INSURANCE

Telematics data infrastructure for commercial auto insurance

One integration to connect you with telematics data from 290 providers. Bring your loss ratio down by underwriting and pricing on how fleets actually drive instead of self-reported numbers.

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Trusted by companies running critical workflows on telematics data

USE CASES

Become data driven
from Quote to Renewal

Terminal provides historical and ongoing telematics data, consented by the fleet and inspectable down to the raw data. Use historical data to underwrite and price, and the ongoing data to run loss control and claims.

Read our Docs

Underwriting

Inspect a fleet's historical driving data before you bind: fleet size, radius of operation, garaging, mileage, and dashcam presence.

Loss Control

Power safety coaching and loss control programs that help fleets reduce the frequency and severity of claims before they happen.

Risk Scoring

Build proprietary risk models on GPS, safety events, driver behaviour, and vehicle health. Price every fleet on how it actually performs.

Claims

Get an electronic first notice of loss (eFNOL) the moment a crash is detected, with camera footage piped straight into your claims systems.

DEPTH & TRANSPARENCY

Data you can build on

Terminal provides telematics data at full granularity and full history, never downsampled. Every data model is normalized for you and backed by its raw payload, so you can always validate it against the source.

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Vehicles

Each vehicle's year, make, model, fuel type, and license plate for every vehicle, the inventory underwriters price against.

See the full model →

Drivers

Each driver's name, license, and status, tied to their fleet, so you know who is behind the wheel.

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Historical Locations

Historical and real-time GPS locations, heading, and speed. See where a fleet runs and parks for radius of operation and garaging.

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Historical Safety Events

Every critical safety event from both GPS trackers and dash cameras: harsh braking, speeding, phone usage, distracted driving, tailgating, collision alerts and more.

See the full model →


{
  "id": "vcl_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "sourceId": "123456789",
  "provider": "geotab",
  "status": "active",
  "vin": "1HGCM82633A004352",
  "name": "Big Red",
  "make": "Peterbilt",
  "model": "Model 579",
  "year": 2016,
  "groups": [
    "group_01D8ZQFGHVJ858NBF2Q7DV9MNC"
  ],
  "devices": [
    "dvc_01D8ZQFGHVJ858NBF2Q7DV9MNC"
  ],
  "licensePlate": {
    "state": "TN",
    "number": "ABC-1234"
  },
  "fuelType": "gasoline",
  "fuelTankCapacity": 95.33,
  "createdAt": "2023-11-07T05:31:56Z",
  "updatedAt": "2023-11-07T05:31:56Z",
  "metadata": {
    "addedAt": "2023-11-07T05:31:56Z",
    "modifiedAt": "2023-11-07T05:31:56Z",
    "visibility": "visible"
  }
}


{
  "id": "drv_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "sourceId": "123456789",
  "provider": "samsara",
  "status": "active",
  "firstName": "Mike",
  "middleName": "Bryan",
  "lastName": "Miller",
  "email": "driver@example.com",
  "phone": "+19058084567",
  "username": "driver123",
  "license": {
    "state": "TN",
    "number": "123-456-789-0"
  },
  "groups": [
    "group_01D8ZQFGHVJ858NBF2Q7DV9MNC"
  ],
  "createdAt": "2023-11-07T05:31:56Z",
  "updatedAt": "2023-11-07T05:31:56Z",
  "metadata": {
    "addedAt": "2023-11-07T05:31:56Z",
    "modifiedAt": "2023-11-07T05:31:56Z",
    "deletedAt": "2023-11-07T05:31:56Z",
    "visibility": "visible"
  }
}


{
  "id": "vcl_loc_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "provider": "motive",
  "vehicle": "vcl_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "locatedAt": "2021-01-06T03:24:53.000Z",
  "location": {
    "longitude": -122.4194155,
    "latitude": 37.7749295
  },
  "sourceId": "123456789",
  "driver": "drv_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "address": {
    "formatted": "1.5 miles from Austin, TX"
  },
  "heading": 25,
  "speed": 95.33,
  "metadata": {
    "modifiedAt": "2023-11-07T05:31:56Z"
  }
}


{
  "id": "sft_evt_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "sourceId": "123456789",
  "provider": "azuga",
  "type": "harsh_brake",
  "sourceType": "HARD_CORE_BRAKING_MESSAGE",
  "vehicle": "vcl_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "driver": "drv_01D8ZQFGHVJ858NBF2Q7DV9MNC",
  "startedAt": "2021-01-06T03:24:53.000Z",
  "startLocation": {
    "longitude": -122.4194155,
    "latitude": 37.7749295
  },
  "endedAt": "2021-01-06T03:24:53.000Z",
  "endLocation": {
    "longitude": -122.4194155,
    "latitude": 37.7749295
  },
  "stats": {
    "maximumSpeed": 95.33,
    "averageSpeed": 95.33,
    "roadSpeedLimit": 95.33,
    "gForceForwardBackward": 1,
    "gForceSideToSide": 1,
    "heading": 25
  },
  "cameraMedia": {
    "frontFacing": {
      "available": true,
      "sourceId": "12345"
    },
    "rearFacing": {
      "available": true,
      "sourceId": "12345"
    }
  }
  "metadata": {
    "addedAt": "2023-11-07T05:31:56Z",
    "modifiedAt": "2023-11-07T05:31:56Z"
  },
}

HOW IT WORKS

Implementation, in practice

Read our guide

STEP 1

Connect Fleets

Our consent flow allows fleets to authorize access to data from 290 providers.

STEP 2

Ingest Data

Receive normalized and raw telematics data by API, webhooks, or bulk delivery.

STEP 3

Build Analytics

Build your own underwriting, pricing, and risk models on the data, with our support.

STEP 4

Launch

Implement into underwriting, loss control, and claims, then scale across the book.

Improve your loss ratio with better telematics data

Book a Demo

LEGAL

YC-BACKED

SOC2 COMPLIANT

Insurance

Fleet Management

Fuel Cards

Transportation Management

Insurance

Fleet Management

Fuel Cards

Transportation Management

Telematics data infrastructure for commercial auto insurance

Become data drivenfrom Quote to Renewal

Underwriting

Loss Control

Risk Scoring

Claims

Data you can build on

Vehicles

Drivers

Historical Locations

Historical Safety Events

Implementation, in practice

Improve your loss ratio with better telematics data

PRODUCT

DEVELOPERS

COMPANY

LEGAL

Become data driven
from Quote to Renewal

Implementation, in practice