<h1>Usage-based car insurance using telematics issues driving scores to personalise premiums and provide real-time crash response.</h1> Zuno SmartDrive is an app-led usage-based insurance product that uses mobile telematics to record driving behaviour, issue a five-day driving score that unlocks discounts and benefits, and segments risk for personalised pricing. The model identifies harsh braking and rapid acceleration as primary predictors of higher claims exposure, treats behaviour rather than geography or vehicle type as the main underwriting signal, and includes real-time crash detection to trigger emergency support and priority claims handling.