Most insurance apps are opened once and forgotten. The Generali Mobility App is different: a gamified mobility experience that keeps users coming back – rewarding safer driving and greener travel choices. Built on Dolphin’s MOVE SDK, Rewards Engine and Challenge Engine.
Client
Generali Austria
Focus
Safety & Sustainability
Availability
Open to everyone
Launch
May 2022
Technology
- MOVE SDK
- Rewards Engine
- Challenge Engine
The Challenge
Generali wanted a scalable way to reduce driving risk and strengthen sustainability positioning – while creating ongoing user engagement beyond traditional insurance touchpoints.
- Reduce accidents linked to distraction and high speed
- Motivate safer driving through feedback and incentives
- Encourage low-emission travel choices
- Build trust: mobility insights without impacting premiums
- Deliver within strict brand and design guidelines
The Solution
Mobility Intelligence
(MOVE SDK)
- Automatic trip detection via smartphone sensors
- Mode of transport recognition (car, public transport, bike, passenger)
- Driving behavior scoring with clear weighting (speed, distraction, driving style)
- CO₂ estimation for car trips based on vehicle emissions and driving style
Gamification
(Rewards + Challenge Engine)
- Weekly score is converted directly into points
- Themed challenges (e.g., distraction-free driving, car-free day) for more points
- Points redeemable via an in-app rewards store
- Referral incentives to support organic growth
- Highly personalized 1:1 messaging via push notifications and in-app messages – triggered by individual driving behavior, challenge progress, and scoring milestones to keep users engaged at exactly the right moment
Trust & Transparency
- Mobility data is used for analysis and coaching—not for premium or claims decisions
- Clear, user-visible rules for scoring and point conversion
- Free and open to non-customers to maximize reach
How It Works
Track
Trips are detected automatically and classified by transport mode.
Score
Each car trip is scored; a weekly score is converted into points.
Engage
Challenges and 1:1 messaging drive real behavior change.
Reward
Users redeem points in the Store and stay active over time.
Results & Impact
- Tens of thousands of registered users – driven by open availability beyond Generali’s existing customer base
- 4.5-star average rating across app stores – reflecting strong user satisfaction with both experience and transparency
- Increased awareness of distraction and speeding as key risk factors
- Behavior change supported through challenges and weekly incentives
- CO₂ transparency and eco-mobility incentives strengthen sustainability messaging
- Trust-first model supports adoption beyond a tariff program
Strategic Takeaways
Telematics doesn’t have to mean premium adjustments and claims data. The Generali Mobility App proves that insurers can build something users actually want to open – the downloads and ratings tell that story better than any pitch deck.
The key is treating engagement as a product in itself. Gamification turns abstract safety goals into concrete weekly actions, and highly personalized 1:1 messaging – triggered by individual behavior and milestones – keeps users coming back long after the novelty wears off. Sustainability messaging works the same way: transparent feedback and real incentives make it tangible rather than decorative.
For insurers looking to move beyond transactional touchpoints, this is the blueprint: open the app to everyone, remove premium pressure, and build something worth using. The trust follows.
