LexisNexis Risk Solutions has formed a strategic partnership with Kia Connect to enhance the connected vehicle ecosystem available to Kia owners across 27 countries in the European Union and the United Kingdom. This collaboration centres on integrating LexisNexis’s Drive Metrics scoring model into Kia’s updated app, Kia App, to provide drivers with a consumer-friendly, risk-based driving score. The initiative aims to empower drivers by offering deeper insights into their driving behaviour, ultimately fostering safer habits and enabling personalised insurance premiums.
The Drive Metrics score included within the Kia App assesses various driving behaviours such as speeding, hard braking, acceleration patterns, time of day, and mileage. By delivering real-time feedback and tailored coaching tips, the system encourages drivers to adjust their habits. This has the potential not only to improve road safety but also to reduce insurance costs and enhance vehicle efficiency. Participating insurers connected through Kia will, with the driver’s consent, receive these scores to refine their risk assessments and offer more personalised insurance pricing models.
James Burton, managing director for Europe and the UK at LexisNexis Risk Solutions, described the collaboration as a significant step towards helping Kia owners manage the cost of vehicle ownership proactively. He highlighted that by embracing driving behaviour data, owners can improve their driving practices and share their scores with insurers to tailor insurance premiums more accurately.
The partnership addresses some key challenges faced by automakers and insurers in leveraging connected car data effectively. One such challenge is the lack of standardised data formats, which complicates underwriting processes for insurers. LexisNexis Risk Solutions mitigates this by normalising and standardising the anonymised driving data collected via Kia Connect, turning it into insurer-ready insights. Additionally, the collaboration strictly adheres to privacy regulations, including the General Data Protection Regulation (GDPR). The Kia App requires explicit consumer consent before any personal data is collected, ensuring transparency and compliance with data protection laws.
The use of connected car data stands to benefit all parties involved. For consumers, there is the promise of cost savings through behaviour-driven insurance rates and safer driving. Insurers can improve risk segmentation and customer retention by accessing engaged users of the Kia App without the overhead of developing their own usage-based insurance programmes. Automakers like Kia benefit through enriched customer engagement, offering drivers a smarter and safer mobility experience.
Olivier Pascal, head of connected cars at Kia Connect, emphasises that integrating the Drive Metrics scoring service is an advancement toward smarter, safer driving and more personalised mobility solutions. He notes that providing consumers and insurers with privacy-conscious driving insights represents a significant win for the future of connected mobility.
Industry observers comment that as connected vehicle data becomes a priority, companies able to translate driving behaviour into actionable insights will gain a competitive edge. This is particularly relevant given the rising consumer expectations around personalisation, transparency, and cost efficiency, especially among electric vehicle owners.
Looking ahead, this initiative serves as a stepping stone in a broader transformation toward data-driven risk assessment across automotive and insurance sectors. LexisNexis Risk Solutions has reaffirmed its commitment to innovating and expanding its risk-based offerings as connected vehicle technologies evolve.
In parallel, Kia ensures robust data protection practices as outlined in its UK Privacy Policy. The policy underscores the company’s commitment to transparency, detailing how personal data is collected, shared, and safeguarded in compliance with GDPR. This focus on data privacy aligns with the connected service’s approach of securing customer consent and handling data responsibly.
Together, these efforts exemplify a growing trend in leveraging connected vehicle data to enhance driver experience, insurance customisation, and automotive industry innovation, while maintaining a strong emphasis on consumer privacy and regulatory compliance.
Source: Noah Wire Services
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