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Telematics Technologies

Device-agnostic telematics platform for Usage-Based Insurance

Data & Analytics Established Bootstrapped
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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

At a Glance

Founded
2005
Headquarters
Warsaw, Poland
Employees
51-200
Funding
Bootstrapped

Category & Focus

Category
Data & Analytics
Subcategories
Telematics Usage-Based Insurance Fleet Management
Insurance Verticals
P&C Personal
Target Customers
Carriers

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

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Last updated: 2026-05-18