UBI insurance solution provided by Wanway solves the comprehensive consideration of premium concessions for safer driver behavior

As a new type of insurance in the big data era, UBI is the main product form of internet of vehicles insurance. It can be understood as giving auto owners discounts based on driving behavior diagnosis, or paying mileage fee based on actual driving mileage. The driver's driving habits, driving technology, vehicle information and surrounding environment are integrated through the Internet of Vehicles, smart phones ,OBD and other connected devices to establish a multi-dimensional model of people, cars and roads (or environment) for pricing.

UBI Insurance Problems

Driving Behavior Evaluation

Insurance companies want to directly detect and evaluate driving behaviors rather than bring about a reorganization of risk understanding through indicators used in traditional policies.

Vehicle Condition Record

How to collect driving behavior, get information about where the accident happened, and analyze the cause of the abnormal failure.

Safe Driver Behavior Judgement

In order to regulate the driving behavior of drivers and respond to civilized driving standards, it is necessary to judge whether the driver is driving safely and then give insurance drivers discount.

Vehicle Driving Data Obtention

Collect and store the latest bad driving trip data for analysis including total driving time, mileage, fuel consumption, average fuel consumption, average speed, maximum speed, and number of rapid acceleration and deceleration.

Benefit from WanWayTech Solution

Tracking and Report


The tracking function can locate all vehicles and equipment, obtain position and status information, and facilitate staff to reasonably dispatch resources and improve efficiency. Track playback can view the vehicle's driving records over a period of time, which is very useful for optimizing vehicle routes and analyzing abnormal driving trajectories. By integrating vehicle information, the platform also provides you with a complete set of visual reports to build a data foundation for vehicle management.



The function of the electronic fence is that when the vehicle leaves the preset safe area, the platform will immediately provide alarm information. It can also be set to report early warning information when entering a dangerous area.

Driver Behavior Analysis


Data statistics and reasonable analysis of driver's fatigue driving time, night driving time, mileage and speeding, rapid acceleration, rapid deceleration and other behaviors.

Functions Needed

Real-time Tracking

GPS/BDS/LBS positioning, master vehicle location information in time.

Trace Playback

History playback for 270 days, easily to get vehicle mileage, locations and other data.

User Define Geo-fence

Support circle, polygon or customized safety or risk area presetting

Alarm Notification

Various alarm setting and protecting notification upload

Fuel Detection

Detect vehicle fuel consumption condition


Analysis Report

Collect all the vehicles data and form a visual analysis report

UBI insurance partners:

PIC Insurance Co., Ltd

Cooperation results

•Optimization of driver's dangerous driving behavior
•Eliminating hidden dangers to vehicle safety before driving
•Instant reminder of dangerous situations during driving
•Data record playback after an accident facilitates division of responsibility for the accident