a marketing profile logic.

The application of this solution allows you to assign a score to the final customer through a judgment model based on an aggregated data linear combination.
The score awarded is updated as new driving behavior data is collected by on-board devices or smartphone apps. The aggregated data in statistics can be consulted via web by both the insurer and the final customer.


Engagement passes through a Digital Journey

This solution is designed to make the driver aware of the risky driving behaviours implemented during individual journeys in order to correct those behaviours and mitigate any negative consequences that could derive from them. The monitoring of some specific driving parameters has the potential to improve driving behaviour through continuous interaction.

The risky behaviours are in fact highlighted on the map of the trip, thus showing the driver the precise points where the distraction occurred.

Through Driver Coaching, feedback is then provided on the driving habits needing improvement, and also grouped into two categories:


For each trip, the three most significant events are highlighted so that the driver can learn and improve. The risk events included into this category are speed, acceleration, braking and steering.


The cumulative usage time of the mobile phone is recorded and displayed for each trip.


Loyalty & Rewards

Careful attention to safety, promoting and rewarding good driving, moving the end-user towards less risky behaviours, increasing brand loyalty, and completing the digital path are just some of the objectives that can be achieved from implementation of this solution: a framework that allows end-users to be involved through the promotion of good driving practices by leveraging game mechanisms and rewards.

The driver earns points (Experience Points) based on driving behaviour. Points, once rewarded, cannot be withdrawn. Awards The points earned can be converted into prizes following predefined rules. The redemption takes place through market-leading platforms with which agreements are in place (e.g. Amazon).

This capability enables the management of various initiatives including:


From their definition to the visualization, both past and current


To check the position with respect to other users in the game


To purchase items using reward points



B-call (Assistance on Demand)

Being alongside the end-user in a “critical” moment, such as a breakdown or an accident, is an effective way for the company to improve the service offered and strengthen its relationship with the driver. With Road Assistance on Demand, the end-user can request roadside assistance by pressing a button in the app.

The request is sent to the OCTO IoT platform and to an Assistance Control Room, thus starting a process that guarantees the necessary assistance to the driver 7 days a week, 24 hours a day, with highly qualified operators.

Proactive Crash Assistance

The automatic crash detection through the OCTO Smart Tag ensures that the insured, using the app, is immediately put in contact with the Assistance Operating Room. The near-real-time crash data such as geolocation of the event, the extent of the impact, the direction of the vehicle, is provided to the Assistance Operating Room to proactively and efficiently assist the end-user.

Contact Center

To facilitate companies in the adoption of telematics and in the performance of those services that are not strictly core, OCTO provides a First Level Customer Assistance service through a qualified contact center with decades of experience. Leveraging a world-leading CRM platform, it is capable of handling thousands of inbound calls per day. This service represents an important point of contact for providing the insured, on behalf of the insurer, with professional information and feedback throughout the lifecycle of the telematics policy.

Advantages for the company

Ability to focus on higher profitability and lower cost activities

Benefits for the policyholder

Quality of service, greater satisfaction and loyalty

Crash & Claim Management

An extended portfolio of solutions based on the capability to detect and validate a crash event generated by a telematics device in a car accident.

The Insurer can view the details of the crash and download a crash dossier in the dedicated web portal provided by Octo to improve their claim process management, reduce frauds and time to settlement.

The solution provides:
– Crash Reconstraction
– Early FNOL (First Notification Of Loss)
– Crash Reverse

Crash Reverse

Easy to adopt a solution that is able to improve those insurance processes considered critical, such as Claims Management, through complete telematic management of claims via an app. Starting from a list of open claims reports provided by the company, OCTO supports the management of cases by enriching the list with historical and contextual information that allows a more objective assessment of the request.

This solution makes it possible to identify any inaccurate requests and detect fraud attempts, for example when the insured has intentionally provided incorrect information. The result is greater internal efficiency and improved company KPIs.

Digital Driver™ MultiConnect

Digital Driver™ MultiConnect offers insurance companies a comprehensive solution to price family and small- medium business policy customers for their actual risk while encouraging a safer driving behaviours through a highly engaging App interface.
Digital Driver™ MultiConnect handles multi-vehicle and multi-user policies in the same App in a seamless way, distinguishing multiple drivers who share the same car and also individual drivers who use multiple cars.

Digital Driver™ MultiConnect allows insurers to easily select the low-risk drivers and price them based on actual risk, understand the policyholder better for cross selling other insurance products, identifies fraud/miss information and improve customer loyalty.

The policyholder can monitor the driving style of his family members or business team.

MultiConnect features include:
– Driving Behaviour & Trip details
– Distracted Driving
– DriveAbility® Advanced Score
– Crash reconstruction

DigitalDriver™ Essentials

This package offers insurance companies a comprehensive solution to encourage safer driving behaviour and risk management through a simple and engaging interactive App.

The App includes the following services:
Driving style and trip details
DriveAbility® Advanced Score
Distracted driving
B-call (Assistance on Demand)
Crash&Claims Management services
(Crash Reconstruction, Early FNOL WEB, Crash Reverse Assessment, Crash report and Crash Summary List)

Thanks to the OCTO IoT4Insurance app and Salesforce platform, insurers now have a unique and clear 360° view of the policyholder. The OCTO and Salesforce common goal is to increase customer-perceived value and to support lead generation and fast-growing new opportunities.


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