A single, privacy-safe score that tells insurers what static data never could: how much a car is actually exposed to risk – when it’s driven, where, and for how long. MOVE Score combines real-world exposure data with driving behavior and integrates seamlessly into existing underwriting models.
Validated on
62,000+ drivers, 310,000+ data points
Platforms
iOS & Android
Compliance
ISO 27001, GDPR
The Missing Piece Is Not a Behavior Score. It’s a True Risk Score.
Traditional risk models use static data – who the driver is and what car they drive. Telematics added driving behavior. But the most significant predictor of accident risk is neither of those: it’s exposure. When a car is driven, where, and for how long determines risk more than demographic profiles or smooth braking ever could. MOVE Score is the first solution to capture this at scale.
Driver & Vehicle Info
Age, claims history, make, model – valuable context, but static. Two identical profiles can hide dramatically different risk levels.
MOVE Score
Actual risk exposure – when, where, and how long the car is driven – combined with driving behavior. Condensed into one privacy-safe score. The missing signal.
Sharper Underwriting
Find the good risks hiding in high-risk segments. Spot the hidden risks in apparently low-risk profiles. Price with confidence.
What MOVE Score Measures
MOVE Score is built on two complementary components that together deliver a complete picture of real-world risk.
Exposure to Risk (ETR™)
Mileage, trip duration, road type, and daily driving patterns – quantified into an exposure score. The research behind it is striking: 25% of accidents happen in the first three minutes of a trip. Trips over 40 minutes carry 2.5× the risk of shorter ones. Rural roads are 2.14× more dangerous than highways. Static models miss all of this.
Driving Behavior (MOVE IQ)
Phone use while driving, speed limit adherence, and smoothness of acceleration and braking – evaluated per trip and aggregated over time. MOVE IQ also delivers immediate per-trip feedback to drivers from day one, long before the full MOVE Score stabilizes after approximately two weeks.
How It Works
No hardware. No OBD dongles. No lengthy setup. The driver uses a smartphone app – either the standalone MOVE Score App or a white-label app built on MOVE SDK. The score is computed and transmitted privately.
Drive
Trips are detected automatically. Road type, duration, time of day, and mileage are captured alongside driving behavior – building a complete picture of actual risk exposure with every journey.
Score
After approximately two weeks, a stable MOVE Score is established – combining ETR™ and MOVE IQ into a single validated risk indicator. MOVE IQ provides immediate per-trip feedback from the very first drive.
Share
The driver chooses to share their score with their insurer. Only a digital key and the score are transmitted – no location data, no raw behavioral data. The insurer retrieves it via API or web service.
Built for Three Audiences
For Insurers
Sharper risk segmentation
Find the good risks hiding in traditionally high-risk segments, and identify hidden risks within apparently low-risk profiles. MOVE Score adds a layer of granularity that static models cannot provide.
Actuarially validated
MOVE Score doesn’t replace existing underwriting models – it complements them. It functions like any standard scoring factor, delivering behaviorally and exposure-based signal that is proven against real claims data across MTPL and CASCO lines.
Reduce loss ratios
Offer competitive premiums to lower-risk drivers. Proactively manage higher-risk profiles. With European motor insurance combined ratios consistently near or above break-even, the precision MOVE Score adds is becoming a necessity, not a differentiator.
For Drivers
Privacy guaranteed
Only the score is ever shared with the insurer – never location details, trip data, or behavioral specifics. Drivers stay in full control of what they share and when.
Fairer premiums
Safe drivers with low exposure can demonstrate their actual risk profile and qualify for lower premiums – rather than being priced on demographic assumptions alone.
Personalized coaching
MOVE IQ delivers immediate per-trip feedback on phone use, speed adherence, and driving smoothness – helping drivers understand and improve their behavior from the very first trip.
For IT Teams
No complex integration
Access MOVE Scores via a simple API or web service call. No need to build or maintain a smartphone app – the MOVE Score App is available directly from the major app stores.
Actuarial-ready data
MOVE Score is delivered as a standard numerical factor. It plugs into existing actuarial processes without custom workflows or data transformation.
Flexible deployment
Start with the standalone MOVE Score App, embed scoring into a white-label app via MOVE SDK, or build a fully custom product. The score and API remain consistent across all paths.
Privacy by Design
Privacy concern is the single biggest barrier to telematics adoption. MOVE Score was architected to remove it entirely – and that changes everything for user uptake.
What the insurer never sees
No location data. No trip details. No timestamps. No routes. No raw behavioral logs. None of it leaves the device in identifiable form.
What the insurer receives
A digital key and a score. The insurer can verify the score is genuine without ever accessing the underlying data that produced it.
Who controls the sharing
The driver. They decide whether to share their score and with which insurer. No passive data harvesting, no automatic transmission.
The Research Behind the Score
White Paper: Redefining Risk Assessment in Motor Insurance
MOVE Score’s predictive power is backed by real-world studies conducted between 2018 and 2023, covering over 62,000 drivers and generating approximately 310,000 driver-year data points matched against actual claims KPIs. The results show consistent correlation between higher MOVE Scores and lower claim frequencies across both MTPL and CASCO lines.
DOWNLOAD THE WHITE PAPER
62,000+
drivers studied
310,000+
driver-year data points
MTPL & CASCO
validated across both lines
READY TO ADD THE MISSING SIGNAL?
Explore the MOVE Score platform, download the app, or talk to us about integrating MOVE Score into your underwriting process.