Request a Demo

How Artificial Intelligence is Transforming Motor Insurance: Towards a More Sustainable and Data-Driven Model

From real-time risk assessment to connected mobility: how AI and telematics are reshaping the role of insurance

The motor insurance market is undergoing a structural transformation, driven by technological evolution and the increasing availability of data.

In this context, artificial intelligence and telematics are no longer optional competitive advantages, but core elements for rethinking the insurance model in a more efficient, sustainable and, above all, customer-centric way. Continuing to assess risk through static models is no longer sustainable, either economically or competitively.

The data-driven paradigm in risk assessment

Today, thanks to the analysis of real-time driving data, it is possible to adopt a data-driven approach to risk assessment, based on concrete and dynamic behaviors. This enables a shift from static logic to a continuous and more accurate understanding of risk, with a direct impact on the quality of insurance decision-making.

This transition allows insurance companies to improve pricing accuracy, reduce information asymmetries and develop increasingly personalized products.

Artificial intelligence acts as the key enabler of this transformation.

Through advanced machine learning models, it is possible to:

  • analyze large volumes of telematics data
  • identify complex risk patterns
  • predict the likelihood of claims with greater accuracy

This is not just about operational efficiency: AI enables a shift from a reactive to a predictive approach, with direct implications for prevention.

The integration of telematics and AI has given rise to behavioral insurance models, where driving behavior becomes a central factor in determining insurance premiums.

This approach introduces greater transparency and accountability:

  • users are incentivized to adopt safer driving behaviors
  • insurers can design fairer and more personalized offerings

The result is a more balanced system, where risk is distributed more consistently with real-world conditions.

From insurance product to mobility ecosystem

The future of motor insurance lies within a broader context: connected mobility, where the boundaries between insurance, technology and services are becoming increasingly blurred.

Insurance companies are progressively evolving from coverage providers to strategic partners, integrated within digital ecosystems that connect vehicles, mobility platforms and data-driven services. This evolution opens new business opportunities, while also requiring a profound rethinking of operating models, capabilities and the role of insurance across the mobility value chain.

Why data is the true strategic asset

In this new competitive landscape, the real differentiator is not technology itself, but the ability to turn data into value.

Companies that can:

  • integrate heterogeneous data sources
  • develop advanced predictive models
  • translate insights into concrete actions

will be the ones leading the evolution of the industry.

In this sense, advanced telematics and artificial intelligence are not just tools, but strategic infrastructures on which the future of insurance will be built.

Motor insurance is shifting from a model based on risk compensation to one focused on risk prevention. This transformation is redefining not only the role of insurance companies, but the entire mobility ecosystem. The real challenge today is no longer collecting data, but turning it into better, faster and truly sustainable decisions.

From OEM Data to Platform: the Future of Mobility is Integrated (and Invisible)

For years, fleet management has been built around a key capability: collecting data from vehicles. In many cases, this has been made possible through onboard devices — essential solutions that enabled early telematics models and turned traditional vehicles into connected assets.

Today, however, the landscape is evolving rapidly — and it’s not just a technological shift.

It’s not because that model is no longer valid, but because it is being enriched by new possibilities, reshaping the very concept of fleet management.

Vehicles are becoming native data sources

Next-generation vehicles are now born connected and capable of continuously generating data about their status and usage. Mileage, fuel consumption, vehicle health, electric system data, and warning signals: an increasing amount of vehicle data is now available directly at the source.

This does not replace existing technologies but expands the scope of connected mobility. In many cases, multiple data collection approaches coexist:

  • OEM data
  • aftermarket hardware solutions
  • hybrid integrations

The result is a more flexible and comprehensive ecosystem for fleet management.

In this evolving landscape, the real challenge is no longer just collecting data, but making it work together.

Access to OEM data represents a major step forward, enabling:

  • direct and scalable integration
  • multi-brand coverage
  • greater standardization

Real value, however, emerges when these data sources are integrated within fleet data management platforms. For fleet managers, this means operating through a single platform, regardless of where the data comes from.

From data to services: the role of mobility platforms

Whether it comes from installed devices or directly from the vehicle, data only becomes valuable when it is activated.

This is where the platform comes in.

Modern mobility platforms transform data into tangible services, ranging from predictive maintenance and damage management to fraud prevention. At the same time, they enable driving behavior analysis, fuel optimization, and effective electric mobility management.

The question is no longer “how do I collect data?” but how I use it to improve fleet management.

What we are witnessing is not the replacement of one technology with another, but the development of a broader smart mobility ecosystem.

An ecosystem where:

  • multiple data sources coexist
  • hardware continues to play a key role in many scenarios
  • OEM data expands possibilities
  • platforms connect everything

This approach allows companies to adapt to different needs: mixed fleets, non-connected vehicles, and different geographic and regulatory contexts. Flexibility becomes a competitive advantage for any fleet management strategy.

Towards a more integrated (and increasingly invisible) mobility

The future of mobility will not be driven by a single technology, but by the ability to make them work together. Hardware, OEM data, and platforms: different elements that, when combined, make mobility more efficient, more intelligent, and more seamless.

And above all, increasingly invisible. Because when technological complexity is managed at the system level, what remains for the user is simply value.


Road Safety: What Driving Data Really Reveals

CNR and OCTO present new report findings: 30% of nighttime accidents occur at high speed; in Northern and Central Italy, accidents at ≥40 km/h exceed 14%, with marginal gender differences

Rome, March 10, 2026 – Road accidents do not depend only on how much people drive, but above all on when and how they drive. This is one of the key findings of the new Road Safety Report developed by the National Research Council – Institute of Information Science and Technologies “Alessandro Faedo” (CNR-ISTI) in collaboration with OCTO. The report analyzes millions of real-world telematics driving data points to better understand the factors influencing risk on Italian roads.
Among the most significant findings is the higher incidence of high-speed accidents during nighttime hours: around 30% of the accidents analyzed at night occur at speeds equal to or above 40 km/h, a significantly higher share compared to daytime.
The report aims to provide a more in-depth understanding of road safety by overcoming the limits of traditional statistics based solely on recorded accidents and introducing an approach grounded in the analysis of real driving behavior observed through telematics. The study is based on an extremely large dataset, ensuring statistical robustness and reliability. It examines over 2.17 million crash events and impact-related dynamics, from which approximately 97,000 accidents with potential vehicle damage were selected for detailed analysis.
The analyzed sample also includes 238 million trips and routes, extracted from 1.93 billion journeys recorded from more than 2.3 million vehicles, enabling observation of road risk with a particularly high level of granularity.
This availability of data makes it possible to analyze road safety not as a simple sum of recorded events, but as a dynamic phenomenon influenced by temporal, geographical, and behavioral factors.

Regional differences and driving behavior
The analysis also highlights territorial differences in driving behavior. In Northern and Central regions, high-speed accidents (≥40 km/h) exceed 14%, while lower average values are recorded in Southern Italy.
Another relevant finding concerns demographic factors: gender differences in driving behavior are marginal, with a maximum observed gap of less than 2.1 percentage points.

Data to drive safety policies
The report has a dual purpose: on one hand, to strengthen the scientific analysis of the phenomenon; on the other, to provide public decision-makers, local administrations, infrastructure managers, and industry operators with useful data-driven tools to guide more effective safety policies.
In this sense, the work represents an example of collaboration between scientific research and technological innovation, where large-scale data collection and analysis combine with methodological rigor to transform vast amounts of information into knowledge that benefits society. The ultimate goal is to contribute to the development of increasingly data-driven prevention policies capable of reducing accident risk and improving the safety of mobility systems.
 

OCTO
For over 20 years, we have been developing integrated solutions that allow us to stand alongside our clients, supporting them in seizing the opportunities offered by digital transformation.
Thanks to an innovative approach based on Artificial Intelligence, we have developed advanced algorithms for crash detection, driving behavior analysis, claims management, and consumption optimization. These solutions enable us to meet the needs of key markets such as insurance and mobility, with a strong focus on modularity and customization.
Our scalable data analytics platform enables insurance groups, car manufacturers, rental companies, and public administrations to increase productivity and safety levels, improving vehicle usage and user experience.  A clear ESG strategy also guides our market approach, focusing on the development of solutions increasingly oriented toward energy transition and data-driven smart urban planning.
OCTO has profiled 20 million drivers and holds the world’s largest telematics database, based on 610 billion kilometers of driving data and over 13 million validated claims.  octotelematics.com
 
OCTO Media Contact
Adriana Zambon
press@octotelematics.com
Phone +39 339 3995640







 







 

 



 


 







“






 


 




 





 
 
 



 
 

 
 
 
 
 
 







 
 
 

 

 

 

 

OCTO and Volkswagen Group Info Services Ag form partnership for fleet data integration

OCTO AND VOLKSWAGEN GROUP INFO SERVICES AG FORM PARTNERSHIP FOR FLEET DATA INTEGRATION
 
The partnership enables secure integration of vehicle data from six Volkswagen Group brands into OCTO’s platform, strengthening fleet data services across the European Union and supporting utilization, maintenance and geo-location use cases without additional hardware.
 
Rome, March 24 2026. OCTO, a leading company in the field of telematics, data analytics and AI-driven solutions for insurance and fleet management, announces a strategic partnership with Volkswagen Group Info Services AG. The goal of this cooperation is to expand data solutions for fleet operators by directly integrating vehicle data from the brands Volkswagen Passenger Cars, Volkswagen Commercial Vehicles, Škoda, Seat, Cupra and Audi.
Through this partnership, OCTO gains direct access to vehicle data from fleet vehicles of these six Volkswagen brands. This enables innovative mobility services for fleet managers, including maintenance management, theft protection, damage management, fraud detection, driving behavior analysis, activity reports, e-mobility management, corporate car sharing, and many other functions. These services utilize data such as mileage, fuel consumption, EV status, warning messages, and other parameters, without requiring additional hardware installations.
 
Innovation Through Data Integration
The partnership between OCTO and Volkswagen Group Info Services AG simplifies data integration and ensures that customers can efficiently and securely use all relevant fleet data. All processes comply fully with the General Data Protection Regulation (GDPR) to guarantee the highest standards of data protection and security.
 
Statements on the Partnership
“Our collaboration with Volkswagen Group Info Services AG is an important step in optimizing data-driven mobility solutions for our customers. By gaining direct access to OEM data, we can offer our customers even better fleet management and increased efficiency – without additional hardware installations.” – Enrico Leopardi Chief Commercial Officer, OCTO
Partnering with OCTO allows us to bring powerful, data-driven mobility solutions to fleet operators throughout Europe. By connecting Volkswagen Group vehicle data with OCTO’s solutions, we enable fleets to operate more efficiently, safely, and sustainably.” – Lasse Schmidt van Hülst, Volkswagen Group Info Services AG.
 
About OCTO
For over 20 years, we have been developing integrated solutions that enable us to support our clients in seizing the opportunities offered by smart mobility and digital transformation. Thanks to an innovative approach based on Artificial Intelligence, we have developed advanced algorithms for accident detection, driving behavior analysis, claims management, and consumption optimization. These solutions allow us to meet the needs of key markets, such as insurance and mobility, with a strong focus on modularity and customization. Our scalable and modular data analytics platform delivers solutions for the Insurtech and mobility markets, helping partner companies transform the way they manage and grow their business.
A robust and purpose-driven ESG strategy ultimately guides our market proposition, focusing on the development of solutions that support the energy transition and data-driven urban planning.
OCTO has profiled 20 million drivers and holds the world’s largest telematics database, based on 610 billion kilometers of driving and over 13 million validated claims. octotelematics.com
 
About Volkswagen Group Info Services AG:
Volkswagen Group Info Services AG serves as the central interface for vehicle data within the Volkswagen Group. Founded in 2019 as a subsidiary of CARIAD SE and active in its current form since 2021, it acts as the primary contact and contracting partner for cross-brand data products of the Volkswagen Group. Additionally, it serves as an initiator and partner for software providers developing their own data-based business models and process improvements related to the Group’s vehicles. On the “Data Hub” drivesomethinggreater.com, static and dynamic vehicle data from the brands Volkswagen Passenger Cars, Volkswagen Commercial Vehicles, Seat, Cupra, Skoda, and Audi are consolidated for scalable use and provided in a standardized format.
 
Press Contact:
Eva Marhenke
elbstory Communication GmbH
Am Kaiserkai 69
20457 Hamburg
Mobile: 0151/17634057
 
OCTO Media Contact
Adriana Zambon
Phone +39 339.3995640
press@octotelematics.com
 


 




 


 



 


 







“






 


 




 





 
 
 



 
 

 
 
 
 
 
 







 
 
 

 

 

 

 

Become
a Contributor!
We’re always looking for interesting ideas and content to share within our community.
Get in touch and send your proposal to: press@octotelematics.com