Zuno General Insurance
Zuno SmartDrive (Pay-How-You-Drive)
Revolutionized motor insurance with India's first fully behavior-based "Pay-How-You-Drive" model. Engineered a high-performance two-speed architecture to abstract a legacy ERP and designed a gamified mobile app.
3x Higher
App Retention
40% Reduction
Support Overhead
Up to 30%
Premium Savings
7 Days
Claim Settlement
The Challenge
Zuno wanted to disrupt the traditional motor insurance market by replacing demographic pricing with dynamic behavior-based premiums. However, their monolithic legacy ERP was database-heavy and designed for batch processing, making it incapable of handling high-frequency real-time telematics streams from millions of concurrent mobile devices.
Our Solution
CAN Tech engineered a "Two-Speed Architecture" that split telemetry ingestion from policy administration. The Telematics Engine (Fast Lane) ingests GPS and accelerometer streams, calculates driving scores in real time, and passes nightly aggregated summaries to the Legacy ERP (Slow Lane) via a secure abstraction layer. We also designed the entire UI/UX of the SmartDrive app.
Technical Architecture
Technical Architecture
The Fast Lane uses an Apache Kafka pipeline to ingest GPS and Gyro streams, running them through risk-scoring microservices. This isolates the high-velocity operations from the legacy policy system.
{
"telemetry_stream": {
"device_id": "ZUNO_MOB_8812",
"trip_id": "TRIP_2026_09914",
"sample_rate_hz": 10,
"metrics": {
"gps": [12.9716, 77.5946],
"speed_kmh": 45.2,
"accel_g": [0.02, 0.05, 0.98]
}
},
"risk_scoring": {
"harsh_braking_events": 0,
"excess_speed_duration_secs": 0,
"current_trip_score": 98
}
}Key UI/UX & System Elements
Welcome & Policy Onboarding
A first-time home screen guiding users to link an existing policy or buy a new one, with upfront benefits — Driving Score savings up to 30%, a Digital Glove Box for documents, and access to cashless garage and hospital networks. Includes a quick quote flow for car, bike, and health policies.
Driving Score Dashboard
A gamified score ring (out of 100) with weekly and monthly rank positions, a weighted breakdown across five habits — acceleration, braking, cornering, speed, and distracted driving — each rated Excellent, Good, or Needs Work, plus a 7-day trend chart and shortcuts to leaderboard, rewards, and trip history.
Trip History & Scoring
A chronological trip log filterable by today, this week, this month, or all time. Each entry shows start/end time, distance, and a per-trip safety score, with a "Not driving?" dispute option for trips recorded within the last 24 hours.
Weekly Leaderboard & Rewards
A competitive rankings view with weekly, monthly, and past-winner tabs. Top drivers appear on a podium, the top 10 earn ₹1,000 each week, and users can track their own rank, city, score, and week-over-week movement against a full top-10 list.
Quick-Start Claims Filing
A two-step "File a Claim" flow that collects minimal info upfront — vehicle selection, driver, incident type (collision, theft, glass damage, or fire), date/time, GPS location, and optional damage photos — so users can submit fast and add details later.
