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THE 4^TH RIBA ANNUAL CONFERENCE 2025

INNOVATIVE TOOLS FOR ACCURATE AND FASTER CLAIMS

Get Started

SINCE 2002

We have partnered with insurers across East Africa for over 20 years.

42+ Branches

IN KENYA, UGANDA & RWANDA

About Us

INSURANCE TELEMATICS

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Our digital solutions for fraud-free insurance combine auditable vehicle valuations, a powerful verification system to detect hidden risks, and advanced telematics for driver scoring, accident detection, and panic alerts.

Stay In Control on Every Journey With Regent By Your Side

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REGENT AUTO VALUERS PRESENTATION

…

95%

REDUCTION IN STAGED ACCIDENT CLAIMS

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REGENT IS

IN RWANDA

Delivering an ever-growing range of proven solutions to insurers in Rwanda.

Growing Presence

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Regent Auto Valuers helps insurers reduce fraud and losses through three key services that improve transparency and ensure fair claims.

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20%

LOWER LOSS RATIOS WITH OUR ECOSYSTEM

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How We Protect Insurers

Provides accurate market values to prevent inflated claims & disputes.

Valuation System

Detects accident history, tampering, or stolen vehicles using our regional database.

Fraud Detection System

Monitors driving behavior, sends instant accident alerts, and supports fair, data-based premiums.

Telematics System

This slide sets the foundation for the presentation by introducing the ecosystem of tools Regent Auto Valuers has developed to help insurers combat fraud.

The Tools Include:

Vehicle Valuation System�Our valuations are accurate, transparent, and backed by real market data. By preventing inflated post-accident values, insurers can settle claims fairly and consistently. Every valuation is logged in our system, giving insurers access to detailed, auditable reports. This makes valuations the first and strongest line of defense against fraudulent claims, saving insurers across the region significant losses each year.
Vehicle Verification System�This system exposes hidden risks such as prior accidents, tampered engine or chassis numbers, stolen vehicles, or other red flags. It delivers complete accident histories, inspection reports, and supporting photos so that insurers and financial institutions can make well-informed decisions and avoid fraudulent claims or high-risk assets.
Insurance Telematics System�Our telematics solution analyzes driver behavior and assigns risk scores, classifying drivers as low, medium, or high risk. This enables fair, data-driven premium adjustments. In the event of an accident, the system sends instant alerts with impact data, allowing insurers to begin investigations immediately and reach out to clients in real time. This not only reduces fraud but also improves client satisfaction by showing them their insurer cares at the moment they need it most.

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VEHICLE VALUATION

SYSTEM

Our Vehicle Valuation System delivers unbiased, data-driven values that prevent inflated payouts. It flags fraud using our databases, provides detailed reports, and serves as the first line of defense saving insurers billions annually.

FRICTIONLESS CLAIMS

98%

98% of our valuation reports lead to frictionless, undisputed claims.

24h

Reports Available in 24 Hours

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QUICK VALUATION ACCESS PROCESS

Our system generates instant reports and stores them securely for effortless, on-demand retrieval.

LOGIN

VIEW ALL YOUR VEHICLES

VIEW REPORT

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VEHICLE VERIFICATION SYSTEM

We help banks and insurers identify vehicles with hidden accident history or illegal modifications, protecting them from financing or underwriting high-risk or misrepresented assets.

5K+

Fraud Alerts Flagged By Our System

97%

Success Rate In Flagging High-risk Vehicles

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Accident Damaged vehicles

Identifies vehicles disguised as new but with a hidden accident history.

Falsified Identification

Flags vehicles with altered or falsified Chassis or Engine Numbers

Illegally Modified Vehicles

Detects vehicles reconstructed, stolen, or modified against legal standards.

Vehicles with Prior Claims

Reveals vehicles previously involved in insurance claims or financial write-offs.

Our verification system detects accident-damaged, tampered, rebuilt, stolen, or illegally modified vehicles before they are insured.

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WHAT OUR VERIFICATION SYSTEM DETECTS

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VERIFY ANY VEHICLE, ANYTIME

Our Vehicle Verification System Is Simple To Use, With Quick Search And Query Options

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Count on verified data, not guesswork. Instantly access a vehicle’s accident history through our robust verification system and database to uncover:

ACCIDENT HISTORY IN SECONDS

Previous Accident Records

Written-Off or Total Loss Status

Repaired or Rebuilt Vehicles

Archived Photos of Past Damage

30%

Of Used Cars Have Accident History

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TIME TO BREAK

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INSURANCE TELEMATICS

Insurance telematics uses smart devices installed in vehicles to track driving behavior, detect accidents, and provide real-time data that helps insurers process claims faster, reduce fraud, and improve customer safety while offering fairer, data-driven premiums.

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Staged accidents or exaggerated damages inflate payouts and strain insurer resources.

Fraudulent

Claims

Over speeding, harsh braking & poor habits lead to avoidable accidents & higher losses.

Risky Driving

Behaviours

Hidden changes to vehicles increase risk exposure without proper premium adjustments.

Undeclared Modifications

Lack of immediate alerts slows verification, prolonging claims processing and settlement.

Delayed Incident Reporting

The insurance industry has long struggled with persistent issues that drive up claim costs and slow down service, creating a need for smarter, data-driven solutions. Our telematics system was born out of this need, designed to help insurers work more efficiently while delivering greater value to their clients. By building this system, we aimed to tackle the following challenges.

WHAT INSPIRED

THE TELEMATICS SYSTEM?

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THE PROBLEM IN NUMBERS

15B

Paid Annually

In Kenya, insurers pay out over KES 15 billion in vehicle claims.

20%

Fraudulent Claims

Staged or exaggerated claims inflate payouts

70%

Loss Ratios

At times, claims outweigh premiums, hurting profitability.

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OUR TELEMATICS SOLUTION

Real-Time Impact Alerts

Sends instant accident notifications for quick insurer response.

Historical Driving Reports

Provides past trip data to verify claims and resolve disputes.

Location Tracking

Confirms vehicle position to prevent false theft or misreporting.

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Driver Behaviour Monitoring

Tracks speeding, harsh braking, and acceleration to assess driver risk.

Historical Driving Reports

Provides past trip data to verify claims and resolve disputes.

Road Rescue Integration

Integration with road rescue providers for faster accident scene response.

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DRIVING BEHAVIOR SCORES

Driving behavior scores measure how safely or riskily a driver operates their vehicle.

GRADING

Our grading system categorizes drivers into risk levels based on their behavior scores.

80 - 100: Low Risk

60 – 79: Medium Risk

0 – 59: High Risk

METRICS

These are the core driving factors we analyze and track to generate the overall driver score.

Overspeed Duration

Harsh Acceleration

Harsh Braking

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IMMEDIATE IMPACT ALERTS

Immediate Impact Alerts notify insurers instantly when an accident occurs.

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Device Deck – Device Mockup Template

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HOW ACCIDENTS ARE SCORED

Learn how our system ranks accident severity using G-force and records key pre-crash data.

GRADING

Our grading system ranks accident severity by the G-force recorded at the moment of impact.

2G – 4G: Minor

4G – 8G: Moderate

>8G: Severe Impact

METRICS

We also capture key metrics, including pre-crash speed and events leading up to impact.

Pre-crash Speed

Weather Conditions

Exact GPS coordinates

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EMERGENCY PANIC ALERTS

Our emergency panic alerts give drivers a simple way to signal for immediate help during critical situations, ensuring rapid response and enhancing overall safety.

DRIVER CONFIDENCE BOOST

85%

Most drivers report feeling safer with a panic alert feature.

24/7

Alerts monitored at all hours, every day

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CLEAR ANALYTICS & REPORTS

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Reduce Fraudulent Claims

Verify incidents with impact, behavior, and location data before payout.

Lower Loss

Ratios

Filter false or exaggerated claims to cut unnecessary payouts.

Speed Up

Claims

Real-time data enables faster assessment and settlement.

Reward Safe Drivers

Reward safe drivers and retain lower-risk customers, reducing overall costs.

Our insurance telematics system gives insurers data to reduce fraud, speed up claims, lower losses, and reward safer drivers.

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HOW TELEMATICS ADDS VALUE

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Filter out 10–25% of suspicious claims before payout.

Fraud

Reduction

Lower payouts lead directly to higher profitability.

Improved Loss Ratio

Build a healthier portfolio with lower-risk drivers.

Attract Safer

Clients

Stand out with safer-driver incentives.

Competitive Advantage

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RETURN ON INVESTMENT

Insurers who implement our telematics system can expect the following returns on investment:

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THANK YOU!

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