Underwrite the vehicle, not the paperwork.
Jamaican motor portfolios carry structural headwinds: rising claims frequency, fraud pressure on staged incidents, and an uninsured- vehicle segment that distorts premium pools. Application-time signals (policyholder history, vehicle age) only go so far. What actually correlates with claims is behaviour on the road, and that is precisely what no carrier has visibility into today.
Community Observation Index (COI)
a parish- and vehicle-level behavioural risk score derived from Trust Engine-verified citizen observations.
Gatekeeper API
a single endpoint that returns COI and supporting evidence for a registration lookup, designed for application-time and renewal flows.
DPA 2020 compliant data flows
lawful basis is documented; data subject rights are supported; cross-border processing follows the OIC-published transfer framework.
Pilots begin with a scoped portfolio slice — typically a single vehicle class or parish — and run for 90 days with read-only COI access. Integration into the carrier’s existing underwriting workflow is the output, not a product requirement: we meet you where your decisioning already lives.