Business Challenge
The motorcycle segment represents one of the most demanding — and still underexplored — frontiers of insurance telematics. Sara Assicurazioni identified a concrete opportunity for differentiation: addressing the growing need for safety and assistance among a category of road users structurally more exposed to risk, while bringing to the two-wheel world the telematics model already well established in the automotive sector.
The objective was twofold: to strengthen competitiveness in a segment still lagging in digital maturity, and to make a qualitative leap from traditional insurance product to a true connected mobility ecosystem — capable of delivering value beyond coverage, across the entire customer lifecycle.
The Solution
In partnership with OCTO, Sara Assicurazioni developed Ruota Libera Moto, a telematics policy designed exclusively for the two-wheel world. The solution integrates advanced telematics into a unified experience combining prevention, assistance, and connected services.
Key features include:
• Automatic accident detection with immediate emergency activation and 24/7 operational centre support
• Vehicle localisation and recovery in the event of theft
• Incident data collection and reconstruction, with position certification in the event of disputes
• Integrated weather alerts
• Digital services for policy management, including a parked vehicle locator
Drawing on OCTO’s deep expertise in telematics, data analytics, and risk modelling, this collaboration has enabled Sara Assicurazioni to bring a next-generation proposition to market: no longer a simple policy, but an active, intelligent protection system designed to meet the real needs of motorcyclists at every stage of their journey.
Benefits
Innovation & Market Positioning
A distinctive positioning in the motorcycle segment, difficult to replicate without telematics infrastructure. Reinforcement of Sara’s role as a key player in the digital mobility ecosystem. Evolution towards a data-driven insurance model, open to more sophisticated pricing and targeted discount strategies.
Customer Value & Safety
Stronger customer loyalty through value-added services that accompany the client beyond the claims moment. A concrete response to motorcyclists’ safety needs, with prompt intervention in the event of an accident or theft. An integrated user experience spanning protection, assistance, and digital policy management.
Operational Efficiency & Growth
Reduced risk exposure through active prevention and rapid response. New upselling and cross-selling opportunities within a loyal customer base. Enhanced commercial competitiveness, with a proposition that is difficult for traditional competitors to replicate.
“With the launch of Ruota Libera Moto, we are taking a key step in expanding our range of telematics solutions, extending to two-wheelers a protection model that has already proven successful in the automotive sector. Our goal is to build a true mobility ecosystem that, through the integration of advanced technologies, enables us to offer motorcyclists not just an insurance policy, but an active protection system designed to ensure safety, convenience, and personalized digital services”.
Marco Brachini
Marketing, Brand & Customer Experience Director, Sara Assicurazioni
