Presented by Ben Bowne, SVP, Business Development & Partnerships and
Arash Hadipanah, Senior Principal Product Manager, Engagement

How to use the Universal Rewards platform to promote safety and reduce dangerous
behaviours without any integration to their account management systems.

On Monday 23rd March, Ben and Arash presented CMT’s Road Club app and the Universal Rewards platform. These use telematics data and machine learning to incentivise safer driving behaviours through daily rewards and personalised challenges.

In this segment, Ben shared engagement statistics, including adoption rates and risk score improvement among drivers. They also addressed common concerns about privacy and programme design, and how to effectively target both safe and risky drivers.

Arash presents a case study on reward-based behaviour change based on RoadClub. This is a telematics-based rewards platform launched two years ago in the U.S.

RoadClub is powered by the Universal Rewards platform, now available to insurance partners. The platform uses a loss aversion model with daily point allotments. These points decrease for risky driving behaviour. It also includes gain-seeking opportunities through personalised challenges and weekly boosts.

Arash reports on RoadClub’s significant results, including high engagement rates compared to UBI, and reduced hard braking and distraction rates.

He also highlighted the platform’s customisation options. These include daily point settings, cached points conversion rates, and reward integration flexibility.

For more information and to test the RoadClub app for yourself, simply contact us at Hello@cmt.ai