Dolphin Technologies

31/03/2026

What does telematics actually look like from a customer's perspective?

In episode 10 of the Insurance Telematics Podcast, our CEO Harald Trautsch, touches on Porsche Insurance's Smart Driver product as a real-world example of telematics done right.

Drivers get up to 20% discount on their premium based on actual driving behaviour. Scoring, trip breakdowns, phone distraction data, braking, acceleration — all in one place, all transparent.

🎙️ Catch the full episode here:
🌐 https://www.dolphin.io/podcast/
▶️ https://www.youtube.com/-telematics
🎧 https://open.spotify.com/show/5ssR1N6NbHRlKIZa5gVnjw
🍎 https://podcasts.apple.com/at/podcast/insurance-telematics/id1794779345

26/03/2026

Telematics isn't one size fits all. Not every insurer or MGA has the time or resources to build telematics from scratch. But that doesn't mean they should be left behind.

In this clip from episode 10 of the Insurance Telematics Podcast, our CEO Harald Trautsch, explains how our MOVE Score gives insurers and MGAs a simple, easy to implement way to understand driving behaviour and claims risk without building a full telematics product.

And for those focused on customer loyalty, upselling or a richer app experience, the MOVE SDK and white label solutions take it a step further.

The competitive gap between those who have driving behaviour data and those who don't is only going to grow.

🎙️ Full episode here:
🌐 https://www.dolphin.io/podcast/
▶️ https://www.youtube.com/-telematics
🎧 https://open.spotify.com/show/5ssR1N6NbHRlKIZa5gVnjw
🍎 https://podcasts.apple.com/at/podcast/insurance-telematics/id1794779345

24/03/2026

One of the biggest challenges in telematics isn't the technology. It's the friction. Separate apps, complex onboarding, unclear value for the customer. That's where most rollouts stall.

Vienna Insurance Group took a different approach. Instead of launching a standalone telematics product, they embedded telematics directly into their existing insurance apps — starting with KOOPILOT in the Czech Republic. No extra downloads, no complicated setup, just telematics as a natural part of the customer experience.

The result is a scalable foundation that can roll out across multiple Central and Eastern European markets without rebuilding from scratch each time.

We're proud to power this rollout with our MOVE SDK.
📖 Read the full story here → https://www.dolphin.io/blog/vienna-insurance-group-telematics-rollout/

Thinking about your own telematics rollout? Let's talk. Book a discovery call with us 👉 https://www.dolphin.io/contact

Vienna Insurance Group begins the international rollout of its telematics strategy with Dolphin Technologies, starting in the Czech Republic and focusing on integrated, customer-friendly telematics services.

19/03/2026

Classic car insurance has two touchpoints with a customer: the contract, and the claim. That's it.

No interaction in between. No support during the journey. No value added until something goes wrong — and by then, it's too late.
Telematics changes the entire relationship. Insurers can now reach their customers at the right moment, with advice before a risky drive, a reward for safe behaviour, a warning when conditions get dangerous. The policy becomes a service. The insurer becomes a partner.

The ones who get this right won't just have better loss ratios.They'll have customers who actually want to stay.

Curious about what this looks like in practice? Book a telematics discovery call with us 👉 https://www.dolphin.io/contact

17/03/2026

Short trips dominate accident statistics — not because drivers are worse on them, but because they represent the highest frequency and the highest relative risk combined. The first 3 minutes of any journey carry a relative risk score of 3. By the time you're past 40 minutes, that drops to 1.9 — on a trip most drivers never even take.

Telematics gives you this granularity. Not just speed and braking, but when in a journey risk concentrates. That's the kind of insight that makes portfolios more accurate, pricing more fair, and loss ratios easier to defend.

Curious how this translates into practice? Full breakdown in our latest blog ➡️ https://www.dolphin.io/blog/accident-risk-first-minutes-driving/

26/02/2026

Motor insurers don’t just price risk — they price exposure. But exposure isn’t static. It changes every day with how, when, and where customers actually drive.

That’s where telematics adds a missing behavioural layer:
helping insurers move from proxy-based assumptions to real-world risk visibility.

Our latest blog explores how exposure-based thinking supports better underwriting, pricing accuracy, and proactive risk management.

Read more:
https://www.dolphin.io/blog/exposure-to-risk-motor-insurance/

23/02/2026

Telematics adoption is rarely a technology challenge. It’s a value and trust challenge.
When customers clearly understand the benefit — and feel in control — telematics is more likely to be accepted as a service, not perceived as monitoring.

In our latest blog article, we explore how insurers can design telematics programmes that drive opt-in, engagement, and long-term scalability.

Read the blog:
https://www.dolphin.io/blog/privacy-trust-telematics-designing-adoption/

If you’d like to discuss what this could look like for your motor portfolio, feel free to get in touch:
https://www.dolphin.io/contact

19/02/2026

Telematics is often launched as a standalone product — a tariff, a discount programme, an app. But that framing is why many initiatives stall.
Telematics creates the most value when treated as a behavioural data layer: a shared capability that strengthens underwriting, claims, retention, and prevention over time.

Our new blog explores why insurers who win with telematics aren’t the loudest launchers — they’re the ones who quietly turn behaviour into a scalable asset.

Read the blog:
https://www.dolphin.io/blog/telematics-as-a-behavioural-data-layer/
Or get in touch if you want to discuss a pilot-first approach:
https://www.dolphin.io/contact

16/02/2026

Price isn’t the only lever for retention in motor insurance. Digital touchpoints powered by telematics grounded in real behaviour and context can deepen engagement and reduce churn. Our new blog post explores why retention is as much about experience as pricing, and how digital signals unlock smarter journeys.
Read the blog: https://www.dolphin.io/blog/beyond-price-digital-touchpoints-motor-insurance-retention/
Want to discuss what this could look like for your portfolio? Book a meeting with us: https://www.dolphin.io/contact

12/02/2026

Telematics pilots don’t need to start big to succeed. They need to be smart, safe, and scalable.
In our latest blog we cover how insurers can:
✔ start small
✔ prove value early
✔ and expand telematics without operational risk
Read more:
🔗 https://www.dolphin.io/blog/telematics-pilots-insurers-start-small
Or if you want to talk about pilot options for your portfolio feel free to book a meeting: https://www.dolphin.io/contact

10/02/2026

Risk in motor insurance is still mostly managed after a loss occurs.
Telematics changes that by adding a behavioural, forward-looking signal before claims emerge.

In this blog, we look at how telematics enables proactive risk management — and how prevention can actually be operationalised inside the insurance app.

Read our new post, Rethinking Risk Management in Motor Insurance: From Claims to Prevention: https://www.dolphin.io/blog/proactive-risk-management-motor-insurance/.
Or get in touch if you’d like to explore what this could look like for your portfolio: https://www.dolphin.io/contact.

08/12/2025

At Dolphin Technologies, we partnered with Porsche Versicherung to develop the Smart Driver App. In a recent conversation, Barbara Piovarova and our CEO & Founder Harald Trautsch shared how telematics goes far beyond pricing.

By combining driving-behavior insights with real-time weather alerts, the app helps drivers spot risk earlier and adapt to hazardous conditions. The result is safer driving, fewer accidents, and a better experience for everyone on the road.

Our mission is to make mobility safer and smarter. Together with Porsche Versicherung, we’re putting that mission into practice — preventing accidents and enabling a fairer, more transparent insurance experience for drivers.

An accident-free world where we move efficiently and with respect for our environment.

🔗 Find out more about MOVE SDK: https://movesdk.com/?utm_source=facebook&utm_medium=social+unpaid&utm_campaign=move_pilot
🔗 Read about MOVE Score: https://www.movescore.app/?utm_source=Facebook&utm_medium=post&utm_campaign=Whitepaper&utm_id=Unpaid
🔗 Check out The Smart App by Porche Insurance: https://www.porschebank.at/en/products/insurance/smart-driver/

Check out the podcast episode:
🎧 Youtube: https://www.youtube.com/watch?v=49dj9Xr7yDM
🎧 Spotify: https://creators.spotify.com/pod/show/dolphin-technologies/episodes/Best-Practice-Porsche-Insurance-e34k21u
🎧 Apple Podcast: https://podcasts.apple.com/at/podcast/insurance-telematics/id1794779345?i=1000714356871