What is a telematics device(also known as T-box)?

A telematics device, also knows as T-box, is generally a smart system installed in the vehicles to record information about your driving behaviors, e.g. the mileage you drive, your driving speed, how quickly you brake and how hard you accelerate. Besides, the telematics system can analyze how often you drive your vehicle, how often you drive at night and how often you drive on freeway. When you use a telematics box or vehicular black box, you agree to allow the device to send the above-mentioned information to the TSP which is manged by the insurance company.

The data acquired by the t-box device will then be processed with smart algorithm. In other words, the telematics system will portrait every driver whose vehicle has been installed with the tbox. If the data show you have good driving behavior, you may get some discount for premiums from your insurance company. However, if the telematics device finds you drive in an unsafe way, you won’t be penalized with higher premiums. This is how a telematics device or system usually work in the vehicle insurance industry.

The telematics device not only is used in UBI, but also it is more widely applied in commercial fleet management. With the help of GPS and gyroscope built-in telematics device, the fleet manager can know each detail of his fleet through the multiple dimension reports, such as mileage report, fuel consumption and refueling report, historic trips of each vehicle, real-time location and speed of each vehicle, driving mode of each driver and potential failure of vehicles. In a word, the telematics box help the fleet managers and owners keep an eye on their fleets anywhere and anytime.

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