For insurers and fleets

Price EV cover on how people actually drive.

EVVisor turns the car's own telemetry into a Driving Index your pricing team can audit: versioned, and explained factor by factor. No hardware. Read-only. Drivers opt in.

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In a design-partner pilot with an insurer in Turkey.

  1. The car

    Motion data via the official API

  2. EVVisor

    Events, factors, index

  3. Insurer receives

    • Driving Index
    • Factor breakdown
    • Data quality

    Stays with the driver

    • Routes
    • Location history
    • Trip details
  • check_circleOfficial Tesla Fleet API
  • check_circleNo hardware in the car
  • check_circleRead-only access
  • check_circleData hosted in the EU (Frankfurt)
  • check_circleAccess tokens encrypted at rest

One API connection

Data your underwriters can use, per consenting driver.

Each item says who at the insurer uses it. Solid badges are in the API draft (pilot contract); dashed ones are read from the car already and come next.

In the API draft

Real km

Retail kasko, usage-based cover

From the car's odometer, not a declaration. A fact, not a model, so it is usable on day one.

In the API draft

Driving Index 0–100

Retail kasko underwriting

Six factors and a confidence level, versioned. A candidate rating factor your actuaries weight.

Next

Tyre and vehicle alerts

Loss prevention

Low tyre with the gap to recommended pressure, and service warnings, before they become claims. Live in the driver app today.

In the API draft

Fleet aggregate

Fleet kasko pricing

Fleet-level risk without individual surveillance. Individual scores only with each driver's consent.

Next

Sentry Mode use

Theft cover

Is the car guarded when parked? A hypothesis the pilot can test, not a proven effect yet.

Next

Battery and charging

Battery cover, warranty, leasing

Battery level history and charging habits. A new buyer outside kasko: residual value and extended warranty.

Kasko prices the car, not the driver.

group

Same car, same premium

Two people drive the same Model Y very differently. Today they pay the same.

phonelink_off

Dongles and phone apps fail

Extra hardware costs money to ship and install. Phone apps get switched off. Coverage drops exactly where risk sits.

sensors

The car already measures it

An EV records braking, cornering and speed every second. That data isn't reaching pricing.

How it works

  1. 01link

    The driver connects the car

    One Tesla sign-in with read-only access. We never see the password, and the driver can disconnect at any time.

  2. 02insights

    We derive driving events

    Hard braking, sharp cornering, speeding, late-night driving and harsh acceleration, derived from the car's own motion data.

  3. 03fact_check

    You get an auditable index

    A 0–100 Driving Index per driver, with every factor and the model version shown. Scores are never overwritten.

The EVVisor Driving Index

A number you can check, not a black box.

Each index ships with its factors, the data it was built on and a confidence level. When the model changes, you get new scores next to the old ones, never in place of them.

infoNot Tesla's Safety Score

Tesla doesn't share its Safety Score with third parties. The EVVisor Driving Index is our own model, and every number in it can be traced back.

Factors

  • analyticsHard braking
  • analyticsSharp cornering
  • analyticsTime above 140 km/h (a speed proxy; no road limits without location)
  • analyticsLate-night driving
  • analyticsHarsh acceleration
  • analyticsTrip context

For drivers

You stay in control of your data.

KVKK · explicit consent · EU hostingPrivacy notice

  • visibilityYou see your own index first, before anyone else does.
  • location_offYour insurer sees scores and factors. Never your routes or location.
  • how_to_regYour individual score is shared only with your explicit consent (KVKK Art. 5), per insurer, with a scope and an end date.
  • link_offWithdraw consent whenever you want: every read of your car stops.
Sign in to your dashboardarrow_forward

Tesla first. Built brand-agnostic.

We start with Tesla because its API is open. The scoring core doesn't know which brand it's reading, so the same index can run on the next EV platform.

Try it before a meeting

Loss-ratio calculator

Start from public TSB data for the sector or your company, then put in your own numbers.

Open the calculator

Insurer panel (demo)

The portfolio, the method and the report, on sample data marked on every screen.

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10-slide overview

What one API connection makes possible, with sources for every number.

Open the deck

Questions insurers ask

Which cars work today?

Teslas, through Tesla's official Fleet API. The scoring core is built brand-agnostic, so other EVs can be added as their APIs open up.

Does the driver need to install anything?

No hardware and no app to install. The driver signs in with Tesla once and approves read-only access.

Where is the data stored?

In the EU (Frankfurt). Tesla access tokens are encrypted at rest, and the insurer never receives raw location.

How is the index calculated?

From events derived from the car's own acceleration, braking, speed and time-of-day data. Each score carries its model version and a confidence level; early readings are marked provisional until there is enough data.

What does a pilot involve?

A handful of company cars for 90 days. Drivers opt in, and you receive a Fleet Driving Risk Report your pricing and actuarial teams can review.

Run a 90-day pilot on your own fleet.

Start with a handful of company cars. You get a Fleet Driving Risk Report your pricing and actuarial teams can review.

Open the deckOpen the demo