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IMS Engagement Toolset<sup>TM</sup>

Providing the proven tools you need to engage users to make your connected insurance proposition work – where policyholders and insurers both win!

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Keep drivers engaged to reduce risk, improve retention, and grow a successful telematics program

User disengagement is a silent threat to today’s telematics-based driving programs. Without consistent, meaningful interaction, drivers stop using the app, the program loses its purpose, and insurers fail to reduce risk or cost.

Forward-looking insurers are increasingly recognizing that frequent, high-value engagement, combined with the right mix of personalized incentives, is the key to driving adoption, improving renewal, and building long-term policyholder loyalty. If done wrong, an engagement and rewards-based program will just become a significant cost to your program, but this is where you can rely on our expertise.

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Meet the IMS Engagement Toolset

What is the IMS Engagement Toolset?

Flexible enough to fit any program, comprehensive enough to handle every touchpoint,  the IMS Engagement Toolset is the industry’s most complete suite of telematics-driven engagement features, designed to reduce risk and drive engagement throughout the driver’s journey, from onboarding to renewal.

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Your tool to engage, inform, and retain drivers

The IMS Engagement Toolset is a suite of features enabling our customers to communicate effectively with their end-users through their telematics driving app, without bespoke development work.

It delivers dynamic, personalized, automated content across every channel that matters, in-app messages, emails, and sms, triggered by driving data, removing the need for manual interventions.

Touchpoints adapt to each driver and their behavior, progress, and user journey. The result is relevant content that lands at the right time connecting driving behavior to program outcomes.

Built to support your intervention strategy

At its core, the Engagement Toolset underpins your risk management strategy. It enables automated message distribution triggered by a range of behavioral signals – from unsafe driving patterns that warrant a timely nudge, to positive reinforcement for improved scores, policy milestones, renewal windows, and more.

The right message, to the right driver, at the right time.

This works in parallel with IMS’s expertise across the full data lifecycle: collection, analysis, and behavioral intelligence. We understand what the data tells us — and we know how to turn it into impactful touchpoints that change driver behavior.

Our Labs team can take that further, working with you to define and refine your messaging strategy so you get the most out of every touchpoint.

IMS Engagement ToolsetTM Capabilities

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Messaging

The capability to deploy tailored, data-driven messaging on a one-to-all, one-to-many and even one-to-one basis, through different channels - in-app, email, and SMS.

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Coaching

The distribution of rich-media educational content to policyholders across different channels, triggered by behavioral driving data. Fully customizable, insurers can define the logic at launch and refine it over time as their understanding of the audience grows.

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Rewards

End-to-end digital interaction and complete control over how rewards are earned, distributed, and fulfilled. Fully managed by IMS, the points-based system lets end-users redeem eGift cards from a large selection of global retailers directly from the app - no external platform required.

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Segmentation and A/B testing

Audience segmentation using a combination of data you provide and the driving data we collect. Our A/B testing capabilities enable you to create multiple versions of the same message, so one group sees version A and the other sees version B.

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IMS Engagement Toolset Program Impact

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    Improved behavioral scoring across your targeted portfolio

    Reduce risky driving behaviours across your targeted portfolio through consistent education and communication, improving behavioral scores and deepening engagement with your app and brand. Engagement drives motivation and motivation drives better habits.

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    Loss ratio improvement

    Lower claims costs through proactive risk mitigation and safer driving habits, as well as and double-digit improvements in COR (Combined Operating Ratio) by aligning pricing with real-time risk.

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    Sustained driver retention

    by engaging policyholders with personalized content, behavioral feedback and rewards

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    Measurable ROI with program budgeting and KPI reporting

    Stronger revenue and profitability through smarter underwriting and reduced loss ratios

Work with IMS to achieve these similar outcomes as realized through 10 years of B2C experience running a direct to consumer insurance company:

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    56% of customers check their scores daily and 88% of customers check their scores weekly resulting in 39% less likely to have an accident.

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    50% of customers check their speed regularly (a leading cause of crashes). 54% check their cornering and braking score regularly.

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    1-2% premium investment in rewards enabling an estimated 7% COB program benefit. 1.7% premium investment in rewards enabling 3x return on investment through claims loss ratios improvements.

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datasheet

IMS Engagement ToolsetTM

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casestudy

Carrot Insurance – Rewards Program Case Study

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whitepaper

How to make your insurance telematics and UBI strategy fully work

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Learn more about IMS Engagement ToolsetTM

Contact us to request for more information