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CONNECTED CAR DATA LAB

Which vehicle data routes are documented?

Check a manufacturer, signal or product use case. A named manufacturer does not confirm every model, VIN or live signal.

THE LENS · CONNECTED VEHICLE DATA LAB

Find the documented data route for an insurance decision.

Explore manufacturer-level coverage, public product evidence and insurance use cases—without presenting a model, VIN or signal as verified when it has not been tested.

DOCUMENTED ROUTES11each linked to a public source
SIGNAL TYPES12definitions—not universal availability
DIRECT OEM PRODUCTS94 with explicit UK evidence
TRACKERv1.4Evidence record 22 Sept 2026
START HERE

What are you trying to find out?

Returns only routes whose public source names this manufacturer. No model, model-year or VIN compatibility is inferred.

PUBLICLY DOCUMENTED ROUTES6Mercedes-Benz

Manufacturer-level evidence only. This confirms that a public source names the manufacturer or first-party product. It does not confirm any model, model year, VIN, signal, UK contract or live delivery.

View documented routes

01 · PROVIDER EXPLORER

Compare documented routes.

Results reflect the public evidence attached to the selected journey. They are not compatibility or procurement confirmations.
6 documented routes
Aggregator

High Mobility

Connected Car API · Insurance and multi-brand fleets

Source-confirmedUK eligible; contract checkSource conflictChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceTrip timestampsLocation / route+5 more documented
Aggregator

Smartcar

Connected Car API · Retail consent and rapid integration

Source-confirmedUK confirmedChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceTrip timestampsLocation / route+4 more documented
Aggregator + hardware

Targa Telematics

OEM data platform · Commercial fleet and insurance

Publicly claimedUK eligible; contract checkChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceTrip timestampsLocation / route+6 more documented
Data marketplace

CARUSO Dataplace

Data marketplace · European fleet, aftermarket and insurance

Publicly claimedUK eligible; contract checkChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceTrip timestampsLocation / route+3 more documented
Aggregator

Motorq

Connected Vehicle Platform · Commercial fleets, rental and leasing

Publicly claimedUK not verifiedChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceLocation / routeIgnition and vehicle state+2 more documented
Direct OEM

Mercedes-Benz

Fleet API + Smart Vehicle Data · PAYD, fleet, EV and vehicle status

Source-confirmedUK confirmedChecked 22 Sep 2026
PUBLIC SOURCE SIGNAL CATEGORIES · NOT TESTED
OdometerTrip distanceTrip timestampsLocation / route+7 more documented

DIRECT OEM REGISTER

Direct manufacturer products

This register confirms that the public first-party product exists. It does not claim model, VIN, signal or commercial eligibility unless the cited source says so.
ManufacturerProductPurposeUK availabilityPrimary source
Mercedes-BenzFleet APIFleet data packagesUK confirmedFleet API
Mercedes-BenzPay As You DriveInsurance mileageUK eligible; contract checkPay As You Drive
Mercedes-BenzElectric Vehicle Status / Vehicle StatusSmart Vehicle DataUK eligible; contract checkFleet API
BMW GroupCarData APIVehicle dataUK confirmedBMW CarData
BMW GroupCarData StreamingEvent streamUK confirmedBMW CarData
FordFord Pro Data ServicesCommercial fleetUK confirmedFord Pro Data Services
StellantisMobilisights Vehicle Data PlatformMulti-brand embedded dataUK eligible; contract checkVehicle Data Platform
TeslaFleet APIDeveloper APIUK not verifiedFleet API
Volvo CarsConnected Vehicle APIDeveloper APIUK not verifiedConnected Vehicle API

“UK not verified” is deliberately different from “unavailable”. Only first-party public documentation is used for direct-OEM product claims.

02 · SIGNAL LAB

Data signals and their evidence

Absence from public documentation is shown as “not evidenced”, never assumed to be unavailable.
SignalPublic evidenceActuarial utilityWhat it enables
ExposureOdometerBroadly evidencedEssential

Verified cumulative mileage without relying on customer declaration.

Reading cadence and ignition dependency vary by vehicle.
ExposureTrip distanceBroadly evidencedEssential

Distance at trip or reporting-period level for pay-per-mile and utilisation.

Some feeds derive trips from start/end readings.
ContextTrip timestampsBroadly evidencedHigh

When exposure occurs: commuting, social hours, overnight and seasonal use.

Timezone and trip-boundary rules must be normalised.
ContextLocation / routeVehicle-dependentHigh

Road class, urban density, territory and route-level exposure.

High privacy impact; some feeds expose only endpoints.
BehaviourSpeedVehicle-dependentHigh

Speed distribution, road-context matching and driving-style features.

Sampling may be too sparse for event scoring.
BehaviourAcceleration, braking, corneringSparsely evidencedHigh

Traditional telematics behaviour features and event detection.

Embedded feeds are less consistent than calibrated hardware.
OperationsIgnition and vehicle stateBroadly evidencedMedium

Separates parked, active and unavailable periods.

Definitions differ for EV-ready and charging states.
EnergyFuel, battery and chargingBroadly evidencedMedium

Fuel use, state of charge, range and charging behaviour.

Battery health is not equally available across brands.
VehicleDiagnostics and vehicle healthVehicle-dependentMedium

DTCs, service warnings, tyre pressure and maintenance indicators.

Diagnostic depth and permissions differ.
ClaimsCrash / airbag eventSparsely evidencedHigh

Potential automated FNOL and incident triage.

Never infer crash access from generic brand coverage.
VehicleADAS fitment or interventionSparsely evidencedHigh

Separates fitted capability from enabled or intervening systems.

Operational intervention data is rarely consistent.
OperationsRemote commandsVehicle-dependentLow

Lock, unlock, charge and precondition actions.

Normally unnecessary for pricing.

These categories describe the current public evidence base, not measured UK vehicle-parc penetration.

Back to starting question ↑

03 · SOURCE ROUTE DECISION

Compare aggregators, manufacturer APIs and fitted devices.

The right architecture can combine all three rather than force one universal feed.
MULTI-OEM AGGREGATOR

Multi-manufacturer coverage

  • One contract and data model
  • Reusable consent and activation flow
  • Lower integration burden

Trade-off: provider margin, normalisation loss and a lowest-common-denominator signal set.

DIRECT MANUFACTURER

Manufacturer-specific data

  • OEM-specific packages
  • Clear signal provenance
  • Potential volume economics

Trade-off: separate procurement, schema, consent and support for every OEM.

AFTERMARKET HARDWARE

Device-based measurement

  • Consistent sampling and behaviour logic
  • Older and unsupported vehicles
  • Independent data specification

Trade-off: device, installation, logistics, tamper and customer-friction costs.

RECOMMENDED ARCHITECTURE

When to combine data routes

Multi-OEM APIlaunch coverageCoverage telemetryeligibility · quality · consentDirect OEMvolume + unique signalsHardware fallbackunsupported parc

04 · ACTUARIAL USE-CASE LAB

Data requirements by insurance use

The recommendation identifies a starting architecture, candidate providers and the test most likely to expose false confidence.
RECOMMENDED STARTING SPECIFICATION

Pay per mile

How much was the vehicle used?

MINIMUM VIABLEOdometerTrip distanceTimestamp
ADDITIONAL VALUELocation / road classPurpose proxy
Likely route
Start multi-OEM; consider direct OEM at scale
Required cadence
Daily odometer or complete trip ledger
Candidate providers
SmartcarUK confirmedHigh MobilityUK eligible; contract checkMercedes-BenzUK confirmedBMW GroupUK confirmed
Validation test
Reconcile odometer movement to billed miles.
Failure mode
Missing trips, delayed readings and consent lapse create billing risk.
Back to provider results ↑

05 · UK COVERAGE METHOD

Estimate usable coverage for your book.

Adjust illustrative assumptions to understand why brand counts systematically overstate the addressable insurance book.
ILLUSTRATIVE USABLE COVERAGE40.7%

Product of the five assumptions—not a published UK market estimate.

Replace with audited cohort inputs

Publication rule. A defensible result requires a VIN or connected-vehicle cohort joined to the UK parc, with the denominator, observation period and failure reasons reported.

06 · EVIDENCE & GOVERNANCE

Evidence definitions

The same four-level evidence language now appears throughout the Lab, beside the claims it qualifies.
1Publicly claimed

The provider describes the product or coverage, but the public detail is insufficient to verify it.

2Source-confirmed

A primary public source names the product, manufacturer, market or data category being shown.

3VIN-verified

The provider confirms the individual vehicle and required data package as eligible.

4Observed

The required signal has been received and tested for quality, completeness and latency.

Download provider data
Smartcar · Provider operational evidenceCompatible Vehicles API v3Daily observed make/model/year/powertrain dataset; absence means not yet observed or insufficient dataCompatibility · evidence record 2026-09-22Recorded evidenceSmartcar · Provider deprecation noticeDeprecated VIN compatibility endpointRetired on 15 September 2026; retained only as a migration warningDeprecated source · evidence record 2026-09-22Recorded evidenceHigh Mobility · Provider documentationOEM guides and brand pagesNamed OEM guides, markets, models and data points; some availability statements conflictCompatibility · evidence record 2026-09-22Dated Nissan and Hyundai availability announcements conflict with 'yet to be available' banners on some brand pages. Ford shows a similar contradiction. Manual review is required; no availability conclusion is inferred.Review requiredHigh Mobility · Provider announcementNissan vehicle data announcementProvider announcement that Nissan vehicle data is availableManufacturer coverage · evidence record 2026-09-22Recorded evidenceHigh Mobility · Provider announcementHyundai availability announcementProvider announcement that Hyundai is availableManufacturer coverage · evidence record 2026-09-22Recorded evidenceTarga Telematics · Provider disclosureOEM data and connectivityNamed OEM relationships and hardware fallbackManufacturer coverage · evidence record 2026-09-22Recorded evidenceTarga Telematics · Provider announcementHyundai Connected Mobility partnershipEuropean Hyundai data integration with business-user consent; UK package not expressly confirmedManufacturer and signal coverage · evidence record 2026-09-22Recorded evidenceCARUSO Dataplace · Provider disclosureVehicle manufacturersNamed marketplace manufacturersManufacturer coverage · evidence record 2026-09-22Recorded evidenceCARUSO Dataplace · Provider announcementHyundai platform integrationHyundai B2B fleet and B2C private-vehicle channels in supported European markets; UK not namedManufacturer and signal coverage · evidence record 2026-09-22Recorded evidenceMotorq · Provider disclosureConnected Vehicle Platform25+ automotive brands claimed; public examples named, but no complete model or UK registerProduct and manufacturer coverage · evidence record 2026-09-22Recorded evidenceMercedes-Benz · Direct OEMFleet APICars and vans; trip, EV, behaviour, health and remote packagesDirect OEM product · evidence record 2026-09-22Recorded evidenceMercedes-Benz · Direct OEMPay As You DriveInsurance-oriented distance and trip endpoint productDirect OEM product · evidence record 2026-09-22Recorded evidenceBMW Group · Direct OEMBMW CarDataBMW and MINI API/streaming; UK supportedDirect OEM product · evidence record 2026-09-22Recorded evidenceFord · Direct OEMFord Pro Data ServicesConnected commercial-vehicle data servicesDirect OEM product · evidence record 2026-09-22Recorded evidenceMobilisights / Stellantis · OEM data unitVehicle Data PlatformEmbedded data from Stellantis brandsDirect OEM product · evidence record 2026-09-22Recorded evidenceTesla · Direct OEMFleet APIOfficial developer API; UK insurance suitability not verifiedDirect OEM product · evidence record 2026-09-22Recorded evidenceVolvo Cars · Direct OEMConnected Vehicle APIOfficial developer API; UK commercial suitability not verifiedDirect OEM product · evidence record 2026-09-22Recorded evidenceDfT / DVLA · Official statisticsVehicle licensing statisticsUK vehicle-parc denominator, including make/model filesParc · evidence record 2026-09-22Recorded evidence

Coverage limits

Provider coverage does not establish eligibility for every model or VIN. Confirm the vehicle, required signals and UK availability before using a data source. “Not evidenced” means the public sources do not establish coverage; it does not mean the service is unavailable.

Back to start ↑

Through The Actuary Lens

Consent, coverage and signal reliability determine whether a vehicle data route can support a pricing or validation decision.

Connected Vehicle Data tracker

Sources & release

Analysis period: Varies by dataset; see records below · Approved release: 25/09/2026 · Validation: 25/09/2026

The analysis above is from the approved release. Later checks cannot change published findings until reviewed and approved.

17 sources need attention. The source table is open below; each row explains whether a check failed or new evidence awaits review.

Inspect 18 relevant sources
SourceRecorded source periodChecked in releaseValidated in releaseCurrent source check
Compatible Vehicles API v3Live; updated daily by provider21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Deprecated VIN compatibility endpointRemoved 15 Sep 202622/09/2026Not recordedNo source issue recorded
OEM guides and brand pagesLive21/09/2026Not recordedSource check problem — approved findings retained
Nissan vehicle data announcementDated announcement22/09/2026Not recordedNew evidence awaiting review — not yet in findings
Hyundai availability announcementDated announcement22/09/2026Not recordedNew evidence awaiting review — not yet in findings
OEM data and connectivityLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Hyundai Connected Mobility partnership21 Jul 202622/09/2026Not recordedNew evidence awaiting review — not yet in findings
Vehicle manufacturersLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Hyundai platform integration1 Sep 202622/09/2026Not recordedNew evidence awaiting review — not yet in findings
Connected Vehicle PlatformLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Fleet APILive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Pay As You DriveLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
BMW CarDataLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Ford Pro Data ServicesLive21/09/2026Not recordedSource check problem — approved findings retained
Vehicle Data PlatformLive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Fleet APILive21/09/2026Not recordedNew evidence awaiting review — not yet in findings
Connected Vehicle APILive21/09/2026Not recordedSource check problem — approved findings retained
Vehicle licensing statisticsLatest release 15 Jul 202621/09/2026Not recordedNew evidence awaiting review — not yet in findings
Technical release IDlens-2026-09-25-a1fc94c9307e