AiCare Telematics
AI-powered telematics for motor insurers across Africa -- accurate risk scoring built for African roads.
Overview
AiCare Telematics is a Nairobi-based insurtech company providing AI and machine learning-powered telematics solutions to motor insurers across Africa. Founded in 2020 by Arthur Mulwa (CEO) and Jaime de Miguel (CTO), the company emerged from the Antler East Africa accelerator program and has built proprietary technology calibrated specifically for Africa's unique road conditions and driving patterns -- a critical differentiator from telematics solutions designed for Western markets.
AiCare's SaaS platform enables insurers to rapidly deploy usage-based insurance (UBI) products without large upfront capital investment or proprietary hardware requirements. The company's core algorithm filters out road surface vibration artifacts common on African roads, ensuring risk scores accurately reflect driver behavior rather than infrastructure quality. Insurers using AiCare's technology can offer customers premium discounts of up to 20% based on safe driving habits and mileage.
In March 2024, Britam General Insurance -- one of Kenya's largest insurers -- launched Motomatics, a pay-as-you-drive motor insurance product powered by AiCare's telematics platform. The partnership marks AiCare's first publicly announced full commercial deployment, enabling Britam customers who drive fewer than 10,000 km annually to earn discounts on motor insurance premiums.
Products & Services
Telematics SaaS Platform
AiCare's core product is a SaaS telematics platform that enables motor insurers to launch telematics-based insurance products. The platform collects and processes driving behavior data to generate individualized accident risk scores.
Key Features
- Africa-specific AI models trained on local road conditions
- Road vibration artifact filtering for accurate risk scoring
- Smartphone app and/or onboard device data collection
- Driving behavior metrics: speed, mileage, braking, acceleration, location
- Risk score engine quantifying accident probability per driver
- Insurer-facing analytics dashboard
Target Users: Motor insurance carriers and MGAs seeking to launch UBI products in Africa
Driver Risk Scoring API
AiCare's risk scoring API allows insurers to integrate telematics-derived driver risk scores directly into their underwriting and pricing workflows.
Key Features
- Real-time accident risk quantification
- Integration with existing carrier policy admin and pricing systems
- Supports underwriting segmentation and renewal pricing
- Documented accident risk reduction of 8--18% in deployed programs
Target Users: Underwriting and actuarial teams at motor insurers
Road Safety Analytics
Beyond insurance pricing, AiCare offers driving behavior analytics to support corporate fleet safety programs and road safety initiatives.
Key Features
- Fleet-level driving behavior aggregation
- Dangerous driving pattern identification
- Driver coaching data for employer wellness programs
Target Users: Fleet operators, insurers with fleet portfolios
At a Glance
- Founded
- 2020
- Headquarters
- Nairobi, Kenya
- Employees
- 1-10
- Funding
- Seed
Category & Focus
- Category
- Telematics / Usage-Based Insurance
- Subcategories
- Usage-Based Insurance (UBI) AI Risk Scoring Motor Telematics Pay-Per-Kilometer Insurance
- Insurance Verticals
- P&C
- Target Customers
- Carriers
Customers
- Britam General Insurance (Kenya) -- powers Motomatics pay-as-you-drive product (launched March 2024)
Last updated: 2026-05-12