What The Floow does

The Floow is a Sheffield-headquartered telematics software company that has operated since 2012 (acquired by Otonomo Technologies in February 2022 for $69M) and built a smartphone-first platform for insurers and mobility providers. Its core architecture consists of FloowDrive (white-label driver companion app) and FloowKit (mobile SDK) collecting telemetry via smartphone sensors, feeding FloowScore (predictive risk scoring) and Impact Detection (accident identification) data products. Add-on modules — FloowClaims, FloowFusion (unified OEM data from 25+ manufacturers), FloowTag, FloowCampaigns, and MobilityIn (aggregated traffic insights) — extend the platform into claims reconstruction, connected-car enrichment, engagement, and urban-planning use cases.

The company monetizes through B2B SaaS contracts with global insurance carriers, sold via a sales-led, API-first GTM: enterprise direct sales for white-label deployments, SDK integration into insurer apps, and data-product subscriptions. Pricing is quote-based and not publicly disclosed. Geographic reach spans 95 regions across five continents, with named customers including Plymouth Rock Assurance, Progressive, Definity Financial, Direct Line Group, Aviva, Ergo, Old Mutual, Auto Club Group (AAA), Fidelidade, Munich Re, Star Casualty, and Sara. The platform is ISO/IEC 27001 and ISO 9001 certified and supports product rollouts in roughly 8 weeks.

Fraud reduction, fairer risk-based pricing, and customer engagement are the primary value drivers, evidenced by claim-performance metrics (25% above/below traditional risk models for good/bad predicted drivers) and the Definity Sonnet Shift product allowing up to 35% premium discounts for safe drivers.

Name

The Floow

Legal name

The Floow Limited

Website

https://thefloow.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

The Floow is a Sheffield-based telematics SaaS provider, founded in 2012 and acquired by Otonomo in 2022, that builds smartphone-based driver scoring, claims, and connected-car products sold to global insurance carriers across 95 regions.

Ownership category

akta.pro rank

Product category

Telematics Software (Insurance Technology)

NAICS

Insurance Carriers (5241), Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Telematics & Usage-Based Insurance (UBI) Platforms (FSAGAGAF)

akta.pro secondary industries

Insurance, Risk & Claims Telematics Integrations (TLAEAFAM), Driver Behavior, Safety Scoring & Usage-Based Telematics (TLAEAFAF), Commercial Fleet Telematics / Usage-Based Insurance (UBI) (FSAJABAI), Usage-Based / Telematics Personal Auto Insurance (FSAJAAAB)

Keywords

• Telematics software platform
• Usage-based insurance
• Driver risk scoring
• Connected car data
• Insurance claims analytics

Headquarters

HQ city

Sheffield

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Telematics Platform for Insurers: The Floow provides telematics technology as a service to insurance carriers, including white-label apps, SDK integrations, and data products. Revenue is generated through platform licensing, SDK integration fees, and ongoing subscription-style arrangements with insurers who embed the technology into their insurance products. Products include FloowDrive (white-label app), FloowKit (SDK), FloowScore (scoring), FloowClaims (claims management), FloowFusion (connected car), and MobilityIn (traffic insights).
2. Acquisition by Otonomo: The Floow was acquired by Otonomo for $69,000,000 on February 27, 2022. Otonomo is a mobility data platform company, suggesting The Floow's technology is now part of a larger data monetization strategy. This represents a historical liquidity event rather than an ongoing revenue stream.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

The Floow builds a smartphone-based telematics and predictive analytics platform that enables insurance carriers to capture real driving behaviour, score driver risk, manage claims reconstruction, and integrate connected-car data. Its core deliverables are white-label mobile apps (FloowDrive), a mobile SDK (FloowKit), driver risk scoring (FloowScore), claims tools (FloowClaims), connected car data fusion (FloowFusion), and traffic insights (MobilityIn) sold to insurers, OEMs, and government planners.

Product overview

The Floow operates a platform-plus-modules architecture built on a core telematics data engine. The foundational platform consists of FloowDrive (white-label driver companion app) and FloowKit (mobile SDK for embedding telematics into third-party apps), which collect driving behavior data via smartphone sensors. This core data feeds into FloowScore (predictive driver risk scoring) and powers the company's data products including Impact Detection (accident identification) and MobilityIn (traffic insights). Add-on modules extend the platform: FloowClaims provides claims management tools, FloowFusion integrates connected vehicle data from 25+ manufacturers, FloowTag enables vehicle identification, FloowCampaigns delivers personalized nudges and rewards, and the Insurer Portal provides portfolio management dashboards. The architecture enables insurers to deploy connected insurance programs in as little as 8 weeks.

Differentiator

Problem solved

Functional benefit

Brands

• FloowDrive: White-label driver companion app for capturing and improving driver behavior, applicable to Usage-Based Insurance, Learner Drivers, Young Drivers, Try-Before-You-Buy and Try-Before-You-Renew programs.
• FloowKit
• FloowClaims
• FloowFusion
• FloowScore
• Impact Detection
• MobilityIn
• FloowCampaigns
• FloowTag
• Insurer Portal

Products and services

• FloowDrive

Quantifiable outcome

• Up to 18% improvement in combined operating ratios (COR) for clients using FloowScore
• +5 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Munich Re Global ConsultingcoreStrategic or Co-development Partner · 1 October 2023Munich Re Global Consulting partnered with The Floow as part of the Definity Financial Corporation Sonnet Shift product launch. Munich Re serves as a strategic consulting partner in the development of telematics-powered insurance products with The Floow.
• Definity Financial CorporationcoreStrategic or Co-development Partner · 1 September 2023Definity Financial Corporation (Canada) launched Sonnet Shift, a telematics-powered auto insurance product in September 2023, developed in partnership with The Floow and Munich Re Global Consulting. The product allows safe drivers to save up to 35% on premiums, using technology from The Floow.
• Plymouth Rock AssurancecoreStrategic or Co-development PartnerPlymouth Rock Assurance partnered with The Floow to enhance their telematics solution, the YUBI program, through the FloowDrive application. The app allows insured drivers to complete driving evaluations and earn discounts for safe driving. Plymouth Rock values the collaboration and sharing of ideas, utilizing The Floow's expertise to align with strategic goals.
• OEM Manufacturers (Toyota, BMW, Tesla, Mercedes, VW, Audi, etc.)coreTechnology or IntegrationFloowFusion integrates with native vehicle data from 25+ connected car manufacturers including Toyota, BMW, Tesla, Mercedes, VW, and Audi. The integration provides access to odometer, location, lock/unlock status, EV battery level, charging status, fuel tank level, and tire pressure data through OEM interfaces.
• FidelidadecoreStrategic or Co-development PartnerFidelidade (Portugal) partnered with The Floow to provide a connected car insurance solution for Via Verde customers, working with The Floow to enable safe drivers to access the most competitive insurance premiums. Marcelo Sousa, Connected Cars Manager at Fidelidade, confirmed 5 years of telematics experience working with The Floow.
• PJA (Planning & Urban Design Consultancy)minorOthersPJA, an urban planning consultancy, uses MobilityIn data as an integral tool for their urban planning projects. The data provides unique insight into driver behavior and patterns, giving clients a new means of understanding how areas are used for traffic.
• DG-Cities (Royal Borough of Greenwich)minorOthersDG-Cities (part of Royal Borough of Greenwich) used The Floow's MobilityIn data to understand and quantify mobility behaviors across all roads in the Royal Borough of Greenwich region. The data enabled quantification of congestion impact for the first time.
• EU / Horizon Programme / UKRI / Government Funding BodiesminorStrategic or Co-development PartnerThe Floow participates in funded research projects with EU Horizon, UKRI, and various government funding bodies including DFT, NERC, Innovate UK, and others. Projects include PHOEBE, SETA, MOVE UK, StreetWise, Fit2Drive, FLOOWNOX, UPLIFT, DEBDAC, and others focused on road safety, autonomous vehicles, air quality, and decarbonisation.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cambridge Mobile Telematics: Cambridge Mobile Telematics is a leading smartphone telematics and UBI platform serving global insurers with products like DriveWell. Directly comparable to The Floow across smartphone data collection, driver scoring, and insurer go-to-market.
• Octo Telematics: Octo Telematics is a long-standing UBI/fleet telematics provider for auto insurers, offering smartphone and black-box telematics with claims and crash detection services. Highly comparable on multi-source telematics and European/insurer footprint.
• TrueMotion (acquired by Liberty Mutual): TrueMotion built smartphone-based driving behavior scoring and was acquired by Liberty Mutual in 2020. Closely comparable technology stack to FloowKit/FloowDrive, with deep insurer backing — a direct rival for smartphone-based UBI programs.
• Arity (Allstate): Arity is the telematics and data analytics platform spun out of Allstate, providing UBI scoring, crash detection, and driving data to insurers and mobility players. Direct competitor with similar combination of underwriting and claims products.
• IMS (Intelligent Mechatronic Systems): IMS provides connected vehicle, UBI, and driver behavior solutions for insurers and OEMs. Comparable to The Floow across smartphone telematics, white-label apps, and insurer integrations in North America and Europe.

Emerging players

• Zendrive: Zendrive focuses on smartphone-based mobility risk scoring with a particular emphasis on distracted driving detection. Comparable technology overlap (smartphone-only telematics, distraction scoring) but smaller scale than The Floow.

Broad incumbents

• LexisNexis Risk Solutions: LexisNexis Risk Solutions aggregates driving and insurance data assets, including telematics-derived scoring products, sold into P&C carriers. A broad incumbent whose analytics compete against FloowScore at the carrier data layer.
• Verisk: Verisk is a major insurance analytics and data-exchange provider with telematics-enabled underwriting products. Comparable as a large analytics incumbent selling integrated risk-scoring and claims data into insurers.
• CCC Intelligent Solutions: CCC is a leading insurance claims intelligence and ecosystem platform, processing data across claims operations. Comparable to FloowClaims on the claims side and increasingly intersecting with telematics-driven FNOL workflows.

Others

• Otonomo Technologies (parent): Otonomo is The Floow's parent company, providing a connected vehicle data marketplace for smart cities, insurers, and mobility providers. Comparable as a vehicle data layer adjacent to (and now hosting) The Floow's telematics platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-floow-limited
• Xx.com/thefloowltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Floow