What Drivers Could Gain
Clearer insight into your risk. More control over how you participate. A path to improve—and a model designed so that lower risk can create value for both sides.
Benefits We’re Designing Toward
InsureWise is not being built around vague promises of fairness or better service.
We’re exploring specific ways to give drivers more agency in their insurance relationship.
The experience is being designed to help drivers:
• Understand the major factors affecting their risk
• See what they may be able to improve
• Choose whether to share additional driving data
• Follow their progress over time
• Benefit when their actions help create lower risk
• Have relevant evidence considered when a claim happens
More understanding. More choice. A clearer path forward.
Understand What Affects Your Risk
InsureWise aims to show drivers the major factors influencing their risk—not only the final price.
The goal is to help you distinguish between factors you cannot change and behaviors you may be able to improve, giving you a clearer path forward.
Choose How You Participate
Additional driving data may help demonstrate how you actually drive—but not everyone wants to feel continuously monitored.
InsureWise is exploring a voluntary model where you decide whether to share additional driving data. If you participate, that data should help make your progress visible—not simply make you feel watched.
Benefit When Your Risk Improves
Safer behavior can help reduce expected risk and losses. When that creates real economic value, InsureWise is being designed around the principle that the value should not flow only to the insurer.
The exact benefit still needs to be tested. The goal of the MVP is to learn what drivers value and determine how meaningful improvement could be recognized in a sustainable insurance model.
Which Benefit Matters Most to You?
InsureWise is still early, and the model should be shaped around what drivers genuinely value.
Would clearer risk explanations help you most? More control over driving data? Practical guidance to improve? Or recognition when your risk decreases?
Your perspective can help determine what we test and build first.
When a Claim Happens, Evidence Should Matter
A claim should begin with understanding what actually happened.
Dashcam footage, photos, voluntarily shared driving data, and other relevant information may help create a clearer picture of an incident.
InsureWise is exploring how a more evidence-led review process could reduce uncertainty and support better-informed decisions. The exact claims experience will need to be developed with licensed insurance and carrier partners.
What We Still Need to Prove
The vision is clear, but the model still needs to be tested.
Can clearer explanations help drivers make better decisions? Will people choose to share driving data when they remain in control? Can visible progress encourage lower-risk behavior? And can an evidence-led claims experience improve customer confidence?
These are the questions the InsureWise MVP is being built to answer.