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Actuarial pack
Portfolio-level behavioural exposure for underwriting — fleet, kilometres, risk distribution and per-driver loss indicators, refreshed live from the blackbox network.
📊 Portfolio
Fleet size
—
insured units on telematics
Total exposure
—
kilometres observed
Portfolio risk score
—
0–100 · higher is safer
Risk distribution
Safe 0Watch 0At-risk 0
🏷 Risk bands — underwriting view
Preferred
—
Consistently low harsh-event frequency per 100 km and high behavioural scores. Candidates for preferred-tier rating and lower excess.
Indicative premium modifier: −15%
Standard
—
Book-average behavioural profile. Standard rating with quarterly review; telematics coaching expected to migrate units toward Preferred.
Indicative premium modifier: 0%
High-risk
—
Elevated harsh-event frequency and/or incident history. Suggest loading, higher excess, or remediation-conditional cover.
Indicative premium modifier: +25%
Premium modifiers are indicative, illustrative only — final rating, terms and acceptance sit entirely with the underwriter.
🚕 Drivers
Plate
Driver
Score
Km
Harsh/100km
Risk band
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⚖️ Honest rail: Advisory behavioural data for underwriting — not a certified actuarial report; scores inform pricing, they don't certify safety. POPIA: personal driver data, purpose-limited to insurance rating and coaching.