Influence of telematics of ubi insurance on the management of the fleet of company vehicles

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The advent and development of connected technologies and the adaptation of large collections of data are changing the face of all industries. A technological area that is gaining more and more in the era of automation and digitization of processes is the scope of utility telematics used mainly in the transport industry. The use of devices based on telematics technology allows for effective management of the vehicle fleet. The information collected and processed by the algorithm makes it possible to increase productivity, reduce costs and increase the safety of business fleets. One of the developing global trends is the use of telematics in the insurance industry to improve the area of risk assessment, and thus to better match the offer to a specific entity. The data flow between an insurer and their customers is growing exponentially, making the need for big data adaptation a cornerstone in the insurer's technological landscape. The aim of the article is to present the results of questionnaire studies presenting the driver's assessment before and after installing telematics devices on board the vehicle. The studies indicate the need to deal with aggressive business fleet drivers and their driving behaviour that has an impact on incidents and traffic incidents when traversing short- and long-haul routes. The comprehensive survey is also used to propose a solution that detects the risks posed by unsafe driving incidents on the road, taking into account the behavioural and emotional factors of the driver. The results of these studies will help the insurance industry to assess driving risks more accurately and propose a personalized premium calculation solution based on driver behaviour, which is most important for loss prevention in business fleets