Creating a new Business Stream with msg.IoTA

The private car insurance market is very competitive, yet many of the premium calculation models are static and outdated. Progression in the digital transformation and entering the IoT age of car insurance requires deep knowledge in business and IT. msg global solutions provided just that at a recent engagement with Swiss Mobiliar. Looking to provide a new way to attract young drivers, Swiss Mobiliar needed guidance to implement a new Usage Based Insurance tariff based on driving behavior. msg global solution provided an end-to-end solution which records, analyzes and then scores the driving behavior with as little manual intervention as possible. With innovative technology, msg global ensured a modernized system to handle growth and expansion.

Project Details

Project Overview

  • In 2017 Swiss Mobiliar wanted a new way to assess car insurance tariffs for their customers
  • Premiums to be based on individuals driving behavior


  • Inflexible insurance premiums, based on vague groupings (age, gender, home town)
  • Lack of ability to tailor individual premiums
  • Device performance and reliability & system stability
  • Data amount and quality


msg.IoTA and Clever Drive App:

  • Integrated end-to-end solution
  • Data transformation, trip data enriched with location and policy data
  • Eliminated outdated premium systems through rationalized scoring models of each driver


  • Fast implementation ahead on schedule
  • Models created and updated by Swiss Mobiliar
  • Created a modern platform with increased opportunity for operational excellence
  • Flexible and scalable solution allowing for further growth and expansion

Why msg global

  • Strategic focus on the insurance market
  • Long-term commitment to a stable, efficient platform
  • Ability to effectively manage complex digitalization transformations
  • Global leadership in the Insurance industry


Swiss Mobiliar logo

As Promised

Project Delivered On Time
and On Budget


New Customer Stream Through Innovative Technology


Teamwork Across the Globe

Statement from Patric Deflorin, Managing Director, Head of Insurance

"The msg global team developed a great standardized industry solution together with Swiss Mobiliar. They partnered effectively with our insurance leader and IT team. The implementation was timely and efficient and challenges were resolved in an effective and reliable manner."

Swiss Mobiliar, a division of
the Mobiliar Cooperation

Bern, Switzerland


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