LexisNexis Risk Solutions, a global leader in risk data analytics, has joined forces with Kia Europe, a prominent automotive manufacturer, to launch an InsurTech partnership focused on personalised insurance offerings.
The collaboration aims to integrate advanced driving behaviour insights into Kia Europe’s app to offer personalised insurance products, according to FF News.
The partnership focuses on delivering a consumer-friendly, risk-based driving score through Kia’s newly updated Kia App, available across 27 countries in the European Union (EU) and the United Kingdom (U.K.).
This score, based on LexisNexis’s Drive Metrics model, provides Kia owners with detailed insights into their driving habits, including factors such as speeding, braking, acceleration, time of day and mileage. At the owner’s request, this data can also be shared with Kia’s partnered insurers to enhance their risk assessment and tailor insurance offerings accordingly.
LexisNexis Risk Solutions specialises in transforming complex data into actionable insights, providing risk management and fraud detection solutions to insurers and other industries. Kia Europe designs and manufactures a wide range of vehicles and develops connected car technologies, including the Kia Connect platform and app, to enhance driver experience and vehicle connectivity.
By integrating the Drive Metrics score into the Kia App, drivers receive real-time feedback and personalised coaching tips aimed at improving safety and potentially lowering insurance costs. Participating insurers benefit from improved risk segmentation and more accurate pricing models based on actual driving behaviour, without having to develop their own usage-based insurance programmes.
The partnership also addresses key industry challenges, such as standardising connected car data to ensure insurer readiness and complying with stringent data privacy regulations like GDPR. The Kia App ensures consumer consent before collecting any personal data, emphasising a privacy-first approach.
Kia Europe benefits from increased customer engagement and brand loyalty through this data-driven initiative, while insurers gain access to a motivated user base eager for personalised insurance options. This approach promotes safer driving habits, which could lead to cost savings for consumers and enhanced risk accuracy for insurers.
James Burton, managing director, Europe and U.K. insurance, LexisNexis Risk Solutions, said, “We are pleased to collaborate with Kia Connect on this important endeavour to help Kia owners proactively lower their cost of vehicle ownership. By embracing the use of their driving behaviour data, Kia owners can improve their driving behaviour. Additionally, Kia owners will have the option to share the scores with their insurer to personalise their insurance premium. Leveraging a scoring service that utilises our Drive Metrics model, automakers are better positioned to support their owners and insurers with more accurate segmentation based on actual driving risks and enable more personalised pricing of policy premiums.”
Olivier Pascal, head of connected cars, Kia Connect, said, “Connected services are reshaping the driver experience, and by utilising the LexisNexis Risk Solutions scoring service that integrates driving insights from the LexisNexis Drive Metrics model into our Kia Connect platform, we’re taking the next step in offering smarter, safer driving, and more personalised mobility. This collaboration empowers our customers with real-time driving insights while supporting the insurance industry with meaningful, privacy-conscious data to deliver tailored insurance solutions. It’s a win for our drivers—and for the future of connected mobility.”
Karsten Crede of Mobility Insurance Network added, “Automakers and insurers continue to evolve how they engage with consumers, with connected vehicle data emerging as a powerful differentiator. In a market where customer expectations around personalisation, transparency and cost-efficiency are rising sharply—especially among EV owners—those who can translate driving behaviour into actionable insights will lead.”
This initiative signals a broader trend toward data-driven risk assessment within automotive and insurance sectors. As connected vehicles become more prevalent, LexisNexis Risk Solutions remains committed to advancing risk-based offerings that support insurers, automakers and consumers alike. The in-app integration of driving data in the Kia App exemplifies a shift towards smarter, more personalised insurance experiences.
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