Risk moves. So does pricing.

Continuous feed of GPS, LPR/OCR cameras, and mobile device data. Full trajectory history with speeds, schedules, and zones. Real-time dashboard or API. Weekly/monthly behavior reports.

Common tools deliver tracking — position and speed. Signal delivers intelligence: what those data points mean for this contract's risk.

Geofences created based on each driver/vehicle profile. Alerts when the vehicle deviates from expected patterns. Distinguishes behavior change from one-time events (business trip vs. systematic deviation).

Static geofences generate false positives. Signal solves this with per-individual geofences — not per-region.

Models trained by usage type (personal insurance, corporate fleet, financed). Alerts when usage deviates from baseline. Classification: observe / investigate / act. Examples: night routes in high-risk zones, abnormally slow speed (possible tow), vehicle at theft-associated locations.

Prevention is cheaper than recovery. 34x faster when the alert arrives before the incident.

Push via API, webhook, or dashboard. Configurable thresholds by event and severity. Integration with SIEM, CRM, and claims workflow. Automatic escalation when anomaly persists.

An alert without context is noise. Signal delivers alerts with behavioral context — the operator knows why the vehicle was flagged and what to do.

UBI isn't just insurance by mile. It's repricing based on real risk. Monthly score updates. Output: adjustment recommendation per contract with justification. Compatible with renewal or mid-term adjustment. API for policy system integration.

Low-risk drivers get reduced premiums, increasing retention. Drivers who worsened get repriced before they file a claim.

Monitors financed vehicle behavior against expected patterns. Flags default intent: atypical usage, unreported transfer of possession, vehicle in area different from contract. Alert to collections before the first missed payment.

Lenders monitor the borrower, not the asset. Signal monitors the asset — and detects when behavior suggests the contract is at risk.