How InsureWise Is Designed to Work
Understand what affects your risk. Choose how you participate. Improve what you can—and benefit when your risk improves.
A Price Without a Path
Most drivers receive an insurance price without clearly understanding the major factors behind it.
They may not know what they can improve, whether safer behavior is being recognized, or how sharing additional driving data could affect their insurance.
The customer mainly receives a price, pays it, and reacts when something changes. InsureWise is exploring a more participatory relationship—one where drivers can understand their risk, make meaningful choices, and see how improvement could benefit them.
Very Little Changes Between Renewals
You receive a price, pay your premium, and renew—but often have limited visibility into how your risk is changing or what you could do to improve your situation.
You See the Price — Not the Path
Drivers may not clearly understand the major factors affecting their price, which factors they can influence, or whether becoming a lower risk will create any value for them.
Your Improvement Can Feel Invisible
You may drive more carefully, avoid incidents, and reduce risky behavior—but still have little visibility into whether that progress is being recognized or how it could benefit you.
InsureWise is exploring how drivers who choose to participate can make their improvement more visible over time.
Our Approach: Give Drivers a Role in Reducing Risk
InsureWise is exploring an insurance model that does more than calculate a price.
We're designing an experience where drivers can:
• Understand the major factors affecting their risk
• Choose whether to share additional driving data
• See what they can improve and follow their progress
• Benefit when their actions help create lower risk
Participation should be a choice—not a requirement to surrender control of your data.
Our guiding principle is simple:
When drivers and insurers reduce risk together, both should benefit.
The Experience We’re Building
The InsureWise MVP is being designed to demonstrate a different relationship between drivers and their insurance.
The experience will explore how a driver could:
1. See the major factors affecting their risk
2. Choose whether to share additional driving data
3. Identify behaviors they may be able to improve
4. Follow their progress over time
5. Understand how lower risk could create value for both sides
The first version will help us test which parts drivers genuinely value—and which parts can work in the real world.
InsureWise does not currently offer insurance policies or quotes.
The Model We’re Testing
InsureWise is built around a hypothesis:
When drivers better understand their risk—and choose to participate in improving it—they may be more able and motivated to reduce that risk.
If this leads to fewer or less severe losses, real economic value is created. The InsureWise model is being designed around the principle that this value should not benefit only the insurer.
Through the MVP, we want to test whether this approach can improve driver participation, risk outcomes, and customer retention—while preserving meaningful control over personal data.
What Success Would Look Like
The vision is not simply a nicer insurance experience. It is a relationship where drivers have more understanding, more choice, and a clearer reason to participate in reducing risk.
Success would mean drivers can:
• Explain the major factors affecting their risk
• Identify practical actions they can take
• Control whether additional driving data is shared
• See their improvement over time
• Participate in the value created when risk decreases
These outcomes are not yet proven. That is what the MVP is being built to test.
Help Shape What Comes Next
InsureWise is still in development.
Join the early-driver list to follow the MVP, review new ideas, and help us learn what drivers genuinely want from a different insurance relationship.