Machine learning to revolutionize risk management.

Loss ratio reduction
Underwriting excellence
White label apps
Cars driving on different risk levels

AI insights for loss ratio reduction and underwriting excellence.

Uncover the benefits of an entirely new risk forecasting landscape with the ability to predict crashes and loss cost using real-time GPS data. Using machine learning, we analyze every second of driver data to replace “event-based” risk measurement with a unique pattern-based AI solution that provides an accurate and personalized measure of driver risk.

Our connected insurance solution requires only GPS data, from a mobile phone, tethered to the vehicle using its own Bluetooth functionality. This means there is no need for a black box or other in-car device, resulting in optimum driver risk insights for insurers, at a much lower cost.

A true game changer for loss ratio and customer retention.

In a market that is changing rapidly to accommodate new models of vehicle ownership, an accurate early understanding of the effectiveness of your pricing is more important than ever to achieve better loss ratios, promoting enhanced customer engagement and retention alongside reduced acquisition costs. We arm insurers with more decision-making power than ever before to enable them to create attractive, personalized offers based on individual usage, incentivizing driver performance and rewarding loyal customers.

Our pattern profiling delivers a DriverDNA that facilitates the individualized pricing of premiums, delivering unbiased underwriting. It also helps to increase competitiveness in a challenging market, by predicting the profitability of your portfolio enabling focused fair renewal pricing, and providing a digitized offering ready for the next generation of consumers.

Enerfy Risk Portfolio Tracker

Real-time risk analysis by Enerfy Risk Portfolio Tracker provides full visibility per end-user and the total motor book performance.

  • Loss forecasting per policy
  • Smart customer retention
  • Live risk index from top to trip
  • Risk heat maps
  • Risk time distribution
  • Driver CO2 tracking and much more...

Learn more about Enerfy AI

Personal and commercial lines solutions


Offers a wide variety of flexible pricing models, such as PAYG, PHYD, monthly dynamic and more.

Customer satisfaction is key to long-term success. Engage and delight your customers for smarter customer retention.

Digital traditional

Create a customer-friendly digital app interface where your customers can get a superior customer experience and interact with you with ease.

Ride hailing

Toggling between commercial and private driving has never been easier.

You have a vision. We have the solutions.
Get in touch to discover what AI can do for your business.
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