What if one’s policy could be as unique as their driving habits?

Thanks to tech like telematics and connected data solutions (check our first article in this series), insurance is no longer just about statistics and guesswork. Now, insurers can offer more personalised and fair coverage for drivers, moving away from outdated risk models and towards data-driven, usage-based policies.

This time, we’re diving deeper into how these technologies power next-gen claims management. In particular, we’ll take a closer look at the electronic First Notification of Loss (eFNOL).

We’ll also shine a light on Artificient Mobility Intelligence, a Germany-based startup that’s redefining mobility intelligence. We’ll unpack how Artificient’s innovations—combined with Shaped Thoughts’ expertise in InsurTech—are driving the future of claims management and beyond.

Fears of Being Monitored

Before we dive into the specifics, it’s worth pointing out quite a big concern surrounding connected driving tech. What’s that? Privacy.

As we covered in the previous article, automotive tech can improve safety and cut costs. Yet, MoneyGeek’s survey shows that not everyone is on board with sharing their driving data. Over half (58%) worry about telematics being used in legal cases. Plus, nearly 70% don’t want things like hard braking or phone use tracked—even though 45% believe they’re better drivers than most.

Next-Gen Connected Data for Insurers and Policyholders

eFNOL and Claim Management Transformation

Accidents happen. But with the rise of telematics and electronic First Notice of Loss (eFNOL) systems, claims management has never been simpler. Insurers can now automate the process, saving time and keeping customers feeling cared for.

Key benefits of eFNOL:

• Instant Incident Reporting: Thanks to real-time data, accidents are reported right away, making the claims process much faster.
• Better Accuracy: Telematics data gives insurers all the specifics about the incident—location, severity, environmental conditions and the like. Thanks to this, they can make more informed decisions.
• Fraud Prevention: Advanced analytics help detect inconsistencies in claims, reducing fraud altogether.
• Cost Savings: Automation cuts down on paperwork, letting insurers use their resources more effectively.

Transforming Claims Management

With eFNOL at the heart of the process, claims are becoming more efficient and centred around the customer. Here’s how things are transforming:

• Real-Time Assistance: As soon as an accident happens, policyholders can get support ASAP—whether it’s towing or medical help—all triggered by real-time data.
• Digital Documentation: The system automatically fills in all the necessary details about accidents. This leaves little room for manual errors and speeds up processing times.
• Customer Transparency: Policyholders can check the accident details as they happen. This gives them peace of mind and fosters trust throughout the entire process.

Redefining Connected Driving: Artificient’s Solutions

Artificient and Their Mission

Artificient Mobility Intelligence is a Germany-based startup that decodes mobility data and translates them into meaningful, transparent, actionable insights for safer and smarter driving. As a university spin-off, Artificient brings together fresh research and hands-on innovation to help insurers and mobility providers make the best return on investment from their mobility data.

Their mission is simple: unlock the hidden value in mobility data, transforming idle numbers into actionable insights that drive safer roads, faster claims handling, and greener transportation for everyone.

Artificient’s Connected Driving Offerings

Artificient’s GIZO platform is the centrepiece of their connected driving solutions—a smartphone-based system that makes connected insurance easy and effective. The platform offers features like risk scoring, real-time collision detection, and automatic trip logging, all without the need for extra hardware. It collects data from various sources—vehicle APIs, mobile devices, and even third-party dashcams—giving insurers the insights they need to improve underwriting, handle claims more efficiently, and spot potential fraud.

Artificient’s solutions integrate seamlessly with eFNOL workflows, enabling insurers to harness the full potential of telematics for superior claims management.

Key Features of Artificient’s Technology

Artificient’s technology offers a wide range of features:

• Real-Time Collision Detection: Sends immediate FNOL (First Notification of Loss) alerts to speed up the claims process.
• Risk Scoring and Profiling: Uses 20+ data points from motion and imagery to deliver an accurate road risk evaluation.
• Distraction Detection: Tracks phone usage while driving to help prevent distractions on the road.
• User Mobility Profiling: Studies how and why people travel to gain deeper insights into their mobility habits.
• Plug-and-Play Solutions: Delivers a ready-to-use white-label app and SDKs for easy integration in just two weeks.

Connected Driving Data in Insurance

Artificient’s GIZO platform plugs seamlessly into insurers’ existing systems to enhance customer experience and streamline operations. It automates data collection and analysis, helping insurers identify risky drivers, detect fraud, and fine-tune pricing. This makes underwriting and claims handling smoother while keeping insurers ahead in today’s digital-first world.

With Artificient, insurers get a glimpse into the future of mobility—using smart tech to deliver safer, more efficient, hassle-free, and sustainable services.

Collaboration Between Artificient and Shaped Thoughts

Artificient has joined forces with Shaped Thoughts to bring smarter mobility insights to user-friendly digital solutions. With our know-how in InsurTech and Artificient’s innovative telematics, this partnership is set to turn things around in how insurers interact with policyholders and handle risks.

Wrapping up

There’s no doubt that the future of insurance is linked to connected driving and the data-driven insights that come with it. Telematics isn’t just an experiment anymore—it’s becoming an industry standard. After all, modern cars have built-in connectivity, so data collection is happening whether we like it or not. But as an insurer, you might as well act on it—be open and honest about this change and take security seriously. By doing so you can turn this challenge into an opportunity—building trust while offering more relevant and competitive products. 

The future of insurance is here, and it’s powered by connected data. With Artificient and Shaped Thoughts by your side, you’re equipped to navigate this transformation seamlessly. Ready to transform your approach to insurance? The power of connected driving is at your fingertips. You can reach it by reaching out to us!