Frequently
Asked Questions 

KeyTurn MicroLiability is an innovative infrastructure that enables insurance companies to offer per-second, on-demand auto liability coverage. It means insurance activates precisely when your vehicle's ignition is on and pauses automatically when it's off, ensuring you only pay for the exact time you're covered.

Traditional insurance relies on static factors and fixed terms, leading to inflexible and often unfair pricing. KeyTurn, conversely, uses real-time ignition data to offer dynamic, per-second billing, directly aligning your cost with your actual usage and risk exposure.

No, KeyTurn is a technology provider. We build the patented hardware and software infrastructure that enables existing insurance companies to offer revolutionary MicroLiability products to their customers. We partner with insurers, empowering them to innovate.

By enabling per-second billing based on ignition-on time, KeyTurn drastically reduces costs for occasional, part-time, and low-mileage drivers. You only pay for the exact moments you're actually driving, eliminating overpayments for idle periods or infrequent use.

KeyTurn offers unparalleled flexibility with on-demand activation and deactivation of coverage. There are no long-term contracts, making it ideal for gig workers, seasonal drivers, or anyone with variable driving patterns. You have direct control via our mobile app.

Our mobile application provides instant, digital proof of insurance that is always up-to-date. This ensures you maintain provincial compliance whenever your vehicle's ignition is on, offering peace of mind and easy roadside verification.

KeyTurn is particularly beneficial for occasional drivers, gig economy workers (e.g., rideshare, delivery), young drivers, and anyone who struggles with the high costs of traditional insurance. It expands access to essential coverage for millions previously underserved or excluded.

KeyTurn opens up multi-billion dollar segments of drivers previously unprofitable or unreachable, such as occasional drivers, gig workers, and young drivers. We provide the infrastructure to serve these underserved markets, creating significant new revenue streams.

Absolutely. Our system leverages granular, real-time ignition data for highly accurate underwriting and significantly reduces fraud associated with unverified usage. The anti-tamper hardware and encrypted data transmission ensure precision risk assessment and improved loss ratios.

Our robust cloud platform automates policy binding, rating, and settlement for micro-policies. This dramatically reduces manual administrative overhead, streamlining operations, lowering costs, and enabling insurers to manage high volumes of policies with greater efficiency.

Insurers gain access to rich, real-world driving data, including ignition events, driving duration, time of day, and general location context. This granular data enables sophisticated actuarial analysis, dynamic pricing models, and detailed reporting for regulatory compliance and business intelligence.

The KeyTurn system comprises three core components: the custom-engineered OBD-II device (hardware), the intuitive KeyTurn Mobile Application (software for drivers), and the robust KeyTurn Cloud Platform (backend software for processing and insurer integration).

The compact OBD-II device plugs into your vehicle's diagnostic port. It securely tracks ignition status with millisecond precision and transmits this encrypted data via a low-power cellular module to our cloud platform. It's designed for durability and anti-tamper protection.

The mobile app (iOS/Android) is your direct interface. It allows for easy account setup, device pairing, real-time viewing of your insurance status and usage, estimated charges, and provides instant digital proof of insurance. It also offers driving stats and reports.

The Cloud Platform is our scalable, secure backend. Built on a microservices architecture, it processes ignition data in real-time, calculates premiums, automates billing, and provides insurers with comprehensive dashboards and APIs for policy administration, data access, and regulatory reporting.

Data security is paramount. We use end-to-end encryption (TLS 1.2+, AES-256) for all data in transit and at rest. Our hardware includes an HSM, and our platform employs strict Role-Based Access Control (RBAC). We adhere to industry security standards like ISO 27001 and comply with privacy laws like PIPEDA.

No. KeyTurn's primary pricing metric is ignition ON/OFF time. While the OBD-II device can collect optional GPS data for general location context (e.g., urban/rural zones) and enhanced analytics, it does *not* monitor specific driving behaviors like speeding, hard braking, or rapid acceleration for premium calculation. Our focus is on usage duration, not driving style.

We operate on a B2B2C enablement model. We provide the complete technology stack (hardware, software, platform) to existing insurers, allowing them to launch their own per-second MicroLiability products quickly and efficiently, without needing to build the complex infrastructure themselves.

KeyTurn is meticulously designed for provincial regulatory compliance. Our platform facilitates automated generation of provincially compliant documentation and granular reporting, essential for regulatory audits across Canada (e.g., FSRA in Ontario, AIRB in Alberta). This reduces the compliance burden for our insurer partners.

KeyTurn envisions a future where auto insurance is truly equitable, flexible, and accessible for every driver. By shifting the focus from imprecise proxies to the clear, verifiable metric of time, we aim to provide the infrastructure for the most fair and modern auto insurance model available, unlocking new markets and fostering greater societal equity.