Abstract
Although Usage-Based-Insurance has a wide range of applications, it is
practically nonexistent in India. We have done research to help design a system that
combines IoT, ML, and cloud to help us overcome this problem as a next step. The
goal is to create a machine learning model for the cloud that will allow us to calculate
driver and customer safety scores based on where and how the car has been driven. We
were able to do this by evaluating information from our smartphone's sensors. Utilizing
this data and classification system, problems like Usage-Based-Insurance can
subsequently be resolved in the real world (UBI). Usage-based insurance has proven to
be efficient and appealing to both insurers and the ones insured in a wide range of
countries. The use of this method is sparse to nonexistent in India, but it is on the
horizon. As a result, there is a lot of potential for our research and suggested works on
UBI in India.