White Paper

Comparing Mobile Apps, Hybrid Bluetooth and OBD-II

Learn the pros and cons of telematics data collection technology for insurance telematics/UBI program planning.

Executive Summary

Usage-based Insurance (UBI), an application of insurance telematics, has experienced substantial growth over the last few years, and the technology choices that gain favor in the near term will influence the direction of the market for years to come. One of the key areas of focus is data collection. Techniques for collecting, consolidating, and analyzing the data required to assess driver behavior continue to be refined as the technologies for accomplishing this undergo an inevitable evolution. At the moment, a fundamental question is being debated throughout the industry: what is the right solution for my program? Should connectivity rely on data captured with a standalone, cellular-based OBD device? Or rely on technology brought into the vehicle (smartphones)? Or use a hybrid solution consisting of a multiple technologies connected using Bluetooth.

This white paper compares the relative strengths and trade-offs of three leading data collection solutions used in telematics programs: mobile, OBD-II, and hybrid Bluetooth solutions. Fundamentally, a knowledgeable telematics service provider (TSP) is imperative in explaining the various options and helping you select the technology to meet insurance program goals and requirements. The perspective provided in this paper draws on field research performed by IMS through pilot programs and actual deployments with customers, as well as surveys and research conducted by organizations in the telematics industry.

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