Underwriting and Rating

Undisclosed Driver Information

Identify household drivers not listed on a policy to confront the leading source of auto premium leakage. Price with precision and enable modern buying experiences.

Hidden drivers can cost you—if they remain hidden

Undisclosed drivers not listed on auto insurance policies are the leading source of mispriced risk, accounting for an estimated $12.5 billion in annual premium leakage for personal auto insurers.¹ Approximately 40 percent of these drivers are under age 25, and it takes an average of 13.6 months for newly licensed drivers to be added to policies.²

The right rate starts with knowing who’s driving.

Address premium leakage and hidden driver risk throughout the policy life cycle using our innovative tools for identifying undisclosed driver information.

Fraud detection

Take on hard and soft fraud in real time by identifying hidden drivers of all ages—at a household level—with superior multisource data and analytics.

Precision pricing

Quote more precisely with powerful prefill, realign price to risk at renewal with timely insights, and avoid claim surprises from hidden drivers.

Customer experience

Meet rising expectations for fast, easy, buying experiences and spare customers from lengthy web applications and intrusive questions about household details.

Auto insurers focusing on non-rate actions to recharge profits in 2023

Verisk has seen a marked increase in insurers seeking strategic sourcing of non-rate actions to confront premium leakage.

Read the article

Auto insurers focusing on non-rate actions to recharge profits in 2023

Features and capabilities

Verisk’s innovative undisclosed driver data and analytics can help you solve one of the leading challenges for your book of business.

Unmatched data

Gain insights with Verisk's exclusive Coverage Verifier solution, state DMV records, and trusted third-party data sources, including drivers who are covered on other policies.

Household-level driver details

Boost cross-selling by uncovering hidden drivers: Household members, demographics, licenses and new licensees, residency, moves, and validated addresses.

Customizable tools

Fine-tune your program with versatile, targeted options based on geographic footprint and cost requirements.

Flexible delivery

Connect with Undisclosed Driver information via Verisk’s LightSpeed^® and RISK:check^® Point of Sale platforms, with a standalone API, or through batch file processing.

Modernize auto insurance buying experiences—upfront

Accelerate quotes by integrating hidden driver analytics at point of quote. Automate tailored workflows, boost conversion rates, and drive profitable growth.

Related resources

Stay in the know about important industry trends and innovative solutions.

White paper

Innovation Strategies for Auto Insurance Underwriting

This paper explores strategies for moving innovation forward in auto underwriting.

Read the white paper

Commercial And Personal Auto Insurance Digitization

Article

Transform auto quote experiences for what comes next

Increasing speed is becoming the norm for auto insurance quotes, driving digital transformation and data-forward strategies.

Read the article

Article

How non-rate actions are easing personal auto profitability pressures

Verisk has seen a marked increase in insurers seeking strategic sourcing of non-rate actions to confront premium leakage in 2023.

Read the article

Brochure

Undisclosed Driver Information

Get the whole picture as you discover hidden drivers.

Download the brochure

Do more with the Verisk ecosystem

Future-proof your business with a partner that puts you in the driver’s seat.

Modernized, data-forward quoting

Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.

Learn about LightSpeed Personal Auto

Comparing Auto Insurance Quotes On Tablet

Coverage history and details

Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.

Learn about Coverage Verifier

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Mileage verification

Leverage the strong link between mileage and claims to strengthen your underwriting and rating.

Learn about MileageConfirm

Garaging validation

Use actual vehicle sightings to verify garaging address and commuting mileage.

Learn about GarageConfirm

Contact us to learn more

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¹_{Updated 2022 estimate based on Coalition Against Insurance Fraud’s The Impact of Insurance Fraud on the U.S. Economy, pages 23-26, applying overall annual premium leakage increase to Verisk’s estimate from The Challenge of Auto Insurance Premium Leakage, 2017}

²_{Verisk client experience}