Pay as you go car insurance: A mobile app for occasional drivers

10/10/2018 • Olivier Grondin

Partner: Altima Assurances

Country: France

Industry: Insurance

Year: 2018

The challenges for Altima of pay-as-you-go insurance

Subsidiary of the MAIF group (5th largest French insurer), Altima acts as a strategic laboratory for the mutual company. It designs disruptive insurance offers that meet the personalised needs of policyholders, adapted to new uses.

In response to the growth of the 'infrequent travelers' market segment, Altima’s objective was to launch a new insurance program adapted to drivers' usage by basing, in part, the bonus on one of two criteria: driving time or distance traveled.

The solution: the development of a telematics insurance application

It was therefore natural for Altima to turn to DriveQuant, the ideal technology partner, capable of providing the services necessary to create a connected insurance product with a very short time-to-market. DriveQuant was thus able to develop a mobile white-label application, which automatically detects the trips made and adjusts the cost of insurance to the trips made.

The principle is quite simple: the policyholder logs in the application, activates the GPS & Bluetooth of his smartphone, and places the Bluetooth box (Beacon) in the glove compartment of his vehicle. From then on, he can drive with complete peace of mind since all trips are automatically detected without any action on his part via his smartphone.
The application offers two pricing types:

Then the policyholder can follow the details of all his trips on his smartphone, day by day, and see the costs associated with each of them. Each month, he pays the fixed rate that covers his parked vehicle, plus the variable amount corresponding to his actual driving time or distance.


The result: a pioneering application in its domain

Altima by MAIF, pioneer in pay-as-you-go car insurance

This program is the world first pay-per-minute auto insurance

100% smartphone-based connected car insurance

The cost of deploying the solution is very low, since it is based on smartphone telematics, powered by DriveQuant.

Two trophies at the French 2018 Insurance Awards

Altima was distinguished twice: Customer's choice for best product award (Winner), and Professional's choice for best product and service (runner-up).


Florent Villain

Marketing Director Groupe MAIF & General Manager ALTIMA

We are delighted to have chosen DriveQuant as our technology partner for our connected insurance solutions. Their smartphone telematics services for driving analysis are easy to integrate. They have enabled us to accelerate the launch of a personalised insurance offer on the market that meets the new uses of mobility.