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Risk-based Car Insurance Pricing bot

Score the risk of a car ride !

What is it ?

Pricing models for automobile insurance aim to assess the risks sustained by a vehicle, through the driver's driving habits. In particular, regarding frequently used routes, which can represent high risk variables of for a vehicle.

In order to measure this risk, Sia Partners has developed this bot to assess the risk of a journey between two points.


Visualizing the governmental data on accidents

The French Ministry of Interior has made available the database of road accidents as open data. This database contains all accidents identified by the authorities and their characteristics.

Sia Partners has utilized this data in order to feed the bot. The app visualizes the associated accidents for a specific given journey and to measure its risk.


Bot applications :

  • Traditional pricing: new input to the existing model to improve its performance
  • Price customization: use the most frequent ride (from home to work) to increase price segmentation
  • Pay how you drive: synergize this score with telematics whose price depends on real-time driving data


If you wish to learn more about our Risk-based Car Insurance Pricing bot, use the link below to access a demo :



Risk-based Car Insurance Pricing bot is part of Heka, the ecosystem of AI solutions developed by Sia Partners.

To learn more about Heka and its ecosystem

Click here