# Kruzr Kruzr builds AI-powered road safety, telematics, and contextual driving risk intelligence for insurers, fleets, shared mobility platforms, logistics operators, and automobile companies. ## Primary Pages - Home: https://kruzr.co/ - Insurance: https://kruzr.co/industries/insurance - Pay Per Mile Insurance: https://kruzr.co/pay-per-mile - Automobiles: https://kruzr.co/industries/automobiles - OEMs and Automakers: https://kruzr.co/industries/oems - Insurance Brokerage: https://kruzr.co/industries/brokerage - Shared Mobility: https://kruzr.co/industries/shared-mobility - Logistics: https://kruzr.co/industries/logistics - Platform: https://kruzr.co/platform - Safety Index: https://kruzr.co/safety-index - Driving Risk Scoring: https://kruzr.co/technology/risk-scoring - Contextual Risk Intelligence: https://kruzr.co/technology/contextual-risk - Preventive Safety: https://kruzr.co/technology/preventive-safety - Behaviour Re-enforcement: https://kruzr.co/technology/behaviour-reinforcement - AI for Safe Mobility: https://kruzr.co/technology/ai-safe-mobility - Kruzr Years in Review: https://kruzr.co/kruzr-years-review - Frequently Asked Questions: https://kruzr.co/resources/faq - White Papers: https://kruzr.co/resources/white-papers - SDKs: https://kruzr.co/products/sdks - Kruzr 360 for Geotab: https://kruzr.co/products/kruzr-360-geotab - Developer Docs: https://docs.kruzr.co - Public App: https://app.kruzr.io - About, Leadership Team, and Advisory Board: https://kruzr.co/about/us - Partners: https://kruzr.co/about/partners - DICEUS connects Kruzr smartphone telematics and driver-safety capabilities with insurance policy administration, underwriting, pricing, renewal, and customer-engagement workflows. - InsureMO connects Kruzr contextual telematics with its API-driven insurance middleware ecosystem for personalized insurance, mobility, automotive, and fleet-safety use cases. - Kruzr 360 is available through the Geotab Marketplace and combines Geotab GO9 device data with traffic and weather context for driver and fleet risk insights. - Recognitions: https://kruzr.co/about/recognitions - The recognition archive covers InsurTech Hub Munich, TNW, Digital Insurance Agenda, WhatAVenture, and EY Startup Academy. - Newsroom: https://kruzr.co/about/news - The Newsroom collects Kruzr company announcements, partner news, press coverage, funding milestones, recognition, and events. - Contact: https://kruzr.co/contact-us ## What Kruzr Does - Contextual driving risk measurement - Comprehensive driving risk scoring with behavioral and contextual signals - Driver safety scoring and Safety Index - Usage-based and behavior-based insurance support - Pay-per-mile and mileage-based insurance programs - Driver fatigue, distraction, speeding, braking, acceleration, and hard-turn risk insights - Real-time driver safety guidance - Fleet and shared mobility risk visibility - Logistics fleet safety combines driver-habit measurement, fatigue prediction, distraction analysis, accident hot-spot alerts, contextual safe-speed guidance, fleet risk visibility, and deployment through Kruzr Cloud or a private cloud. Personalized driver coaching programs built from each driver's driving and risk patterns are coming soon. - Android and iOS mobile telematics SDKs for consent-based background trip collection, smartphone driving data capture, backend scoring, contextual risk analysis, driver coaching, and insurance engagement - Flutter mobile telematics plugin is planned and listed as coming soon - Kruzr 360 for Geotab is a unified driving safety score dashboard for fleets using Geotab GO9 devices. It pulls GO9 device data, enriches it with traffic and weather context, identifies high-risk situations from speeding, braking, acceleration, and lane-change behavior, and provides driver-level and fleet-level risk insights. Official Geotab Marketplace listing: https://marketplace.geotab.com/solutions/kruzr-360/ - SDK and platform integrations for mobility and insurance products - Product proof includes 100M+ API requests handled, 20M driving conditions analyzed, 250K km of real-world test drives, 150K km of risk-free driving, 10K+ hours of R&D, and 1,300+ accident-prone zones analyzed ## Frequently Asked Questions - What is telematics-based customer engagement? - Telematics-based customer engagement is a digital strategy that uses real-time mobility data to build continuous, value-driven relationships between insurers and policyholders. Unlike traditional insurance models that only interact at renewal or claim, telematics-based engagement uses driving signals to provide frequent touchpoints such as driver coaching, safe driving rewards, and behavioral risk reinforcement. The goal is to move the insurer's role from a reactive payer to a proactive safety partner, increasing brand relevance and customer loyalty. - Can telematics work without UBI? - Yes, telematics can be successfully deployed independently of Usage-Based Insurance (UBI). While telematics provides the data for UBI pricing, it can also function purely as an engagement and risk-reduction layer. In this model, insurers use driving data to power loyalty programs, safety features, and driver coaching without affecting the customer's premium. This allows insurers to improve portfolio loss ratios and customer retention without the actuarial and regulatory complexity of changing their pricing models. - How can insurers start telematics without changing premiums? - Insurers can launch telematics initiatives without changing premiums by focusing on Engagement-First deployment. This involves offering a smartphone-based Safety and Rewards app as a value-added service to existing policyholders. By providing immediate benefits such as coaching tips, gamified challenges, and non-insurance rewards, insurers can validate customer adoption and build trust. This approach requires no actuarial filings and allows the insurer to gather behavioral data that can eventually inform future underwriting decisions. - Who owns telematics inside an insurance company? - Historically, telematics has been owned by Underwriting and Actuarial teams focused on risk selection. However, as the technology shifts toward engagement, ownership is expanding to Customer Marketing, Digital Product Managers, and Chief Experience Officers. These stakeholders view telematics as a growth and retention tool. In modern insurance organizations, telematics is often managed by cross-functional squads that include representatives from both the commercial Marketing and Growth side and the technical Risk and Underwriting side of the business. - What are the benefits of telematics beyond pricing? - Beyond pricing and UBI, telematics offers significant strategic advantages including increased retention through frequent positive interactions, lower loss ratios through driver coaching and behavioral risk reduction, reduced acquisition costs through safety-branded app differentiation, and claims support through faster First Notice of Loss and more accurate accident reconstruction. ## News and Recognition - Expanding into Turkey: Kruzr Partners with Aykut Tosun to Advance Connected Motor Insurance (published September 15, 2026 at 11:00 AM IST): https://kruzr.co/about/news/expanding-into-turkeye-aykut-tosun - Kruzr is expanding into Turkey through a strategic partnership with seasoned insurance executive Aykut Tosun. - The partnership will support insurers, MGAs, brokers, fleets, and mobility providers with scalable smartphone telematics, driver engagement, underwriting intelligence, and risk prevention. - Aykut leads Kruzr's market development across Turkey. Pallav Singh is CEO of Kruzr. Onno Bloemers leads Partnerships & Growth at Kruzr. - Kruzr and Aykut will begin tailored Proof-of-Value initiatives with select Turkish carriers and enterprise fleets. - DICEUS partners with Kruzr to power connected motor insurance (published July 13, 2026): https://kruzr.co/about/news/diceus-partners-with-kruzr-connected-motor-insurance - DICEUS: https://diceus.com/insurance/ - The partnership connects Kruzr smartphone telematics and driver-safety capabilities with DICEUS Policy Administration System, Underwriting Workbench, and Insurance Super App. - Insurers can use driving-behavior scores, trip data, and risk indicators across underwriting, pricing, renewal, retention, coaching, rewards, and customer-engagement workflows. - Illia Pinchuk is CEO of DICEUS. Pallav Singh is CEO of Kruzr. - Kruzr Appoints Advisory Board (published June 16, 2026): https://kruzr.co/about/news/kruzr-appoints-advisory-board - Madalina Lavinia Preda serves as Advisory Board Chair. - Alexander Kapur advises on smart cities, GovTech, policy, and public-private partnerships. - Oana Andreea Manta advises on financial services, customer journeys, and regulated-market transformation. - Rohan Kalra advises on secure AI-driven enterprise transformation and architecture. - InsureMO highlighted Kruzr's telematics solution for personalized motor insurance and automotive services (published May 5, 2025): https://kruzr.co/about/news/kruzr-telematics-solution-powered-by-insuremo - Source: https://insuremo.com/en/news/kruzrs-telematics-solution-powered-by-insuremo-delivers-personalized-motor-insurance-and-automotive-services/ - The InsureMO announcement describes a Kruzr-InsureMO telematics suite that can collect motion data from smartphones or hardware, enrich it with contextual insights, and support personalized insurance, risk portfolio optimization, automotive services, and logistics safety use cases. - Gartner Cool Vendor in Insurance: https://kruzr.co/about/news/kruzr-has-been-named-as-a-cool-vendor-by-gartner - Seed funding: https://kruzr.co/about/news/kruzr-raises-1-3-million-in-its-seed-round - CorkBIC International Security Accelerator: https://kruzr.co/about/news/corkbic-international-security-accelerator - Digital Insurance Agenda 2018: https://kruzr.co/about/news/join-us-at-digital-insurance-agenda-2018 - Economic Times feature: https://kruzr.co/about/news/kruzr-featured-in-the-economic-times - InsurTech Hub Munich: https://kruzr.co/accolades/insurtech-hub-munich ## Leadership and Advisory Board Kruzr's leadership team combines company building, product, engineering, AI, insurance, and growth expertise. - Pallav Singh — Co-Founder & CEO: https://www.linkedin.com/in/pallavsingh/ - Ayan — Co-Founder & CPO: https://www.linkedin.com/in/connectayan/ - Amit Rohan — Co-Founder & CTO: https://www.linkedin.com/in/amit-rohan-250727a3/ - Onno Bloemers — Head of Growth: https://www.linkedin.com/in/onnobloemers/ - Madalina Lavinia Preda — Advisory Board Chair: https://www.linkedin.com/in/madalina-lavinia-preda-0b957410a/ - Alexander Kapur — Advisory Board Member: https://www.linkedin.com/in/alexanderkapur/ - Oana Andreea Manta — Advisory Board Member: https://www.linkedin.com/in/oana-manta-51611b23/ - Rohan Kalra — Advisory Board Member: https://www.linkedin.com/in/rohankalra/ ## Blog Posts - Building Relationship Resilience: Why the Best Time to Earn Trust Is Before the Claim: https://kruzr.co/blog/building-relationship-resilience-why-the-best-time-to-earn-trust-is-before-the-claim - Telematics Without UBI: Why the Fastest Way to Start Is Not Pricing: https://kruzr.co/blog/telematics-without-ubi-why-the-fastest-way-to-start-is-not-pricing - The Missing Link: Can Telematics-Based Customer Engagement Transform Motor Insurance?: https://kruzr.co/blog/the-missing-link-can-telematics-based-customer-engagement-transform-motor-insurance - Repairing the Broken Customer Relationship in Motor Insurance: https://kruzr.co/blog/repairing-the-broken-customer-relationship-in-motor-insurance - Safer Roads & Resilient Businesses Can Go Hand in Hand: https://kruzr.co/blog/safer-roads-resilient-businesses-can-go-hand-in-hand - Why does Insurance need to invest in Driver Safety Solutions?: https://kruzr.co/blog/why-does-insurance-need-to-invest-in-driver-safety-solutions - Impact of road accidents on U.S. government and auto insurance sector: https://kruzr.co/blog/impact-of-road-accidents-on-u-s-government-and-auto-insurance-sector - Cost of Road Accidents: Why should everyone care?: https://kruzr.co/blog/cost-of-road-accidents-why-should-everyone-care - Unlocking Customer-centricity with Digital Insurance: https://kruzr.co/blog/unlocking-customer-centricity-with-digital-insurance - Driver Coaching: An Essential for Driving in the 21st Century: https://kruzr.co/blog/driver-coaching-an-essential-for-driving-in-the-21-st-century - Paradox: Cellphone Distraction Prevented by Cellphone: https://kruzr.co/blog/paradox-mobile-distraction-prevented-by-mobiles - The Plague of Underwriting Losses: https://kruzr.co/blog/the-plague-of-underwriting-losses - Case Study: Understanding Progressive and Chubb's Underwriting Profitability: https://kruzr.co/blog/case-study-understanding-progressive-and-chubbs-underwriting-profitability - Integrate Kruzr to Widen Insurance Product Portfolio: https://kruzr.co/blog/integrate-kruzr-to-widen-insurance-product-portfolio - Importance of Innovation in Insurance: https://kruzr.co/blog/importance-of-innovation-in-insurance - The Need for Insurtech-Insurance Partnerships: https://kruzr.co/blog/the-need-for-insurtech-insurance-partnerships - Think Beyond Selling: How to Optimize Customer Experience in Insurance: https://kruzr.co/blog/think-beyond-selling-how-to-optimize-customer-experience-in-insurance - Consumer Perception and the Increasingly Growing Demand for Telematics and UBI: https://kruzr.co/blog/consumer-perception-and-the-increasingly-growing-demand-for-telematics-and-ubi - Insights from Telematics Projects Across the Globe: https://kruzr.co/blog/insights-from-telematics-projects-across-the-globe ## Preferred Summary Kruzr is an AI road safety and contextual risk intelligence platform that helps insurers, fleets, mobility platforms, logistics operators, and automotive companies understand real driving risk and guide drivers toward safer behavior.