Insurance & Leasing

GPS tracking, vehicle recovery and telematics-based risk scoring for vehicle leasing and insurance operators across Africa.

Protect assets, reduce claims and score driver risk in real time

Vehicle telematics for leasing companies and motor insurers across Africa: AFTECH equips vehicle leasing companies and motor insurers across Africa with the telematics infrastructure to track every asset, recover stolen vehicles within hours, score driver behaviour for risk-based pricing, and validate or refute accident claims with precise location, speed and impact data.

From single-vehicle policies to multi-thousand-asset lease books, our platform scales — and our local installation teams deploy across Senegal, Guinea, Sierra Leone, Liberia, Côte d’Ivoire, Zambia and South Africa. Whether you’re underwriting commercial fleets, leasing vehicles to corporate clients, or insuring private motor risks, AFTECH’s telematics platform turns every kilometre driven into actionable intelligence — for claims, recoveries, premium pricing and asset protection.

Real-time tracking, remote immobilisation and API billing

Track every leased vehicle in real time, monitor driver behaviour and total kilometres travelled, and remotely immobilise any unit when payment defaults — enabling swift recovery without dispatching repossession teams. AFTECH's open API integrates odometer readings directly into your billing and ERP platforms, so per-kilometre invoicing, mileage-cap alerts and end-of-lease settlements happen automatically — no manual data entry, no reconciliation lag, no billing disputes.

Driver behaviour scoring for risk-based pricing and premiums

AFTECH telematics generates continuous driver scoring data — speeding, harsh braking, aggressive cornering, night driving, mileage patterns — feeding directly into actuarial models for usage-based insurance (UBI) and pay-how-you-drive (PHYD) pricing. Insurers segment risk at the individual policy level instead of relying on demographic proxies. Leasing operators identify high-risk drivers before claims happen — and price renewals or vehicle assignments accordingly. The result: better-priced books, lower loss ratios, and policyholders who reward safe driving with lower premiums.

Protect residual values and resale margin with full digital service history

AFTECH's Workshop Management Software (WMS) gives leasing operators a complete, auditable record of every service, repair and part replacement across every vehicle in the portfolio. Schedule preventative maintenance automatically. Pull a full work history with a single click. Identify the vehicles whose maintenance costs are eroding margin, and time disposal decisions accurately — protecting the resale value that underpins your lease-end economics.

Recorded video proof for liability, recovery and disputes

AFTECH AI Dashcams capture continuous, time-stamped footage from inside and outside every vehicle — providing irrefutable visual evidence for claims disputes, liability determination and fraud investigation. When an accident happens, you don't argue over whose version is right. You play the video. Visible cameras alone deter opportunistic theft and reduce fraudulent claims; when incidents do occur, AI-powered event detection flags collisions, harsh braking and unauthorised access in real time.

Our solutions

Advanced Fleet Telematics

Continuous visibility across every insured or leased asset — live position, ignition, driver behaviour, mileage and geofence breaches feeding directly into underwriting, claims and billing systems.

Video Telematics – AI Dashcams

In-cab and external cameras with on-device AI — detecting collisions, harsh driving, distraction and unauthorised drivers in real time, with timestamped video evidence uploaded to the cloud.

CCTV and Alarm Systems

Real-time surveillance and 24-hour monitored alarms for insurance offices, leasing facilities, vehicle yards and impound lots — protecting the assets your underwriters depend on.

Built for African insurance and leasing portfolios — at any scale

Whether you’re underwriting commercial fleet policies in Senegal, managing a 500-vehicle lease portfolio in Côte d’Ivoire, or insuring private motor risks in South Africa, AFTECH’s cloud platform consolidates every vehicle, every driver and every kilometre into a single underwriting and operations view.

Live position data. Behaviour scoring. Mileage and odometer feeds. Geofence and unauthorised-use alerts. Maintenance and service history. All accessible from a single dashboard, integrated with your existing systems via API, and locally supported by AFTECH installation and service teams across six African countries.

Resolve claims faster with verified real-time evidence

Real-time incident alerts, GPS position data and synchronised CCTV footage land in your claims platform the moment an event occurs. Adjusters open files with evidence already attached — speed, location, impact severity, video — cutting investigation time from weeks to hours, and dispute resolution from months to days.

Grow your portfolio without growing your admin team

Configure custom contract rules per client — mileage caps, geographic boundaries, authorised drivers, service intervals, billing terms — and let the platform enforce them automatically. New vehicles join the portfolio in minutes, not days. Monthly invoicing runs from telematics data without manual reconciliation. Your team manages exceptions and growth, not data entry.

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