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Sentiance

On-device behavioral intelligence for usage-based insurance and mobility risk

Data & Analytics Growth Series B
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Overview

Sentiance is a behavioral intelligence platform for the insurance and mobility industries, enabling carriers and app developers to analyze driving behavior, detect crashes, and build usage-based insurance (UBI) programs using on-device AI. The company specializes in processing mobile sensor data directly on the device -- without sending raw data to the cloud -- delivering privacy-compliant insights into how people move, drive, and live. Its SDK and APIs integrate into mobile applications for motor insurers, gig economy platforms, and transportation operators.

The company's core technology stack combines accelerometer, gyroscope, GPS, and contextual data to classify transportation modes, evaluate driving quality, detect distracted driving, and identify crash incidents in real time. All processing occurs on the device, making Sentiance compliant with GDPR and suitable for privacy-sensitive deployments. The platform holds ISO 27001, ISO 27701, and SOC 2 certifications.

Founded in 2011 and headquartered in Antwerp, Sentiance has raised approximately USD 28-36M across multiple rounds. The company counts Uber, Beneva, Marshmallow, the Royal Automobile Club of Western Australia (RAC), and Absa among its customers. In 2024 it acquired DRVR, a Bangkok-based telematics company focused on motorcycle and road safety markets in Asia.

Products & Services

Driving Insights

Real-time analysis of individual driving behavior, evaluating acceleration, braking, turning, cornering, and speed patterns. Used by insurers to score risk, build UBI pricing models, and deliver driver coaching.

Key Features

  • Per-trip scoring and behavioral segmentation
  • On-device processing with low battery and bandwidth impact
  • Integration with insurer policy and engagement platforms

Target Users: Motor carriers, UBI program operators, gig economy platforms

Crash Detection

Incident identification that detects vehicle collisions in real time using mobile sensor fusion. Supports rapid FNOL, claims triage, and fraud detection.

Key Features

  • Real-time crash event detection without external hardware
  • 4x faster claim resolution reported by customers
  • Evidence capture for claims adjudication

Target Users: Motor carriers, claims teams

Distraction Detection

Behavioral coaching technology that identifies distracted driving patterns, including phone use and attention lapses. Used in consumer-facing apps with insurer or fleet operator backends.

Key Features

  • In-trip distraction alerts and post-trip summaries
  • 60% reduction in distracted driving incidents achieved by RAC's Safer Driver app
  • Configurable feedback and coaching workflows

Target Users: Motor carriers, fleet managers, telematics app developers

Mobility Insights

Transportation mode classification that identifies whether users are driving, cycling, walking, or using public transit. Enables hyper-personalized insurance products based on mobility patterns.

Key Features

  • Multi-modal transport detection
  • Lifestyle segmentation for insurance underwriting and product personalization
  • Up to 8x ROI potential cited in carrier deployments

Target Users: Motor and mobility insurers, product development teams

Lifestyle Insights

Behavioral analysis of mobility and activity patterns for insurance risk profiling. Augments traditional underwriting with behavioral data sourced from the mobile device.

Key Features

  • Lifestyle scoring beyond driving behavior
  • Non-driving activity classification
  • Privacy-by-design architecture

Target Users: Carriers pursuing personalized or lifestyle-based product lines

Engagement Platform

Tools for building personalized user engagement workflows within insurer or platform apps. Supports incentive programs, challenges, and behavioral nudges tied to sensor-derived insights.

Key Features

  • Configurable challenge and reward mechanics
  • Integration with UBI scoring outputs
  • SDK-based implementation for mobile app teams

Target Users: Carriers and platform operators focused on customer retention and loss prevention

At a Glance

Founded
2011
Headquarters
Antwerp, Belgium
Employees
11-50
Funding
Series B

Category & Focus

Category
Data & Analytics
Subcategories
Telematics Behavioral Intelligence Usage-Based Insurance Crash Detection
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Carriers, MGAs/MGUs

Customers

  • Beneva (Canadian insurer)
  • Marshmallow (UK auto insurer)
  • Royal Automobile Club of Western Australia (RAC)
  • Absa (South African insurer)
  • RISK (Netherlands-based MGA, UBI products)
  • Uber (rideshare platform)
  • Talabat (delivery platform)
  • Transjakarta (public transit authority, Indonesia)

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Last updated: 2026-05-18