Ever feel like you're overpaying for car insurance based on outdated factors like your age or postcode? Traditional insurance models rely on static data and general assumptions about your risk.

What if your premium was based on how you actually drive? That’s where telematics comes in, using real-time driving data to offer fairer pricing.

What is Telematics?

Telematics is a game-changer. Instead of old-school factors, it tracks real driving habits like:

• Mileage
• Braking patterns
• Acceleration

This allows insurers to match your premium to your driving style.

The Power of Real-Time Data

Modern telematics systems, powered by AI and massive datasets, go beyond "black boxes" to offer dynamic risk assessment. For example:

• Octo Telematics manages data from 95 billion trips, 13 million crashes, and 600 billion kilometres of driving.
• This scale of data enables fairer, more accurate pricing.

Benefits of Telematics

1. Fairer Premiums

• Telematics adjusts based on actual driving, not outdated assumptions.
• Example: During the pandemic, telematics users saw reduced premiums as mileage dropped.

2. Rewards Safe Drivers

• If you're a careful driver, telematics highlights your good habits and helps you save money.

Global Use of Telematics

• UK: Popular with young drivers to reduce high premiums.
• Italy: Focused on fraud prevention and theft recovery.
• US: Encourages safe driving through gamification.

The Future of Telematics

As autonomous vehicles become common, telematics will play a key role in:

• Determining fault in accidents involving self-driving and human-driven cars.
• Managing risk in complex driving environments.

Challenges to Adoption

1. Better Hardware: Shift from clunky black boxes to built-in car systems (OEM data).
2. Updated Regulations: Laws need to reflect modern driving and vehicle capabilities.
3. Data Transparency: Drivers should control their data and use it for better services.

Telematics is transforming car insurance, making it fairer and more personalised. Are you ready for the shift?

The transition to electric vehicles (EVs) isn’t limited to passenger cars—it’s rapidly reshaping commercial fleets, from delivery vans to supermarket lorries. While electrifying fleets comes with challenges, it also unlocks significant opportunities.

Ian Dennis, Head of EV Fleet at Zenobe, recently shared his insights on Auto Futurecast, explaining why now is the time to act. Here’s what we learned from his expertise.

Key Takeaways from Zenobe's Ian Dennis

1. Depot Charging Is Essential

For most fleets, depot charging remains the most cost-effective option, offering electricity rates as low as 15p per kWh, compared to 89p at public chargers. However, grid connection issues can complicate implementation. Solutions like shared charging hubs, where multiple operators share infrastructure, are already being trialled by Zenobe in Australia.

2. Operational Changes Are Key

Switching to EVs requires a shift in mindset. Instead of the traditional “fill up and go” model, operators must optimise mandatory rest breaks for opportunity charging. This shift relies on adopting a data-driven approach to managing routes and energy use efficiently.

3. Second-Life Batteries Offer New Opportunities

Used EV batteries still hold significant capacity and can be refurbished for second-life uses, such as powering shuttle buses or construction sites. Zenobe is working to establish a circular economy for batteries, aiming to recycle up to 98-99% of their materials.

4. The Market Is Shifting Quickly

Early adopters like Amazon are already scaling their electric fleets, driven by lower fuel and maintenance costs. With growing demand for zero-emission logistics, businesses delaying electrification risk falling behind. Zenobe advises: start small, think big, and scale fast.

5. Don’t Wait for Perfection

Future solutions like megawatt charging and hydrogen technologies may be promising, but operators should focus on what’s achievable today. Start with vehicles like vans and rigid trucks up to 18 tonnes that return to a depot daily. With 2035/2040 deadlines approaching, now is the time to gain experience and adapt.

The Importance of Fleet Electrification

Electrifying fleets isn’t just about replacing diesel vehicles—it’s about overhauling the entire logistics system. Early adopters will benefit from lower costs, reduced emissions, and a competitive edge.

The shift to EVs is well underway. The real question isn’t if your fleet should electrify, but how and when.

Catch the full episode with Ian Dennis on Spotify, Apple, or YouTube to learn more about the future of fleet electrification.

Charlie Cook, founder of Rightcharge, shared his journey from civil engineering graduate to climate-tech entrepreneur on Auto Futurecast.

Inspired by his passion to combat climate change, Charlie transitioned from Octopus Energy, where he launched the UK’s first EV-specific energy tariff, to building Rightcharge, a platform simplifying EV ownership.

The Rightcharge Pivot

Initially a home charge point marketplace, Rightcharge faced challenges by 2023. A pivotal shift to fleet payment solutions redefined the business, streamlining public charging payments and automating home charging reimbursements for EV fleets. Major clients like The AA now rely on Rightcharge to meet sustainability goals.

Building Momentum

With 60% of UK EVs owned by businesses, Rightcharge’s services are vital for reducing costs and tracking emissions. Now expanding to four European markets, the company is addressing a market five times the size of the UK.

Lessons for Founders

Charlie’s advice for entrepreneurs: Validate ideas, embrace pivots, structure fundraising around clear goals, and explore international markets. His journey shows how scalable innovation can drive sustainability.

Stay Updated

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