KeyTurn MicroLiability: Insurance Within Reach

The central processing unit of the device, responsible for executing firmware, managing communication protocols (CAN, cellular, BLE), and processing raw data from vehicle systems. It operates on a real-time operating system (RTOS) to ensure deterministic performance for critical ignition event detection.

A dedicated hardware interface that allows the OBD-II device to securely and non-intrusively communicate with the vehicle's internal network (CAN bus). It passively listens for specific messages related to ignition status, engine RPM, and vehicle speed, crucial for determining active driving periods.

A low-power cellular modem (LTE-M/NB-IoT) with an embedded SIM card facilitates secure, wide-area data transmission to the KeyTurn Cloud Platform. This ensures continuous connectivity for telemetry data, even when the mobile app is not active or present.

Provides precise geographical positioning data. While not used for per-second billing, GPS data can be utilized for geo-fencing applications, regional risk analysis, and enhanced fraud detection, adding another layer of intelligence to the collected telemetry.

Manages the device's power consumption, allowing it to draw minimal current from the vehicle's battery when idle (e.g., in sleep mode) and wake up instantly upon ignition. This intelligent power cycling ensures the device is always ready without impacting vehicle battery life.

A dedicated hardware security module (HSM) or secure element stores cryptographic keys, device identities, and performs encryption/decryption operations. This critical component protects the integrity and authenticity of data originating from the device, preventing unauthorized data injection or tampering.

Drivers only pay for the exact time their ignition is ON. This precisely aligns cost with actual usage, drastically reducing premiums for occasional, part-time, and low-mileage drivers. For instance, a driver using their car only for weekend errands could realize savings of hundreds of dollars annually compared to a traditional flat-rate policy, making insurance genuinely affordable and equitable. This granular billing model ensures fairness, eliminating the need to subsidize other drivers' usage, a common pain point in traditional insurance. It transforms insurance from a fixed expense into a variable cost, giving drivers unprecedented control over their spending.

Our system eliminates long-term commitments and rigid contracts. Drivers can activate and deactivate coverage with a simple tap via the mobile app, offering unparalleled flexibility. This is particularly beneficial for gig workers who require coverage only during shifts, seasonal drivers who store their vehicles for months, or multi-car households where vehicle usage is intermittent and unpredictable. This flexibility supports modern lifestyles and diverse employment models, providing coverage only when truly needed and pausing it when not, optimizing cost efficiency for the driver.

Instant digital proof of insurance, accessible via the mobile app, ensures provincial compliance is maintained whenever the vehicle is in operation. This eliminates the stress of being uninsured and provides immediate financial security in case of an accident. Drivers can confidently use their vehicle knowing they are covered for the precise duration of their trip, avoiding legal penalties and ensuring prompt claims processing. The real-time verification capability offers unparalleled transparency and assurance, a significant upgrade from traditional paper-based systems or delayed coverage confirmations.

The mobile app provides clear, granular statistics on driving time, kilometers traveled, and associated costs. This empowers drivers with actionable data to manage their expenses, understand their usage patterns, and make informed decisions about their driving habits. Features like "Driving Stats" and "REPORTS" offer detailed overviews, including historical usage trends and cost breakdowns. The "VEHICLE COVERAGE INQUIRY" provides instant policy status and eligibility. This level of transparency fosters trust and enables proactive financial management for the driver.

KeyTurn opens up insurance access for millions previously priced out by traditional models, including young drivers, new immigrants, and those in the burgeoning gig economy. By offering a cost-effective entry point, KeyTurn addresses a critical market failure. This fosters greater equity and safety on roads by ensuring more drivers are properly insured, thereby reducing the societal burden of uninsured accidents and promoting broader financial inclusion across diverse demographics.

By aligning cost directly with usage, KeyTurn helps alleviate the significant financial strain of high insurance premiums. This allows drivers to allocate their resources more effectively towards other necessities or savings, improving their overall financial well-being and economic stability. The ability to pay only for what's used means less capital is tied up in fixed, potentially over-priced insurance costs, freeing up liquidity for consumers.

The "Manage Account" feature within the app provides a user-friendly portal for drivers to easily view their policy details, payment history, and usage summaries. This streamlines the insurance experience, making it straightforward and transparent, reducing administrative friction for the end-user. Automated billing and clear reporting minimize the need for manual intervention, enhancing overall user satisfaction and reducing customer service inquiries.