Reduce Motor Claims Before They Happen
Traditional underwriting models assess age, vehicle, location, claims history and telematics.
But they overlook one of the biggest predictors of future claims.
Human behaviour.
Target Profila helps insurers identify drivers whose natural behavioural preferences may increase accident risk, providing an additional layer of insight for underwriting and risk management.
Why Behaviour Matters
More than 90% of road accidents are primarily caused by human behaviour.
Driving skill is only part of the equation. The way drivers respond to pressure, frustration and changing road conditions often determines whether an incident occurs.
Understanding behaviour means understanding risk.
Built for Insurers
Target Profila has been developed specifically for insurers looking to improve underwriting decisions and reduce motor claims.
Whether supporting new business, commercial fleets or existing policyholders, behavioural risk data provides valuable additional insight.
Commercial Benefits
- Improve underwriting decisions
- Reduce claims frequency
- Strengthen portfolio performance
- Differentiate your products
- Support proactive risk management
The Problem
Traditional Underwriting Is Missing a Critical Variable
Today’s underwriting models rely on information such as claims history, demographics, vehicle type and telematics.
These help explain what has happened in the past.
They do not explain why.
Behavioural risk provides insurers with a new source of predictive insight, helping identify drivers who may present a higher risk before the first claim occurs.
Better Underwriting
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Support underwriting decisions with an additional behavioural risk indicator that complements existing pricing and risk models.
Better Risk Selection
Differentiate between applicants who appear similar on paper but present very different behavioural risk profiles.
Better Claims Outcomes
Understanding behavioural risk enables insurers to move beyond reacting to claims and towards preventing them.