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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.

Newly Licensed Drivers

On average for newly licensed drivers to be added to policies

Lost Premium

In lost premium for each

Undisclosed Drivers Under Age Twenty Five

Approximate percentage of undisclosed drivers under age 25

Flexible data delivery for a cleaner portfolio

Driver Information Callout

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

Quote 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

Hidden Drivers

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

Undisclosed Driver

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 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.

Download the white paper

Additional insights

Undisclosed Drivers In Insurance Portfolios

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.

Read the article
Gettyimages 1146365022 Teaser

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.

Read the article
Teaser

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.

Read the article

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