# Smart Driving Labs

> Connected car and telematics platform enabling usage\-based insurance programs for carriers and fleet operators

## At a glance

| Field | Value |
| --- | --- |
| Category | Data & Analytics |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Moscow, Russia |
| Founded | 2013 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Bootstrapped |

## Overview

Smart Driving Labs is a telematics and connected car software provider that delivers usage-based insurance (UBI) technology to carriers and automotive stakeholders across EMEA and Latin America. The company integrates vehicle data, driving behavior analytics, and insurance workflows into a unified platform serving insurers, automakers, fleet operators, and dealers.

The core platform collects real-time driving behavior data through hardware devices and mobile applications, feeding scoring and risk assessment systems for insurance carriers. Insurers using the platform can offer premium discounts -- reportedly up to 80% on Casco policies -- to policyholders enrolled in UBI programs. The platform is accredited by major insurance companies and supports integration with insurer back-office systems.

Smart Driving Labs serves a customer base that includes several of Russia's major non-life carriers, including INGOS, Alfastrah, Sogaz, and RGS. The company maintains operations in Russia, Kazakhstan, Belarus, and Brazil, and publishes annual telematics research under the "Driving" series.

## Products & services

### Element \(Elementt\)

A connected vehicle management and protection system available via iOS, Android, and Huawei AppGallery. The device and application collect real-time driving behavior data and transmit it to insurer systems for UBI program administration.

**Key features:**

- Real\-time driving behavior tracking and transmission
- Usage\-based insurance integration with carrier systems
- Mobile app available on iOS, Android, and Huawei AppGallery
- Emergency call \(E\-Call / ERA\-GLONASS\) integration

*Target users:* Car owners participating in UBI programs through insurer partners

### Atlas Scoring

A driver risk assessment and scoring engine for insurance carriers. Enables data-driven underwriting and premium calculation based on actual driving behavior rather than demographic proxies.

**Key features:**

- Behavioral risk scoring from telematics data
- Integration with carrier underwriting systems
- Supports tiered discount structures for UBI products

*Target users:* Insurance carriers and underwriters

### Atlas Park

A fleet monitoring and management platform for enterprise and commercial operators. Provides real-time vehicle visibility and operational control for fleet-dependent organizations.

**Key features:**

- Real\-time fleet tracking and monitoring
- Vehicle health and performance reporting
- Operational management dashboards

*Target users:* Fleet operators and enterprise vehicle managers

### Atlas Dealer

A customer retention and engagement platform for auto dealers. Integrates with dealership operations to support post-sale customer relationships.

**Key features:**

- Post\-sale customer engagement tools
- Integration with dealership CRM and operations
- Connected car services for dealer networks

*Target users:* Automobile dealers and dealership groups

### ERA\-GLONASS / E\-Call

An emergency call connected car solution providing safety and emergency response integration. Based on the Russian GLONASS satellite navigation system and European E-Call standard.

**Key features:**

- Automatic emergency call triggering on collision detection
- Integration with emergency response infrastructure
- Regulatory compliance for markets requiring ERA\-GLONASS

*Target users:* Automakers and vehicle operators in Russia and compliant markets

## Category & focus

- Subcategories: Telematics, Usage\-Based Insurance, Driver Risk Scoring, Fleet Management
- Insurance verticals: P&C Personal, P&C Commercial
- Target customers: Carriers, Brokers

## Notable customers

- INGOS \(Russian non\-life insurer\)
- Alfastrah \(Russian non\-life insurer\)
- Sogaz \(Russian non\-life insurer\)
- RGS \(Russian non\-life insurer\)
- LADA \(Automaker\)
- BMW Motorrad \(Automaker\)

## Links

- Website: <https://smartdriving.io>
- Directory profile: <https://insurtechlist.com/companies/smart-driving-labs/>
- Blog: <https://medium.com/smart-driving-labs>
- Linkedin: <https://www.linkedin.com/company/smartdrivinglabs/>

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*Last updated: 2026\-05\-18*