Most insurance apps are opened once and forgotten. Drivello is different: a driving intelligence app by UNION Biztosító that rewards safer drivers with lower insurance premiums – and gives every user one year of free roadside assistance from day one. Built on Dolphin’s MOVE SDK and MOVE Score.
Client
UNION Biztosító (VIG)
Focus
Road Safety & Driving
Availability
Open to everyone
Launch
November 2025
Technology
- MOVE SDK
- MOVE Score
- Rewards Engine
- Challenge Engine
The Challenge
UNION Biztosító wanted a scalable way to reward safer driving and create ongoing user engagement beyond traditional insurance touchpoints – delivering real, tangible value every day, not just at renewal.
- Give safer drivers a direct, measurable financial reward through lower mandatory liability insurance (MTPL) premiums
- Deliver immediate value from day one – independent of insurance status or existing driving history
- Create a coaching tool that helps users understand and improve across speed, braking, acceleration, cornering, distraction and road risk
- Grow beyond the existing customer base through open availability and a referral programme
- Activate users consistently through challenges, gamification and a rewards shop
The Solution
Driving Intelligence
(MOVE SDK)
- Automatic trip detection via smartphone sensors – no OBD device required
- Driving behaviour scoring across speed, acceleration, braking, cornering, focus (phone use) and road risk
- Per-trip breakdown with detailed category scores and route-level feedback
- Passenger mode: trips can be re-labelled within 24 hours to protect scoring accuracy
Insurance Discount & Engagement
(MOVE Score, Rewards + Challenges)
- Users who take out a new MTPL policy with UNION using the Drivello discount receive an immediate premium reduction – even before a score has been established
- Once the MOVE Score exceeds 800, users become eligible for an even greater discount at their next renewal
- Unlike traditional telematics that only assess how someone drives, MOVE Score captures actual risk exposure – how much someone drives, when, and under what conditions. Because exposure to risk is a stronger predictor of claims frequency than driving style alone, it gives UNION a significantly more accurate basis for the discount than a purely behavioural score.
- One year of free roadside assistance (Drivello Angel) for every user from the day after registration – activated directly in-app, up to 3 call-outs per year
- Drivellíra in-app currency earned through challenges and referrals, redeemable in the Drivello shop for prizes and lottery tickets
- Highly personalized 1:1 messaging via push notifications and in-app messages – triggered by individual driving behaviour, challenge progress, and scoring milestones to keep users engaged at exactly the right moment
Trust & Transparency
- Driving data is used for coaching and discount calculation – not for premium increases or claims decisions
- Routes and location history are not visible to UNION Biztosító; only aggregate scoring data is used
- Free and open to all Hungarian car owners and registered operators – no UNION policy required
- Clear, user-visible rules for scoring and discount eligibility
How It Works
Download
Users sign up, add their vehicle, and grant permissions. Free roadside assistance contract activates the next day.
Score
The MOVE Score becomes visible – reflecting real-world risk exposure alongside per-trip driving behaviour scores.
Engage
Challenges, Drivellíra rewards, and 1:1 messaging keep users coming back week after week.
Save
A MOVE Score above 800 unlocks a higher MTPL discount at renewal – safe driving turns into real savings.
Results & Impact
- Open to all Hungarian car owners – not limited to UNION policyholders, maximising reach from launch
- Immediate value from the start – the Drivello Angel (assistance service) gives every user a concrete reason to install and keep the app active
- Direct discount pathway motivates sustained driving improvement across all six scoring dimensions
- Gamification and referral mechanics support organic user growth beyond the existing customer base
- Trust-first data model – coaching without premium penalties – accelerates adoption among privacy-conscious users
Strategic Takeaways
Drivello proves that the most powerful thing a telematics app can do is earn its place on the home screen before the user even thinks about their insurance. By leading with free roadside assistance and an immediate discount pathway, UNION Biztosító removes every barrier to adoption – and builds the relationship before the sales conversation begins.
MOVE Score does the heavy lifting: a transparent, behaviour-based metric that justifies the discount, motivates improvement, and gives users a clear goal to work towards. Crucially, the discount is grounded in MOVE Score – a proven predictor of claims frequency that captures actual risk exposure, not just driving style – which makes the pricing logic both fairer for users and more defensible for the insurer. Layered on top, the Drivellíra rewards system and weekly challenges turn passive data collection into an active engagement loop.
For insurers looking to move beyond transactional touchpoints, this is the blueprint: open the app to everyone, lead with immediate value, and let MOVE SDK and MOVE Score do the rest. The trust – and the conversions – follow.
