Stop pricing yesterday’s risk. Start seeing tomorrow’s.

Real-time, per-driver behavioural risk intelligence — the data infrastructure for underwriting models that actually reflect how a fleet drives, not how it drove last year.

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Fleet accidents preventable — with data that lets you act before the event

km observed — the ground truth your underwriting model needs

Flagged early — severe-drowsiness progression caught before the claim

The Problem

How it impacts you

The risk was always there. You just couldn’t see it.

Historical claims data tells you what happened. It tells you nothing about the driver who is drowsy on 44% of his shifts — right now, tonight, on the highway. That gap between what your model assumes and what is actually happening on the road is where claims come from.

Behaviour-caused

Accidents caused by driver behaviour — the signal historical data misses.

At night

Drowsy and sleeping incidents occur at night — when risk is hardest to price.

Drowsy state

Driving distance completed drowsy — the risk not in claims history.

The CARD System

Patented Cognitive Risk Assessment

The risk intelligence layer between your model and the road.

drivebuddyAI turns real-world driver behaviour into structured, observable, API-accessible risk signals — at the trip level, the driver level, and the portfolio level.

Layer 01

Observed risk. Not assumed risk.

Every score built from what the driver actually did — speed patterns, drowsiness events, distraction frequency, route risk, JRM compliance, time of day, and 20 unique behavioural signals. Real data. Not statistical approximations.

Per driver — Per trip — 20 risk signals — Real-time feed

Layer 02

Patented cognitive assessment.

Our CARD system — Cognitive Assessment of Risk for Drivers — is not event counting. It correlates simultaneous hazards, environmental factors, and compounding risk patterns to yield a holistic, contextual driver risk profile.

Patented — Contextual · Holistic — API-ready

Products

Risk Intelligence Platform + API

Built for underwriting. Not just reporting.

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Patented CARD System

Real-Time Driver Risk Scores

Patented Cognitive Assessment of Risk per driver — a holistic behavioural risk profile updated every trip. Know which drivers in a fleet are high-risk before they file a claim.

UBI-Ready · Trip-Level

Usage-Based Insurance Data

Trip-level granularity: speed, time of day, drowsiness events, distraction frequency, route risk, JRM compliance, payload data. UBI that reflects how a fleet drives.

Predictive · Pre-Claim

Predictive Claims Intelligence

69% of drivers who progress from drowsy to severely drowsy can be identified early. drivebuddyAI flags the risk pattern before it becomes a claim.

Portfolio · API

Portfolio-Level Risk API

Aggregate risk intelligence across your entire fleet book. Identify systemic risk patterns, segment portfolios by real behaviour, and build underwriting models on data that moves as fast as the road does.

The road tells us what the claim can’t.

Talk to our team about a data partnership, UBI integration, or portfolio-level risk intelligence briefing.

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