1) StartCASCO is a telematic solution that provides usage-based insurance products using digital technologies like mobile apps and telematic devices in vehicles. 2) It allows for pay-as-you-drive insurance where customers only pay for the time or days they use their vehicle, avoiding paying when not driving. 3) StartCASCO's platform collects driving data to analyze individual driving styles and risk, provides accident forecasts and maps, and enables insurance companies to offer customized and on-demand insurance products.

1. StartCASCO: Telematic solution
for Usage-Based Insurance products worldwide
May 2018

2. ON-DEMAND INSURANCE
A new approach to insurance with the use of digital technologies
7
Millions of potential
policyholders
(depending on the market size)
Per minute and
daily insurance
rates
Insurance
Company
"Don't pay for the air":
- I don't pay when I don't use the car
- Insure only those trips / days that I want
Payment after Service. Saving.
Easy input and convenient usage of the
service:
- FREE Mobile App
- Without additional devices
- On-line service
New customers for a new type of
car insurance
Improving the economic indexes by
attracting accident-free drivers
Access to the Service
Payment for services
Audience capture
Accident-free drivers identification

3. STARTCASCO PLATFORM AT A GLANCE
R-Telematica (http://r-telematica.ru/en/) – developer, integrator and operator of the complex
telematics systems with more than 10 year experience servicing the insurance companies.
Smartphone
telematic device
in car
interface for insurance co.
• Smart insurance products
• Individual tariffs / discounts
• New clients
• Risk management
• Portfolio improvement
or
R-Telematica invites insurance companies, insurance brokers and their technological partners to
use StartCASCO platform on country- or region-based licensing.
It takes 3-4 months to launch StartCASCO platform
in any country of the world, depending on road
network.
• Evaluation of individual driving style.
• Registration and analysis of accidents.
• Country-wide road maps with dynamic accident
forecast for each part of the road.
• Safe route(s) recommendations.
UBI Platform
9

4. SERVICES FOR INSURANCE COMPANIES, INSURANCE
BROKERS AND THEIR TECHNOLOGICAL PARTNERS
Web-interface and
mobile app for insurance
company
* Technological partner could be R-Telematica or other qualified
company at the partner’s choice, depending on license type.
Source data:
- from telematic
device in car
or
- from
smartphone
Insurance company
/ Broker
- Smart insurance products
«Pay how you drive»
- New insurance products
«Insurance-on-demand»
«Pay when you drive &
how
you drive»
Risk minimizing
Insurance portfolio
improvement
New clients
Returned clients
Insurance-on-
demand
Personal
driving style
information
Accident
registration
and analysis
On-demand
reports
Safe route
optimizatio
n
Car on-
board
diagnostics
(OBD)
Technological partner *
Technical support
Platform development
10
UBI Platform

5. STARTCASCO ON-DEMAND INSURANCE
11
Project current status. Technology and software
Mobile app "StartCASCO"
access to the service
Prediction of the accident, accident-free drivers identification
On-line insurance
On-line payment
Demo mode
Data transfer to
driving security
evaluation
Accident map
Accidprediction for the area for some period.
Prediction of ent accident in some area of road.
Static data for calculation
Carriageway width
The number of lines
Speed rate
One/two road way
The existance of bus line
Crosses and junctions types
Junction type
Road infrostracher objects
(bus stations, crosswolks)
Bridges, tunnels
Visability
Road top rake
Static data for calculation
Dinamic data for calculation
Traffic rate
Season and part of the day
Weather condition
Dinamic road data (accidents,
repair works, road blocks)
Accident statistics for
Statistics data for calculations
Accident statistics for
Assessment
of the driving
behavior
Estimating the probability of
the particular driver meeting
with an accident, based on
the manner of car operation,
taking into account the
accident rate maps.
Calculation data
Aceleration and slowdown
Longness
Speed at time moment Speed
rate breach
Trip time Covered distance

6. STARTCASCO ON-DEMAND INSURANCE
12
Case 1. One trip insurance. Per-minute insurance
Calculation of basic
insurance rate
The calculation of the
individual insurance rate
Beginning and end of
providing services
Calculation of service
price
Accident map is in the base of the
calculations. Unice technology of
the amount of accidents for today
based on calculations of the
chances for accident on every part
of the road
City
accident
rate
Price for
one minute
Driving
behavior
Price for
one minute
Taken into account the accumulated
historical data on the safety of driving
fear for the period.
Using historical data on driving style to
the promotion of accident-free driving.
The press of "Start" button to
determine he service period
The end with the time period or
pressing the button "Stop"
The final bill for the provided insurance
service is calculated from:
Insurance period
Standing time
Individual insurance rate
Driving safety evaluation for the trip
Accident rate evaluation

7. 13
The beginning and the end of
service
Accident map is in the base of the
calculations.
Accident statistics for
Accident
statistics
Price for
one day
Driving
behavior
Price for
one day
Taken into account the accumulated
historical data on the safety of driving
fear for the period.
Using historical data on driving style to
the promotion of accident-free driving
Choosing of service start time
Ability to select a couple of days for
Insurance
The final bill for the provided
insurance service is calculated
from:
Individual insurance rate for one
day
Driving safety evaluation
Accident rate evaluation
STARTCASCO ON-DEMAND INSURANCE
Case 2. One trip insurance. Per-minute insurance
Calculation of basic
insurance rate
The calculation of the
individual insurance rate
Calculation of service
price

8. SCORING: DRIVING STYLE EVALUATION
Driver’s profile is based on key behavioral
statistics:
VIDEO: «Dynamic Scoring Model»
https://vimeo.com/169690816
Fast
acceleratio
n
Exceeding
speed limits
Intensive
slowdown
Dynamic forecasting of accidents for every
interval of the road
Static
parameter
s
Statistical
parameters
Dynamic
parameters
Road type, width, number
of lines, surface type and
quality, connections,
crossings, sinuosity,
speed limits, etc.
Accident statistics per
road interval, time-,
weekday- and season-
linked
Traffic, weather, repair
work, closure, current
accidents, etc.
14

9. ANALYTICAL WEB-INTERFACE AND REPORTS
FOR INSURANCE COMPANY
Insurant profile:
– Personal data
– Driving style evaluation with analytics
– Routes statistics
15
Accident registration and reconstruction

10. CLIENT MOBILE APPLICATIONS
– Driving safety evaluation
– Online tracking of the car
– Driving style analysis, fuel
economy
– Warnings about technical
problems with the car
– Information about accidents
and evacuation of the car
– Travel history
Insurance On
Demand
(with smartphone only)
Usage-Based Insurance
(with telematic device in car)
– Online insurance start/stop
– Insurance in motion
– Third Party and Theft
insurance while not moving
– Оnline payments
– Prepaid service
– Free demo mode
– Data transfer for driving
safety evaluation
– Discounts for safe driving
16

11. SCHEME OF THE PLATFORM
Smartphones or
telematic devices
Data receiving
subsystem
Data archiving
subsystem
Weather service
Mapping (GIS) service
Traffic service
(incl. statistics)
Scoring
subsystem
Mobile app server
Telematic
WEB-portal
Accident
analysis
Managing
- clients
- policies
Financial reporting
- internal
- external
Mobile app
“Insurance on demand”
(iOS/Android)
Payment serviceStatistical service
17

12. COMPETITIVE ADVANTAGES
OF STARTCASCO
18
Scoring model Mobile scoring
Using a dynamic
environment evaluation.
Accident map
Mobile app and telematics
platform «On-demand
insurance»
UK
US