# Telematics Technologies

> Device\-agnostic telematics platform for Usage\-Based Insurance

## At a glance

| Field | Value |
| --- | --- |
| Category | Data & Analytics |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Warsaw, Poland |
| Founded | 2005 |
| Stage | Established |
| Employees | 51-200 |
| Funding | Bootstrapped |

## Overview

Telematics Technologies (operating as Emapa Telematics sp. z o.o. since December 2025) is a telematics data and analytics platform provider for insurance carriers, specializing in Usage-Based Insurance (UBI) in the P&C auto segment. Founded in 2005 and headquartered in Warsaw, Poland, the company pioneered UBI implementation in Poland through its partnership with LINK4 (PZU Group), and has since expanded its platform across Central and Eastern Europe.

The core product, NaviExpert Pulse, is a device-agnostic telematics platform delivered via API and SDK. It collects and processes driving behavior data from mobile devices, OBD dongles, and OEM vehicle systems to support Pay-How-You-Drive (PHYD) and Pay-As-You-Drive (PAYD) pricing models. The platform includes accident detection and reconstruction capabilities, and integrates with policy administration, CRM, and billing systems. Alongside its insurance offering, the company provides fleet management, route optimization, and consumer navigation software built on in-house mapping and location technology.

Emapa Telematics employs approximately 80 professionals across Warsaw, Poznan, and Lodz. The company is privately held with OPTIGIS SA as majority shareholder. Its customer base spans insurance carriers, major Polish telecommunications operators, and logistics firms including DHL, Poczta Polska, and Orange.

## Products & services

### NaviExpert Pulse \(UBI Platform\)

Device-agnostic telematics platform for insurance carriers to analyze driving behavior and manage UBI programs. Supports PHYD and PAYD models and includes accident detection and reconstruction.

**Key features:**

- Driving behavior scoring from mobile, OBD, and OEM data sources
- Accident detection and reconstruction for claims initiation
- API integration with policy administration, CRM, and billing systems

*Target users:* P&C auto insurance carriers

### NaviExpert Telematics \(Fleet Management\)

Fleet monitoring system offering real-time GPS tracking, driver behavior analysis, fuel consumption monitoring, vehicle diagnostics, and cost analysis for commercial operators.

**Key features:**

- Real\-time GPS tracking and driver behavior monitoring
- Fuel consumption and vehicle diagnostics reporting
- ERP and TMS system integration

*Target users:* Commercial fleet operators, logistics companies

### MAPGO \(Route Optimization\)

Route planning and optimization tool for logistics operators. Handles planning of large daily route volumes using Vehicle Routing Problem (VRP) algorithms with support for time windows and fleet constraints.

**Key features:**

- VRP\-based route optimization for hundreds of routes daily
- Time window and fleet capacity constraints
- Multiple delivery priority support

*Target users:* Logistics and delivery operators

### EMAPA Web Router \(Route Costing\)

Web-based routing and cost calculation engine for European logistics. Computes route costs including road tolls and vehicle parameters across multiple route options.

**Key features:**

- Route cost calculation including tolls for personal, commercial, and HGV vehicles
- Multiple route options \(shortest, fastest, cheapest\)
- European road network coverage

*Target users:* Transportation and logistics companies

### Mapping & Data Services \(Emapa Platform\)

Core location data infrastructure with current maps of Poland and the EU, geocoding, routing, POI data, and real-time traffic information. Available as API and SDK for third-party integration.

**Key features:**

- Geocoding, routing, and POI data for Poland and EU
- Real\-time traffic information
- API and SDK delivery for integration into third\-party applications

*Target users:* Telecommunications operators, software developers, logistics firms

## Category & focus

- Subcategories: Telematics, Usage\-Based Insurance, Fleet Management
- Insurance verticals: P&C Personal
- Target customers: Carriers

## Notable customers

- PZU Group \(Poland's largest insurance group\)
- LINK4 \(PZU subsidiary, first UBI implementation in Poland\)
- Orange, Play, Plus, T\-Mobile \(major Polish telecommunications operators\)
- DHL, Poczta Polska, Orlen, UPS

## Links

- Website: <https://emapatelematics.pl/>
- Directory profile: <https://insurtechlist.com/companies/telematics-technologies/>
- Blog: <https://emapatelematics.pl/blog/>
- Mapgo: <https://mapgo.pl/>
- Careers: <https://emapatelematics.pl/praca/>
- Linkedin: <https://linkedin.com/company/telematicstechnologies/>
- Web router: <https://webrouter.emapa.pl/>
- Ubi solutions: <https://emapatelematics.pl/ubezpieczenia/>
- Emapa platform: <https://emapa.pl/>
- Navigation app: <https://www.naviexpert.pl/>
- Developers / api: <https://emapatelematics.pl/developers/>
- Fleet management: <https://telematics.naviexpert.pl/>

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