FlexyPro Micro Insurance Platform

Innovative AI platform for micro car insurance solutions.

AI-Powered Advanced Risk Modelling

At FlexyPro platform, our AI-powered risk model is built upon a deep analysis of over 1 million real-world trips from tens of thousands of users, combined with verified insurance claim data. To process this data efficiently, we developed a suite of automated tools for filtering, normalization, and enrichment. Using correlation and machine learning analysis, we identified several behavioral and contextual factors that significantly contribute to elevated insurance risk.

graphical user interface
graphical user interface
a computer generated image of the letter a
a computer generated image of the letter a
Driver Digital Model

In FlexyPro we implemented the Driver's Digital Model. The Driver’s Digital Model is a virtual profile of the driver built on data regarding their behavior, preferences, trip history, and risks associated with their driving style, weather conditions, road conditions, and other factors. This model not only allows for risk assessment to calculate insurance costs but also actively interacts with the user through triggered communications, offering personalized proposals and services.

Differentiation

A dark green, compact car is parked in an indoor garage. The focus is on the car's rear, showing a shiny surface, taillights, and a close-up of the license plate with foreign characters. The environment is modern and well-lit, with concrete flooring and minimal barriers.
A dark green, compact car is parked in an indoor garage. The focus is on the car's rear, showing a shiny surface, taillights, and a close-up of the license plate with foreign characters. The environment is modern and well-lit, with concrete flooring and minimal barriers.
A sleek, modern car parked in an urban environment with reflective glass windows on surrounding buildings. Above, signage in multiple languages includes the name of a bank. The car is metallic gray with a sharp design and intricate alloy wheels.
A sleek, modern car parked in an urban environment with reflective glass windows on surrounding buildings. Above, signage in multiple languages includes the name of a bank. The car is metallic gray with a sharp design and intricate alloy wheels.

What is the difference between voluntary comprehensive insurance for a short duration and FlexyPro?

Competitive Advantages

A person pointing at a chart on a laptop
A person pointing at a chart on a laptop
a woman sitting in a car talking on a cell phone
a woman sitting in a car talking on a cell phone
Risk Modelling
  • Very broad set of parameters for dividing users into groups

  • Аlexible additional training of the risk model, supplementing the risk model with additional parameters

Mobile Centric Solution
  • Market leading accuracy of event detection using the phone while driving

  • Large number of definable types mobility movement by car, taxy, scooter/bike, bus, subway, train, etc.

AI/ML Technologies

We are using the most applicable AI/ML technologies to increase data accuracy and to shorten time to market.

woman wearing grey shirt
woman wearing grey shirt
K‑d Tree (K‑dimension Tree) Visualisation

2D Space Partitioning Visualization with Tree Building and Search Zones

Nearest Neighbor Search in k‑d Tree
Support Vector Machine (SVM)

Illustration with hyperplane, margine zones and reference vectors

K-d Tree With Dense Mesh

Example of dense space partitioning, visualization of tree depth through lines of different color/thickness

Random Forest Claffifyer
Gradient Boosting
  • The picture shows how successive trees correct errors of previous ones (red/green dots reflect corrections)

  • Step-by-step construction scheme: tree - error - next tree - improvement.