Performance-based Pricing & Digital Claim Journey Made Possible
Turn every trip into actionable data for smarter underwriting, automated loss control, and sustained customer engagement.
20%
Reduction in Loss Ratio
$800
Saving per Claim Journey
75%
Reduction in Claim Filing Time
Why Connected Insurance Matters?
Priced for How You Drive
Unleash real-world driving patterns and behavioral analytics to deploy usage-based and risk-adjusted pricing. Reward safe drivers—improving retention, reducing claims, and aligning premium with true risk.
Let Accidents Handle Themselves
Accelerate claims with automated crash detection, instant eFNOL, and event reconstruction. Cut manual intervention, minimize fraud, and compress settlement cycles from days to minutes.
Beyond Just a Policy
Drive loyalty with interactive safety coaching, personalized driving insights, and integrated rewards. Transform customer experience from passive coverage to active digital engagement.
Mobile-First Driving Intelligence — Smart, Silent, and Battery-Friendly
Driving Detection
Accurately distinguishes between personal driving and riding as a passenger in taxis or public transport, ensuring only self-driven trips are recorded.
Background operation
Automatically start and stop trip recording in the background—no user input required. Optimized for a seamless experience with zero disruption to other app functions.
Battery efficiency
Proprietary algorithms capture every relevant event with minimal battery impact—no drain, no compromise to user experience.
Rapid Deployment
Launch your connected insurance program right from smartphones in DAYS
Plug and Play
Enterprise-level IoT solution for real-time driving data and seamless fleet connectivity
Advanced Behavioral Profiling — Transparent, Adaptive, and Reliable
Distracted Driving
Identify mobile phone use in real time—texting, handheld calls, and more—to improve driving safety and refine risk assessment.
Comprehensive Risk Factors
Evaluate driving performance using over 20 behavioral risk factors—going far beyond basic speed and braking patterns to deliver deeper, more accurate risk insights.
Context-Aware Analytics
Analyze driving behavior with a deep understanding of context—including road types, traffic conditions, and weather, prevents misjudging safe behavior in challenging environments.
Predictive Risk Modeling — Aligned with Claims Impact
Crash Probability Modeling
Forecast collision risk by blending real-time driver data and historical claims data.
Transparent Risk Scoring
Quantify risk per trip and per driver, with clear, actionable scores for underwriting and coaching.
Crash Detection — Proactive, Real-time, and Claims-Ready
Instant eFNOL
Instantly detect vehicle crashes and notify the claim managers to initiate a proactive claims journey, reducing claim filing time from hours—or even days—to just seconds.
Structured First Information Reporting
Generate detailed, data-backed incident reports with precise timestamps and locations. Reduce manual effort and reporting delays.
Crash Reconstruction
Recreate crash events with detailed data & pre/post-incident context—supporting accurate claims assessment, fraud detection, and liability analysis with evidence you can trust.
Success Stories from the Field
Everything You Need to Know About Our Connected Insurance Solutions
How is GIZO different from other solutions in the market?
Unlike most solutions that rely on standard iOS or Android SDKs, GIZO is built from the ground up leveraging our proprietary framework and AI engine purposefully designed for mobility and insurance use cases.
Our hand-crafted system delivers superior accuracy and efficiency across key functions such as geofencing, signal processing, and activity detection, outperforming native mobile SDKs in both reliability and performance.
What insurance products can GIZO power?
GIZO Mobile is built to elevate a wide range of motor insurance products with real-time, behavior-based insights. Whether you’re looking to modernize traditional offerings or launch innovative new ones, GIZO seamlessly enables:
- Private Auto Insurance – including usage-based models like Pay-How-You-Drive (PHYD) and Pay-As-You-Drive (PAYD)
- Commercial Fleet Insurance – optimized for risk monitoring, driver coaching, and operational efficiency
- Young or Learner Driver Programs – designed to engage and guide new drivers while managing underwriting risk
- Short-Term or On-Demand Coverage – perfect for flexible, trip-based insurance products tailored to today’s mobility habits
What type of driving data is collected? What driving behaviors are monitored?
GIZO collects rich, high-resolution driving data using the smartphone’s GPS and motion sensors, including trip duration, location, speed, acceleration patterns, and road type.
Beyond traditional metrics like speeding and harsh braking, our system detects and monitors over 20 distinct driving behaviors, including phone distraction, traffic rule violations and vehicle usage-based risks.
How is driving risk evaluated?
GIZO evaluates driving risk by correlating observed driving behaviors with real-world claim history to model the likelihood of future claims. This risk is then quantified into a dynamic driving score, which can be used for pricing, underwriting, or driver engagement.
Our scoring model is self-adaptive, continuously learning from local driving patterns and environmental contexts to ensure accuracy across different regions, road conditions, and user profiles.
How does GIZO’s crash detection work, and how quickly is FNOL triggered?
GIZO uses a physics-based machine learning model that combines high-frequency motion sensor data with real-time GPS to detect collisions with exceptional accuracy and confidence. Our proprietary algorithms monitor sudden changes in speed and impact force, while fully preserving user privacy by avoiding the use of audio data.
When a collision occurs, FNOL is automatically triggered within 3 seconds. This is followed by a comprehensive crash report that includes detailed incident information, analysis of driver pre- and post-crash behaviors, and predictions on the likely cause of the event.
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Stop Settling for Outdated Solutions
Unlock smarter pricing, frictionless claims, and improved loss ratios with Artificient’s connected mobility platform.
Unlock smarter pricing, frictionless claims, and improved loss ratios with Artificient’s connected mobility platform.