Kia Partners with LexisNexis for Telematics Insurance Push
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LexisNexis Risk Solutions has partnered with Kia Connect to integrate driving behaviour analytics into the Korean carmaker's mobile application across 27 European Union countries and the United Kingdom.
The collaboration will embed LexisNexis Drive Metrics scoring technology into Kia's consumer app, providing vehicle owners with risk-based driving assessments.
The system analyses driving patterns including speed, braking behaviour, acceleration and journey timing to generate individual risk profiles.
Kia owners can opt to share their driving scores with participating insurers through the platform, enabling carriers to adjust premiums based on actual driving behaviour rather than traditional demographic factors.
The partnership addresses growing demand for usage-based insurance products in European markets, where regulatory frameworks increasingly support data-driven pricing models.
Connected vehicle data represents a significant opportunity for insurers seeking to improve risk assessment accuracy, while reducing acquisition costs.
Data standardisation tackles industry barriers
The collaboration tackles persistent challenges in connected vehicle data utilisation that have limited insurer adoption of telematics programmes.
LexisNexis processes and standardises anonymised driving data from Kia Connect to create insurer-ready risk assessments that integrate directly into existing insurance technology systems.
The platform operates under GDPR compliance requirements, with Kia owners providing explicit consent before data collection begins.
Consumer privacy protections include anonymisation of personal data and transparent consent mechanisms within the Kia app interface, with users maintaining control over data sharing preferences.
Insurance market gains access to engaged consumers
"This collaboration empowers our customers with real-time driving insights while supporting the insurance industry with meaningful, privacy-conscious data to deliver tailored insurance solutions"
The partnership provides participating insurers with access to Kia's established app user base without requiring investment in proprietary telematics infrastructure.
This model reduces barriers to the usage-based insurance programme deployment for carriers lacking technical capabilities.
Insurers gain access to driving behaviour data from consumers who have already demonstrated engagement with connected vehicle services.
This pre-qualified audience represents a more receptive market for telematics-based insurance products compared to traditional cold acquisition methods.
Kia benefits from enhanced customer engagement through the app while creating additional revenue opportunities through insurance partnership arrangements.
The carmaker's existing app adoption rates provide a foundation for scaling the programme across European markets.
Market positioning amid EV transition
The partnership positions both companies to capitalise on changing consumer expectations around data-driven financial products.
Electric vehicle owners particularly demand transparent pricing models that reflect their actual usage patterns rather than traditional risk factors.
Connected vehicle data provides insurers with granular insights into driving behaviour that traditional telematics devices cannot capture.
The collaboration reflects broader industry trends toward financial services integration within automotive ecosystems, as carmakers increasingly view connected services as revenue diversification opportunities beyond traditional vehicle sales.
James Burton, managing director for Europe and UK insurance at LexisNexis Risk Solutions, says the partnership enables Kia owners to "proactively lower their cost of vehicle ownership" through improved driving behaviour.
"By embracing the use of their driving behaviour data, Kia owners can improve their driving behaviour," James says. "Additionally, Kia owners will have the option to share the scores with their insurer to personalise their insurance premium."
Olivier Pascal, head of connected cars at Kia Connect, says the collaboration represents "the next step in offering smarter, safer driving, and more personalised mobility".
"This collaboration empowers our customers with real-time driving insights while supporting the insurance industry with meaningful, privacy-conscious data to deliver tailored insurance solutions," Olivier says.
James Burton, Managing Director for Europe and UK insurance at LexisNexis Risk Solutions, says the partnership enables Kia owners to "proactively lower their cost of vehicle ownership" through improved driving behaviour.
"By embracing the use of their driving behaviour data, Kia owners can improve their driving behaviour," James says. "Additionally, Kia owners will have the option to share the scores with their insurer to personalise their insurance premium."
Market positioning amid EV transition
The partnership positions both companies to capitalise on changing consumer expectations around data-driven financial products.
Electric vehicle owners particularly demand transparent pricing models that reflect their actual usage patterns rather than traditional risk factors.
Connected vehicle data provides insurers with granular insights into driving behaviour that traditional telematics devices cannot capture.
The collaboration reflects broader industry trends toward financial services integration within automotive ecosystems, as carmakers increasingly view connected services as revenue diversification opportunities beyond traditional vehicle sales.
Olivier Pascal, Head of Connected Cars at Kia Connect, says the collaboration represents "the next step in offering smarter, safer driving, and more personalised mobility".
"This collaboration empowers our customers with real-time driving insights while supporting the insurance industry with meaningful, privacy-conscious data to deliver tailored insurance solutions," Olivier says.
