SAIVE
Mobile telematics for usage-based insurance in Latin America and the US Hispanic market
Overview
SAIVE is a mobile telematics platform that enables insurers and OEMs to design and deploy usage-based insurance (UBI) products in Latin America and the US Hispanic market. The company operates also under the name Napify and was founded in 2017 in Mexico City.
The platform uses native smartphone sensors to measure driving behavior -- acceleration, braking, cornering, speed, and phone use -- and converts that data into a driver score. Insurers and OEMs can integrate the score via API to build PAYD (pay-as-you-drive), PHYD (pay-how-you-drive), or hybrid pricing models. SAIVE introduced a cash-back rewards model for safe driving, which has been a differentiator in the Latin American market since 2020.
SAIVE partners with US-based Sigo to deliver the first Spanish-language safe driving app for Hispanic and Latino drivers in the United States. The company counts Marsh and Chubb among its institutional backers, and was accelerated through Google Advantage Program (2018) and Puente Labs in Silicon Valley (2019).
Products & Services
Driver Score
Proprietary algorithm that measures driving behavior using smartphone sensors. Tracks acceleration, braking, speed, sharp turns, phone use, and late-night driving patterns. Trained on Latin American and US driving data.
Key Features
- Smartphone-based data capture (iOS and Android)
- Scoring across multiple risk dimensions
- API delivery to insurer and OEM platforms
Target Users: Auto insurers, MGAs, OEM partners
Driver Assistant
In-app coaching module that provides real-time driving feedback and personalized improvement recommendations to help drivers qualify for insurance discounts and rewards.
Key Features
- Real-time trip analysis
- Safety score history and trend tracking
- Rewards and points redeemable at partner merchants
Target Users: Policyholders and insured drivers
UBI Model Configurations
Pre-built actuarial model frameworks for PAYD, PHYD, and hybrid UBI product designs. Insurers can select a model type and configure thresholds to match their product needs.
Key Features
- PAYD: pricing based on mileage/distance
- PHYD: pricing based on driving behavior score
- Hybrid: combination of mileage and behavior
Target Users: Insurance carriers and MGAs building UBI products
Sigo Powered by SAIVE (Calles Seguras)
Spanish-language safe driving app for the US Hispanic market, built in partnership with Sigo. Includes real-time driving monitoring, hands-free operation, and a rewards program.
Key Features
- Fully Spanish-language interface
- Real-time behavioral monitoring
- Rewards redeemable at online stores and restaurants
Target Users: Hispanic and Latino drivers in the United States
At a Glance
- Founded
- 2017
- Headquarters
- Mexico City, Mexico
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Data & Analytics
- Subcategories
- Telematics Usage-Based Insurance Driver Scoring
- Insurance Verticals
- P&C Personal
- Target Customers
- Carriers, MGAs/MGUs
Customers
- Sigo (US Spanish-language auto insurer)
- Marsh
- Chubb
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Last updated: 2026-05-18