A Question to Insurers and Brokers: Are You Using Telematics in Your Insurance Processes?

If not… Bad news – you’re already behind 82% of your competitors, according to a SambaSafety report.

It’s time to ask yourself: Why not?

Right now, over half of commercial vehicles have telematics on board. By 2028, 95% of them will. The data is there – just take it and go!

Aye, there’s the rub: when you first thought about it, telematics data was too fragmented, making it costly and impractical to retrieve and use efficiently. As a result, insurers were stuck using outdated, manual processes.

As Nick Saeger from Sentry Insurance puts it:

“Given the benefits that he has seen from vehicle telematics, we’re still several years out from the positive impact telematics can have on the commercial auto insurance market in general.”

The good news is that Draivn solved this puzzle in 2025. We made comprehensive, actionable fleet datasets that fit into your process available via ONE API, regardless of the data source, type, or format.

The “WHY NOT” excuse is officially off the table.

But simply having data isn't enough – you need to use it effectively.

As Ken Johnson of Leonard’s Express notes about using telematics:

"They (insurers) say, that is great, but we want to see results."

Let's take quoting – it's a mess:

• Even connected Fleets manually create spreadsheets, send emails to multiple stakeholders, and merge documents. Despite these extensive efforts, the data reaching underwriters is frequently incomplete or outdated, directly impacting rating and pricing accuracy.
• Brokers manually fill out technology checklists and long worksheets across multiple systems, often sending submissions to insurers blindly, without knowing if they align with the insurer’s appetite. It often feels like throwing darts blindfolded.
• Insurers drown in irrelevant submissions, leading to delays, missed opportunities, and inefficiencies.

“Underwriters are starting to give more consideration to top ‘A’ fleets where they have a solid view into the telematics information and can substantiate improved pricing,” says Lisa Paul from Hub International.

“The bad news is the trucking companies that haven’t bought into the technology game don’t have the data to show the insurance companies. Those companies are paying proportionately higher rates.”

The solution: Making telematics work for you

We’ve found a way to facilitate information sharing by fleets and integrate telematics into the quoting process – without the bruises and scars we’ve already collected. Here’s how it works:

1. Fleets securely share telematics data (key rating and selection factors) with brokers or insurers in just 3 simple steps, retaining full control and ownership of their data.
2. Brokers access actionable validated data, enriched with scoring and matched to insurer appetite. With one click (literally), a broker can send a submission to the right insurer.
3. Insurers only receive submissions that align with their appetite, allowing them to assess risk, indicate interest, and generate quotes faster.

Results? A Win-Win-Win:

• Fleets get better coverage, fairer rates, and rewards for safety investments – without wasting time on manual data collection.
• Brokers receive faster feedback on submissions and win more clients by delivering more accurate and competitive quotes.
• Insurers focus on quality leads, confidently crediting the best risks first and never losing an opportunity again.

“Also, diligent collection of underwriting information when developing submissions will greatly improve turnaround time, pricing, and terms and conditions,” says Pete Feeney from CRC Group.

“Agents and brokers need to help their clients implement telematics and partner with insurers that are rewarding insureds for doing so.”

We’ve heard you, Mr. Feeney.?

Summary: Telematics is here to stay – stop guessing, start using

As the industry faces rising costs and tighter underwriting, telematics is no longer optional—it’s essential. But raw data alone isn’t enough – it’s about making it work. That’s where Draivn comes in.

Be among the first to experience the next evolution in fleet insurance. Apply now for early access to our new solution facilitating submissions and quoting.