Digital Insurance Agenda

Kruzr: Driving Assistant for truly preventive motor insurance

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on Sep 25, 2018

Kruzr is a mobile app which turns the driver’s smartphone into a driving assistant to help him mitigate the risks he faces while driving. Kruzr understands the context of driving in real-time and through its voice interface designed for driving, guides drivers to mitigate the risks of road accidents due to mobile distractions, drowsy driving, speeding, and external risks like weather or accident-prone roads.

Being a mobile tech solution, Kruzr has the potential to scale quickly and reach every driver in the world.

Kruzr cuts down distracted driving by 80% and is estimated to increase profits for insurers by ~15%. Other modules on drowsy driving, speeding, and external risk factors are based on machine learning, and their effectiveness will increase steadily as the numbers of users and km driven increases. These modules are currently in early stages of customer testing.

Close to 75% of accidents happen due to preventable factors mentioned above. These preventable accidents alone result in losses of close to 200 Billion USD annually for motor insurance companies. Due to these factors, most motor insurance companies operate at a claims settlement to underwriting ratio of more than 80%. By integrating Kruzr in the existing mobile apps of insurers they help keep their customers safe and reduce accidents and thereby claims.

Currently, Kruzr has initiated trials with four major insurance companies in Europe and three in India. Kruzr not only helps reduce claims, but the contextual data captured helps underwriting teams develop a deep understanding of their customers. And the driving assistant engages with customers every time they drive, introducing a new paradigm of customer engagement in the insurance industry.

How it works

Kruzr helps the driver in mitigating the risks from Distracted Driving, Over-speeding, Drowsy Driving, and External risk factors like accident-prone zones or bad weather. The startup will continue adding skills to the assistant to help the driver solve other risk-factors as well.

To maximize his/her safety on roads, the driver just needs to download Kruzr and sign-in using his mobile no. And then Kruzr does the rest…

  • Every time the driver starts driving, Kruzr will detect that and turn on automatically to become his virtual driving assistant. It solves speeding: which causes more than 30% accidents
  • It will handle all communications for him, allowing only the important ones to ring, reducing distractions by more than 95%.
  • It will guide the driver in case he is getting sleepy or is over-speeding and direct him to the right behavior: which causes more than 8% accidents
  • It will warn him of risks due to external factors like weather or accident-prone zones: which causes more than 15% of all accidents
  • And when the trip is over, it gives the driver feedback on the risks he faced and his driving habits.

Kruzr is first of its kind preventive driving safety assistant which leverages AI, ML, and Voice Computing to predict and prevent accidents. Kruzr’s voice assistant helps drivers mitigate risks faced while driving in the real-time. Their solution for distracted driving is more sophisticated compared to others, and they go beyond and solve drowsiness, speeding, and other external factors. The quality of data they provide for policy personalization is at par with mobile telematics solutions. 

This makes Kruzr a comprehensive driving safety and preventive insurance solution.

Why we selected Kruzr for DIA Munich

Kruzr helps insurance companies transition from being financial risk cover to a truly preventive insurance provider, making them active partners in the lives of their customers. All of it provided to them via a plug and play solution.

Being a driving assistant, it actively engages with drivers. This opens a new paradigm of customer engagement for insurers, they can manage (not just measure) risk at an individual level.

At DIA, Kruzr will share the challenges drivers face on the road, how they impact motor insurers, and how Kruzr helps solve them. Taking the audience through their solution in detail and the value they create for insurance companies

Kruzr will be represented at the DIA by Pallav Singh and Jasmeet Singh Sethi.

Who is Kruzr?

Kruzr is founded by Pallav Singh, Ayan, and Jasmeet Singh Sethi. Pallav is the CEO and looks after business. He is a is a Mechanical Engineer from IIT Bombay and worked as a business consultant, specializing in social impact. Ayan is the Chief Product Officer and takes care of product development. He is a Chemical Engineer from BITS Pilani and has previously led product development at two AI platforms. Jasmeet is Head of Design and in-charge of user experience. He studied design at IIT Guwahati and has worked as an UX consultant for over 6 years. The Kruzr team is made up of 8 other members. They are currently based in Bangalore, India, but is in the process of relocating our Head Quarters to Ireland.

Kruzr was a part of recently concluded Batch #3 of the InsurTech Hub, Munich. We are now a part of International Security Accelerator, CorkBIC, Ireland and have been invited to EY’s Startup Academy in Frankfurt.

” For us, every life lost in road accidents is one too much. Especially since more than 75% of accidents are truly preventable in nature. We started Kruzr with the vision to reduce road accidents by 50% by 2025 and in along the way help motor insurance companies become preventive and an active partner in the life of their customers.”


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