Most usage-based insurance programs score speed against a fixed threshold or a rough road-class estimate. RADR reads the posted limit for the specific road segment, which makes the resulting risk signal considerably cleaner.
Per-segment comparison against OSM limit data, with duration and severity grading.
Accelerometer-derived, distance-normalised so trip length doesn't skew the rate.
Same methodology, separate signal.
Lateral G measured via CoreMotion during trips.
Foreground screen time accrued while the vehicle is in motion.
Time driven 11pm–5am, a well-established risk multiplier.
Actual driven distance per period, per vehicle.
0–100 per trip, weighted and distance-normalised.
Detected collisions with timestamp and location.
Explicit, revocable consent to share their score with a named insurer. Never automatic.
Aggregate score and component metrics — not raw location traces.
Discount, cashback, or reduced deductible applied at your discretion.
A note on privacy, because it matters for this one: RADR's default position is that location history stays with the driver. Any insurance integration would be opt-in per driver, revocable at any time, and would share derived scores rather than raw traces unless the driver separately consents. We'd rather build something drivers trust than something that gets deleted.
Applications reviewed within 3 business days.