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Smart Driving Labs

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

Data & Analytics Growth Bootstrapped
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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

At a Glance

Founded
2013
Headquarters
Moscow, Russia
Employees
51-200
Funding
Bootstrapped

Category & Focus

Category
Data & Analytics
Subcategories
Telematics Usage-Based Insurance Driver Risk Scoring Fleet Management
Insurance Verticals
P&C Personal P&C Commercial
Target Customers
Carriers, Brokers

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)

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Last updated: 2026-05-18