Undisclosed Driver Information
The right rate starts with knowing who's driving
Pricing on auto policies is only as accurate as the information on who drives the insured vehicle. You can't rate the operators you don't know exist, and those hidden drivers can pose the highest risk of loss. But finding them is a daunting challenge.
On average for newly licensed drivers to be added to policies
In lost premium for each
Approximate percentage of undisclosed drivers under age 25
Flexible data delivery for a cleaner portfolio
Flexible data delivery for a cleaner portfolio
- Get UDI in all 50 states plus D.C. and driver’s license numbers in more than 20 states.
- Receive data through the UDI or Lightspeed APIs or via batch processing for renewal applications.
- Tackle the largest source of premium leakage—estimated at more than $10 billion annually and a factor in at least 10 percent of claims.
At point of quote and sale
At point of quote and sale
Tap leading data sources, such as DMV data, Verisk Coverage Verifier, and trusted third-party providers, to help find drivers omitted from insurance applications. Prefill driver data instantly with just a name and address.
Start clean, stay clean
Start clean, stay clean
Household information helps reduce premium leakage and fraud caused by hidden drivers at point of sale and across the policy life cycle.
Discover versatile tools
Discover versatile tools
Learn how to put undisclosed driver information to work for you at quote, renewal, or claim.
Application Integrity - The Whole Truth
Application integrity deteriorated by 15 percent over four years. Learn the pitfalls and discover best practices to keep it from happening to you.
Additional insights
Identify hidden drivers throughout the policy life cycle
Undisclosed drivers cause the most premium leakage in auto insurance, but data across the policy life cycle can help tackle the problem.
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Personal auto research: Application integrity down, fraud up
Application integrity for personal auto insurance has deteriorated more than 20 percent over the past eight years, according to Verisk research.
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Unpacking the 2021 new normal for personal auto mileage
Personal auto mileage has fluctuated widely through the pandemic and the emerging new normal. It may be time for insurers to leverage analytics to avoid premium leakage.
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