PanoScore: The Credit Score for Safer Driving
AI-powered, behavior-based scoring for driving risk—accurate, privacy-aware, and onboarding-free. Built for insurers, fleets, and drivers.
Smarter Risk Assessment for Insurers
Instant Risk Scoring
Get a PanoScore for new policy applicants during underwriting.
Risk Segmentation
Refine pricing with real-world driving behavior analytics.
Portfolio Risk Control
Monitor, alert and coach existing policyholders to reduce claims.
Historical Trends
Track incidents and near-misses to understand risk patterns over time.
Reduce Risk, Optimize Fleet Performance
Driver & Vehicle PanoScores
Assess individual and fleet-wide risk.
Incident Tracking
Flag and analyze high-risk driving behaviors.
Insurance Savings
Negotiate lower premiums with real risk data.
Safe Driver Certification
Reward safe drivers and improve compliance.
Know Your Score. Improve Your Driving.
Check Your PanoScore
See how your driving is assessed.
Better Insurance Rates
Improve your score for better premiums.
Dispute Events
Challenge any incorrect assessments.
Earn PanoCap* Credits
Get rewarded for safe driving.
How It Works
AI-Powered Risk Scoring from Actual Driving Behaviors
Crowdsourced Dashcam Footage
Incidents and near-misses are recorded by third-party dashcams.
AI Analysis & Behavior Detection
Risky driving events and behaviors are detected and analyzed.
PanoScore Computation
Scores update dynamically based on behavior type and context.
Insights & Actions
Make smarter decisions with detailed risk and behavior reports.
Privacy-First: No Tracking, No Surprises.
Driver Consent First
No data is shared or used without permission. PanoScore operates on an opt-in, transparent model where drivers and fleets control their data.
Anonymized, Privacy-Preserving Insights
No GPS tracking, no raw footage sharing. PanoScore extracts only high-risk driving behaviors while ensuring personal details remain private.
True Behavior-Based Insurance
Most Usage-Based Insurance (UBI) systems rely on indirect signals like mileage, speed, location, and braking—continuously collected, leading to inaccurate risk assessment, privacy concerns, and dependence on drivers to enroll and install hardware devices or mobile apps. PanoScore enables behavior-based insurance (BBI) using crowdsourced third-party dashcam footage, capturing only high-risk driving behaviors on public roads while ensuring accuracy, privacy, and frictionless onboarding.
| Comparison | PanoScore BBI | Traditional UBI |
|---|---|---|
| Accuracy | Direct behavioral evidence | Indirect usage-based signals |
| Privacy | Only risk-related behaviors recorded | Continuous tracking (e.g., location) |
| Onboarding | Onboarding-free, no first-party devices | Requires special hardware or apps |
Choose the Right Plan for You
Insurers
API & Hub Access
Fleets
Hub Access
Drivers
Score Dashboard
⭐ Trusted by insurers, fleet operators, and a growing community of drivers.