Flock was founded on the conviction that insurance was no longer fit for purpose in our fast-moving, hyper-connected world. By bridging the gap between the insurance of today and the emerging technologies of tomorrow, they are disrupting the industry by offering market leading connected motor fleet insurance that rewards safer driving.

The Challenge

In order to offer dynamic pricing which takes into account not just the number of miles driven but also the behaviour of a fleet’s drivers, Flock needed an easy way to access their policyholder’s telematics data.

The solution needed to be:

  • Quick to set up to avoid lost business due to delays in quoting
  • Simple to implement so as to not create barriers to potential customers signing up
  • Robust enough to allow them to carry out regular driver risk reviews with their policyholders

Flock + SmartLink


Live TSP integrations


Vehicles on cover


Journeys insured


Miles analysed

The Solution

The majority of fleets on the UK’s roads already have telematics installed, therefore we knew the easiest solution would be to provide Flock with a tool to make use of this existing data.

SmartLink enables Flock to:

  • Get almost immediate access to a potential customer’s historic telematics data simply by requesting access to their telematics API
  • Access a unified overview of driver risk, without having to mandate specific telematics, via a tech agnostic feed which pulls data from their policyholder’s existing kit
  • Work with their policyholders to identify opportunities to improve the safety of their fleet using a shared view of their driver behaviour data
  • As an added bonus, optimise their FNOL process via SmartLink’s included triage service which verifies collision notifications before passing them on


  • SmartLink eliminates the legwork. It gives us the data we need to run risk insights and offer usage-based pricing.

    Without it, it wouldn’t really be possible to do what we’re trying to do, which is be tech agnostic. We’d probably have to provide one set of telematics to the customer.

    Kelsey McGrath, Operations Manager