Glossary term
Telematics (usage-based insurance)
Telematics (usage-based insurance): Pricing that uses measured driving data—mileage, braking, speed, time of day, phone use—collected by a device, connected car or app.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Pay-As-You-Go Car Insurance Works
The two models behind pay-as-you-go car insurance—pay-per-mile and behaviour-based telematics—how premiums are calculated, and how the devices and apps collect data.
Guide
Pay-Per-Mile vs Telematics: Which Saves More?
A direct comparison of pay-per-mile and behaviour-based telematics—who each suits, how savings differ, and whether you can combine them.
Guide
Privacy and Data in Pay-As-You-Go Insurance
What telematics devices and apps actually collect, how insurers use and share it, how long it is kept, and how to limit what you give up.
Guide
Pros and Cons of Pay-As-You-Go Car Insurance
A balanced assessment of pay-per-mile and telematics policies: savings, flexibility and feedback against variable bills, privacy, device hassles and surcharge risk.
Entry
What Driving Data Do Usage-Based and Telematics Car Insurers Track?
Understand exactly what driving data telematics and pay-as-you-go car insurers record, how devices gather it, and state rules governing driver privacy.
Entry
Is Pay-Per-Mile Car Insurance Worth It for Seniors and Retirees?
Learn how pay-per-mile car insurance works for retirees and senior drivers. See how reduced annual miles, base rates, and state rules affect your savings.
Entry
Telematics and Pay-Per-Mile Car Insurance for Young Drivers: Pros and Cons
Discover the pros and cons of telematics and pay-per-mile car insurance for young and teen drivers. Learn how driving scores and mileage impact premiums.