Telematics in India: Changing the Way Car Insurance Premiums are Calculated
Jun 05, 2025
New Delhi [India], June 5: Telematics is transforming car insurance in India by focusing on how and how much you drive. Instead of relying solely on traditional factors like your car model or location, insurers now assess real driving behaviour to set fairer premiums. With models like pay-as- you-drive (PAYD) and pay-how-you-drive (PHYD), safe and occasional drivers can enjoy lower costs. Telematics also helps reduce fraud, expedite claims, and enhance road safety. Though its adoption is growing, wider acceptance depends on awareness, affordability, and trust in data security.