Miso Solutions
Telematics-based InsurTech enabler powering behaviour-based motor insurance in Southeast Asia
Overview
Miso Solutions is a telematics and usage-based insurance (UBI) platform provider for motor insurers in Southeast Asia, primarily targeting carriers seeking to offer behaviour-based insurance products. The company launched Thailand's first telematics-based motor insurance mobile sales platform in 2021, operating under a "Pay How You Drive" model that prices coverage according to individual driving behaviour rather than demographic proxies.
The core platform combines a mobile app with telematics data collection, scoring drivers across indicators such as acceleration, braking, cornering, speeding, and phone usage. Insurers can deploy the technology through a consumer-facing app or via a white-label version branded under their own identity. Miso also offers adjacent services including customer segmentation, digital conversion tools, and market consultation for carriers looking to expand into digital and UBI channels in Southeast Asia.
Miso's platform has received Board of Investment approval in Thailand and the application has received Office of Insurance Commission approval. The company distributes motor insurance products underwritten by Chubb Samaggi Insurance PCL and uses Amodo's telematics infrastructure for driving behaviour data collection.
Products & Services
Miso Insure App
A consumer-facing mobile telematics application implementing a "Qualify to Buy" (QTB) process. Prospective customers complete 15 trips or 150 kilometres while the app tracks driving behaviour. Upon qualifying, users receive a 1-to-6 star rating and a personalised motor insurance quote with discounts of up to 50% for top-rated drivers. Available on Google Play Store and Apple App Store in Thailand.
Key Features
- Tracks acceleration, braking, cornering, speeding, phone usage, distance, and driving time
- Star-based risk scoring (1-6 stars) tied directly to premium discounts
- Distribute and bind motor insurance through in-app checkout
Target Users: Individual motor insurance consumers in Thailand
White Label InsurTech Platform
A white-label edition of the Miso telematics platform that insurance carriers can deploy under their own brand. Allows carriers to offer behaviour-based motor insurance products without building proprietary telematics infrastructure.
Key Features
- Carrier-branded mobile app and customer experience
- Full driving behaviour data collection and risk scoring
- Configurable premium discount tiers
Target Users: Motor insurance carriers in Southeast Asia
Segmented Strategies
Customer profiling service using real-time digital analytics, on-the-ground research, and historical data to help insurers understand and segment their digital customer base for targeted product strategies.
Target Users: Insurance carriers and product managers
Conversion Hacking
Digital platform tools designed to convert digital prospects into paying insurance customers, improving top-of-funnel conversion rates for online insurance distribution.
Target Users: Insurance carriers with digital distribution channels
Risk Profiling & Analytics
Driving behaviour tracking and UBI proposition development services for carriers entering the usage-based insurance market, including actuarial guidance and risk model configuration.
Target Users: Motor insurance carriers launching or expanding UBI programs
At a Glance
- Founded
- 2021
- Headquarters
- Bangkok, Thailand
- Employees
- 1-10
- Funding
- Bootstrapped
Category & Focus
- Category
- Data & Analytics
- Subcategories
- Telematics Usage-Based Insurance Customer Profiling
- Insurance Verticals
- P&C Personal
- Target Customers
- Carriers
Customers
- Chubb Samaggi Insurance PCL -- distribution and underwriting partner; Miso's QTB platform distributes Chubb Samaggi's motor product
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Last updated: 2026-06-03