01
We read how the vehicle is driven
Speed, harsh events, trip length and time of day, read from the vehicle's built-in telematics through the manufacturer.
Pay-As-You-Drive Insurance
Price the policy on how the car is actually driven
Trips, distance and driving behaviour come straight from the vehicle, so you set the premium on what it recorded.
They trust us
Pay-As-You-Drive Insurance
The data behind your pricing
Each vehicle reports its own trips. You decide what they are worth in a premium.
- 01
Risk scored on real trips
Each driver's risk is scored on the trips the vehicle recorded: distance, speed, time of day and harsh events.
- 02
You set the pricing rules
We supply the data from the vehicle. The pricing rules stay yours.
- 03
Nothing for the policyholder to declare
No mileage declaration to fill in, no photograph of the odometer to send. The vehicle reports its own use.
In detail
How Pay-As-You-Drive works
02
The data goes into your models
The Linkbycar API sends the data in real time to your pricing or claims system. What it does to the premium is your call.
03
Reward safer driving
Scores, alerts and trend reports you can use to coach drivers, handle claims and reward the careful ones.
FAQ · 03Common Questions
Common Questions
About pay-as-you-drive insurance
01Does Linkbycar provide insurance policies?
No. We provide the driving data and the scores built on it. Insurers use them to design and price their own policies.
02Can we integrate Linkbycar into our underwriting or claims system?
Yes. We provide REST APIs and webhooks for your underwriting and claims systems. Our team hands you authentication, endpoints and sample payloads when you integrate.
03Is there anything to fit in the vehicle?
In most cases, no. Across 30+ brands the data comes from the manufacturer, through the telematics unit already built into the vehicle.
Book a demo
See Linkbycar running in thirty minutes
Send us your plates or VINs. We come back vehicle by vehicle: which ones are compatible with manufacturer data, which ones need a box, and what data each one returns.
Thirty minutes with our team
We show you the platform live and answer your questions. Send us your plates and we tell you what each vehicle can report.
Nothing to fit on compatible vehicles
Compatible vehicles are activated remotely.* No workshop visit, no fitting, and no vehicle off the road.
No commitment
You keep the vehicle-by-vehicle answer whether or not you go further with us.
* Activation time depends on the manufacturer and can take up to 48 hours.
Request received.
We come back to you within 48 hours to set up the demo. Send us your plates or VINs and we tell you what each vehicle can report. If it is urgent, reply to the confirmation email and a person reads it.