Overview
The Floow is a world leader in telematics data management, providing connected mobility solutions that integrate telematics data, predictive analytics, and driver engagement tools for insurance and mobility partners globally. Founded in 2012 by Aldo Monteforte and Dr. Sam Chapman in Sheffield, UK, the company has pioneered the use of smartphones as telematics sensors and developed proprietary scoring algorithms that predict claims propensity with proven accuracy.
The Floow operates across 95+ regions including all US states, having analyzed billions of miles from millions of drivers. The company serves leading insurers and mobility partners across the Americas, Europe, Africa, and Asia with a comprehensive suite of products spanning data collection, predictive scoring, driver engagement, and claims management.
Originally acquired by Otonomo in 2022 for approximately $69 million, The Floow subsequently completed a management buyout that returned majority ownership to its founding management team. The company maintains offices in Sheffield (UK) and Walnut Creek, California (US), and holds strategic partnerships with Munich Re and TransUnion.
Products & Services
FloowDrive
End-to-end telematics application enabling insurers and mobility partners to deploy connected insurance programs with driver evaluation, engagement, and rewards.
Key Features
- Automatic trip detection and recording with no user input required
- Predictive and intuitive driver scoring
- Rewards program integration with behavioral nudges
- Crash detection with near real-time insurer notification
- Optional mileage capture via manual or connected vehicle odometer
- Deployable within 4 weeks
Target Users: Carriers, Fleet Operators, Auto Manufacturers
FloowFusion
Next-generation connected insurance platform that fuses smartphone telematics data with OEM connected vehicle data, providing source-agnostic telematics for motor insurance.
Key Features
- Combines mobile app data with vehicle OEM data (odometer, location, fuel level, EV battery, tire pressure)
- Source-agnostic data integration across mobile, aftermarket, and OEM sources
- Privacy-first design with full user control over data collection
- Enhanced risk insights from combined behavioral and vehicle datasets
Target Users: Carriers, Auto Manufacturers
FloowScore
Predictive scoring engine that measures driving behavior including mobile distraction, delivering configurable risk scores for insurance pricing and underwriting.
Key Features
- Up to 18% improvement in combined operating ratios
- 25% claims prediction improvement over traditional models
- Highly configurable scoring allowing clients to build proprietary IP
- Mobile distraction measurement as key risk indicator
Target Users: Carriers, Reinsurers, Underwriters
FloowFleet
White-labeled connected insurance solution for commercial fleet management, providing real-time tracking and driver performance monitoring.
Key Features
- Real-time vehicle tracking via OBD or fitted devices
- Driver performance feedback with speed and smooth scores
- Fleet manager and supervisor portal with journey reviews
- Insurer-facing management portal with trip data and scoring
Target Users: Fleet Operators, Commercial Insurers
FloowClaims
Claims management suite providing tools for crash detection, reporting, and claims process optimization.
Key Features
- Crash detection and notification
- Claims reporting and management tools
- Claims process optimization
Target Users: Carriers, Claims Teams
FloowCampaigns
Targeted engagement platform delivering messages via in-app notifications, SMS, and email to increase user engagement and promote safer driving.
Key Features
- Multi-channel delivery (in-app, SMS, email)
- Targeted behavioral nudges for safer driving
- Claims process optimization messaging
Target Users: Carriers, Marketing Teams
FloowTag
Bluetooth Low Energy (BLE) device for vehicle identification that limits trip capture to the insured vehicle when paired with FloowDrive.
Key Features
- BLE-based vehicle identification
- Trip capture limited to insured vehicle only
- Seamless integration with FloowDrive
Target Users: Carriers
At a Glance
- Founded
- 2012
- Headquarters
- Sheffield, United Kingdom
- Employees
- 51-200
- Funding
- Series B (MBO)
Category & Focus
- Category
- Data & Analytics
- Subcategories
- Telematics Usage-Based Insurance Driver Behavior Analytics Connected Car
- Insurance Verticals
- Auto / Motor
- Target Customers
- Carriers, Reinsurers, Fleet Operators, Auto Manufacturers
Customers
- Progressive
- Plymouth Rock Assurance
- Direct Line
- Aviva
- Fidelidade
- Munich Re
- ERGO
- Definity (Sonnet Shift)
- AAA
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Last updated: 2026-03-25