Innovation intelligence brief
Innovation intelligence brief
Allianz BonusDrive ist die clevere KfZ-Versicherungslösung für junge Leute von 17 bis 28, aber auch für junge Paare und Eltern, solange einer der berechtigten Fahrer unter 29 Jahre alt ist. Die App zeichnet Deine Fahrten auf und analysiert diese anhand von mehreren Kriterien wie Beschleunigung, Brems- und Kurvenfahrverhalten, Geschwindigkeit, Tag/Zeit und Straßenart. Auf diese Weise bestimmst Du am Ende selbst, wie viel Du sparen willst. Denn je vernünftiger Dein Fahrstil ist, desto höher wird Dein Bonus und damit Deine Beitragsrückzahlung.
What became of it
Completed · Medium confidence · Last verified 2026-10-17
As catalogued
Smartphone-based telematics add-on to Allianz motor insurance in Germany for young drivers (17-28): the app scored acceleration, braking, cornering, speed and time of driving, and safer driving earned a premium refund.
2026 reality
BonusDrive is still offered as an add-on to Allianz Komfort and Premium motor policies for privately used vehicles, now for drivers of any age (up to ten additional drivers). It pays a 10% start bonus after 100 km and an annual bonus of 10/20/30% based on monthly medal scores; poor scores do not raise the premium.
Eligibility was extended from young drivers (17-28) to drivers of all ages, and the bonus became a tiered medal system; the rewards-based telematics model is otherwise unchanged.
opening the product to all ages turns a youth-segment acquisition tool into a general telematics option for Allianz motor customers.
one of the longest-running app-based telematics tariffs in Germany; reward-only design (no penalty) remains distinctive versus surcharge-based UBI.
Third taxonomy
REVIEW · Verified on allianz.de that BonusDrive is offered for Komfort/Premium policies regardless of driver age, with 10% start bonus and 10/20/30% medal tiers and no premium increase; no changes.
Documented evidence
Overview
Drive log
Rating
Stats
Homepage
How
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.