Roadzen Inc. (“Roadzen” or the “Company”), a global leader in AI at the intersection of insurance and mobility, announced that its drivebuddyAI platform has been granted a patent in India for its Cognitive Assessment of Risk for Drivers (CARD) scoring system, with patents pending in the U.S. and Europe.
While traditional driver scoring models focus on isolated risks such as hard braking and speeding, drivebuddyAI’s Cognitive Assessment of Risk for Drivers (CARD) system takes a comprehensive and context-aware approach. It analyzes simultaneous hazards like drowsiness, collision warnings, seatbelt or phone-use violations, and environmental factors such as road conditions and weather. A clustering algorithm correlates compounding issues—for example, speeding on wet roads or drowsy driving during late hours—to yield real-time risk insights. Through personalized coaching and a rewards-and-penalties framework, the system fosters safer driving behaviors and supports fleet operators and insurers with risk-based premium calculations and proactive safety interventions.
Our experience with thousands of drivers generating over a billion kilometers of driving data has proven the need for an integrated approach that unifies multiple data streams into a contextual algorithm. The net result of our comprehensive system approach has delivered up to 70% reduction in accidents,” said Nisarg Pandya, CEO at drivebuddyAI. “By precisely weighting each risk factor and providing real-time insights, we empower fleets to proactively enhance safety and efficiency.”
Roadzen’s DrivebuddyAI also recently became the first system to receive Automotive Research Association of India (ARAI) validation under India’s AIS 184 standard—expected to be mandatory for all six million commercial vehicles in India by 2026—making it the only fully compliant driver safety system available for automotive OEMs.
“Embodied AI—or agents that perceive, learn, and make decisions while operating in the real world—represents an incredible opportunity to transform both insurance and mobility, industries that exceed a trillion dollars in annual spend. Every driver benefits from improved road safety, while insurers gain more precise control of underwriting through our CARD scoring algorithm. We see this as a win-win for everyone. Our innovations show that Roadzen remains peerless in this vertical, and we plan to continue innovating for sustained growth,” said Rohan Malhotra, Founder and CEO of Roadzen.
