EVVisor

Pilot proposal

One API connection. The car's data in your tariff.

Rating factors from the EV's own data, for individual drivers and corporate fleets. With the driver's consent, no hardware, straight into your rating engine.

Live demo/insurer

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Turkey · EVs and kasko

The sector is already asking for this.

“…a system that charges a higher premium to the risky driver and a lower premium to the safe driver.”

TSB 2025 Sector Report, p. 62, on the Traffic Safety Action Plan (motor third-party liability)

10.1% → 17.5%

electric share of new car sales, 2024 → 2025 (ODMD)

18.1%

of cars registered Jan–Aug 2026 are electric (TÜİK)

2.6%

of the 18.0 M cars on the road are electric (TÜİK, Aug 2026)

2.3 M

EVs on the road in 2030, EPDK mid case (Mar 2026: 412k; 2035: 5.6 M)

ⓘ TSB 2025 Sector Report p. 62 · ODMD press bulletins, 6 Jan 2025 and 6 Jan 2026 (battery-electric) · TÜİK motor vehicles, 16 Sep 2026 · EPDK EV and charging projection, Board Decision 14510, 22 Apr 2026

KVKK · explicit consent · no location shared

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One API

What one API connection gives you.

Per driver, with consent

Driving Index 0–100
6 factors
Data quality
Real km
Tyre and vehicle alerts
Sentry Mode use
Battery and charging
FSD km

Dashed: read from the car today; in the next API version

Rating factors

Driving Index, real km, seat belt use

Rating + claims

Sentry use: theft risk, a record for the claim file

FSD share

FSD km / total km, once FSD is available

Prevention

Low tyre, service warnings

Sum insured

Battery health for sum insured and total loss

Fleets

Fleet risk, no surveillance

Open live/insurer/pricing#api

KVKK · explicit consent · no location shared

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Insurer · rating factors

We measure the rating factor. You set its weight.

111 items: rating, claims, prevention, sum insured
2Status per item: today or with telemetry
3Your actuarial decision

Open live/insurer/pricing

KVKK · explicit consent · no location shared

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Insurer · tariff simulation

Your coefficients on a sample portfolio.

1You set a coefficient per index band
2Each band's effect on premium, instantly
3Sample tariff; no loss outcome is simulated

Open live/insurer/pricing

KVKK · explicit consent · no location shared

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Fleet admin

Corporate fleets without surveillance.

1Connection and alerts per car
2Fleet totals: the same figures reach the insurer by API
3Individual scores need consent

Open live/insurer/fleet

KVKK · explicit consent · no location shared

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Insurer panel · from the API

The API data, in a ready panel.

1Portfolio index distribution
2Consented drivers only
3Method, CSV and PDF in one click

Open live/insurer

KVKK · explicit consent · no location shared

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Trend 2 · Insurance moves to data

What do the benchmarks measure?

	Measures	Number
Tesla Real-Time Insurance (US) Premium recalculated monthly from the Safety Score (0–100); FSD km score 100. Turkey's equivalent: an annual policy whose technical premium is recalculated monthly.	Price rule	Re-rated monthly
Lemonade (US) Fixed monthly base + a rate per distance. Since 26 Jan 2026 (Arizona) the per-distance rate halves on FSD km; the base stays, so the total falls far less than 50%.	Per-km rate	−50% on FSD km
IVASS (Italy) Insurers with ≥50% black-box policies vs none, 2019. Correlation, selection included.	Loss ratio	≈−15 pts
Aksigorta (Turkey, since 2020) Fiat Yol Arkadaşım Connect Kasko: an add-on device with subscription gives a driving score and days of use. At renewal, score >75 → 8.5–10% off; up to 250 TL more by days of use.	Tariff discount	8.5–10%
Randomised field experiment (US) 1,449 drivers vs a control group. Measured: hard braking −16–21%. CMT, the trial's telematics partner, estimates this at −7.4% loss cost: a model estimate, not observed claims.	Loss cost, estimate	−7.4%

Only IVASS measures a loss ratio, and it is a correlation. Our scenario uses the most cautious figure, the trial's −7.4%.

ⓘ tesla.com/support/insurance · Lemonade, Jan 2026 · IVASS, Bollettino IPER 2020 Q4 · aksigorta.com.tr · AA, 2 Oct 2020 · Accident Analysis & Prevention 225 (2026)

KVKK · explicit consent · no location shared

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FSD · the pricing shift

An FSD km is a separately priced risk.

Distance driven without a major collision

FSD (Supervised)

9.16M km

US average, all cars

1.12M km

≈8× more km between major collisions on FSD (tesla.com/fsd/safety, read 27 Sep 2026: last 12 months, North America, 5.69M vs 699k miles; US average estimated by Tesla)

−50%

Lemonade · per-km rate on FSD km only; the fixed monthly base stays

100

Tesla · every FSD km scores 100 in the Safety Score

−10%

Tesla · FSD discount, up to

FSD km is readable on HW4 cars today. FSD in Turkey: not yet.

ⓘ Tesla-reported: a collision counts if FSD was active within 5 s before impact; FSD miles are highway-heavy. · tesla.com/fsd/safety (read 27 Sep 2026; rolling 12 months, updated quarterly) · Lemonade (Jan 2026) · tesla.com/support/insurance (Safety Score v3.0) · RDW (2026) · developer.tesla.com

KVKK · explicit consent · no location shared

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Business case

Sector + Tesla data: what changes?

72.9%

Kasko gross loss ratio, sector, Jan–Jun 2026: TSB's latest; the August release is premium only

67.5%

EV segment with Tesla data, behaviour effect only, before discount

−5.4

points

72.9% × (1 − 7.4%) = 67.5%: the most cautious effect below. Gross, DERK excluded.

What Tesla data measures, and the published effect of each

Driving behaviour

−7.4%

loss cost: CMT's estimate from measured safer driving, 1,449 US drivers

Randomised trial, estimate · used here

Safety systems

−13% / −39%

property-damage liability claim frequency: front AEB alone / full ADAS bundle, US

Same-model comparison · HLDI, Dec 2025

Telematics on the policy

≈−15 pts

loss ratio at Italian insurers with ≥50% black-box policies, 2019

Correlation · IVASS

FSD km

≈8×

more km per major collision on FSD than the US average

Tesla-reported · tesla.com, Sep 2026

ⓘ TSB 'Hasar Prim Oranları' Jan–Jun 2026 (all kasko, quarterly) · IVASS IPER 2020 Q4 · HLDI 42-30 (Dec 2025) · AA&P 225 (2026) · tesla.com/fsd/safety (27 Sep 2026)

KVKK · explicit consent · no location shared

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Driver app · KVKK

The driver shares the data.

1Explicit consent, KVKK Art. 5
2Never location or routes
3Withdraw any time

Open live/dashboard/driving-score

evvisor.com/dashboard/driving-scoreDemo data

KVKK · explicit consent · no location shared

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Pilot proposal

7 cars, 90 days: a rating factor or not?

01
Weeks 0–2
Consent, connection, key pairing
02
Weeks 2–6
Index v1, first risk report
03
Weeks 6–12
Regular reports, pricing review

Success: 7 cars scored, and the index reviewed as a candidate rating factor.

What you work with during the pilot (live, sample data today):

Next step: a working session with kasko pricing.

KVKK · explicit consent · no location shared

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Live product

One data source: driver, fleet, insurer. Click through.

Green: real data. Blue: demo pages with sample data, marked on every screen.

Any calculation you need, we run on your data.

Thank you.

KVKK · explicit consent · no location shared

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