Integrating Internet of Things (IoT), Machine Learning (ML), and the Cloud Infrastructure to Monitor Driving Behavior for Usage-based Insurance in the Indian Context

Abstract

Although Usage-Based-Insurance has a wide range of applications, it is practically nonexistent in India. We have done research to help design a system that combines IoT, ML, and cloud to help us overcome this problem as a next step. The goal is to create a machine learning model for the cloud that will allow us to calculate driver and customer safety scores based on where and how the car has been driven. We were able to do this by evaluating information from our smartphone's sensors. Utilizing this data and classification system, problems like Usage-Based-Insurance can subsequently be resolved in the real world (UBI). Usage-based insurance has proven to be efficient and appealing to both insurers and the ones insured in a wide range of countries. The use of this method is sparse to nonexistent in India, but it is on the horizon. As a result, there is a lot of potential for our research and suggested works on UBI in India.