Category Archive: Road Safety Estimation


SafetyNex episode 1 : Driving Risk Assessment

Nexyad explains in this video the key notion of driving risk. From zero risk when the car is sleeping into the garage to 100% risk when driving behaviour is by far not adapted to a particular road context.


SafetyNex driving risk estimation during driving : anticipation of danger

SafetyNex estimates driving risk 20 times per second, during driving (real time).
On the following figure, you can see risk rising when approaching a stop sign with an inappropriate car speed :

Example of driving 1
Speed of the car is quite high before the STOP sign and Risk goes to the maximum with a vocal alarm to the driver which have time to slow down or brake to stop.

Now with a slower speed profile :

Example of driving 2
Speed of the car is lesser here but still too high approaching the STOP sign, there is a vocal alarm again but for lesser time.

And finally the “good” safe speed profile :

Example of driving 3
There is a good anticipation here before the STOP sign, speed is adequate and risk is very low, then null.

This estimation is computed INSIDE the local device (inside the car). Current implementation is on smartphones (IOS and Android), then computing of risk is completely done INSIDE the smartphone : that makes SafetyNex compliant with all driver’s privacu regulations and laws in Europe.

Applications :
. insurance and fleets : vocal alert when risk is too high. As you can see, it lets time to slow down and avoid potential accident. This leads to a reduction of accident rate and a reduction of personal injuries. Of course, risk values can be recorded to do stats (risk profiles) for UBI (Usage Based Insurance) applications. 
. Automotive : same application is navigation with risk alerts. But with a robotized braking system (ADAS), it is possible to trigger braking with risk value. In such a case, it is not emergency braking but rather anticipation braking. 

In addition, it is possible, in the case of HAD (highly Automated Driving) car, to control speed (longitudinal part of auto pilot) very easily : “if risk too high, then slow down”, “if risk is low, then accelerate until risk becomes the max value you accept or until you’re at the speed limit”. You write your autopilot with very few lines of code !


SafetyNex Episode 3 : le choix des assureurs auto


Individual driving risk assessment and car insurance : what applications ? what business models ?

As many people know now, NEXYAD has been developing the first real time driving risk assessment system called SafetyNex.

SafetyNex is currently available in B2B :
          . as a smartphone App (Android and IOS)
          . as a real time driving risk assessment API that OEMs and Insurers may integrate into their own smartphone App or into their own telematics or ADAS device (Android, iOS, Linux, Windows).

This real time driving risk assessment module has been validated on 50 million km, and applies proven methods for risk assessment, using, for instance, the Frank E. BIRD “safety triangle” concept, and running in real time a knowledge-based system AI that has been built by NEXYAD since 2001. It took 15 years to extract thousands of road safety knowledge atoms from experts of 19 countries. Some of this knowledge is directly operational, some is deep knowledge on detection theory (a mix of Information Theory and Knowledge on Human Brain abilities). And of course, SafetyNex also applies fundamental knowledge on mechanics (braking abilities, …) including complex issues such as grip for example.

A tough work was to be made in order to build such a knowledge-based system that could cope with “gradual truth” and could run a complex knowledge-based model in real time. Implementation uses fuzzy sets both for facts and knowledge representation, and competition between knowledge atoms uses deep Possibility Theory concepts. Of course, SafetyNex deals with dynamic problems (road accident, with distances, speed, …) and had to find a proper representation of TIME. NEXYAD was not very quick to develop all those solutions and to integrate them into a product called SafetyNex : SafetyNex is proposed for sale since Jan 2017 (first R&D on SafetyNex : 2001). But the result is efficient : you can run SafetyNex on your smartphone while driving your car and see how it helps you to drive much safer without alerting for nothing.

This unique technology places now NEXYAD in the center of the worldwide telematics/adas/data collecting race for car insurers.

So let’s see what are the main applications of SafetyNex for car insurers :

          . PREVENTION : SafetyNex alerts (vocal alert) driver BEFORE a dangerous situation, letting time to slow down and avoid accident. It is the best prevention tool ever : studies showed that 20% of accident can be avoided (then also 20% of personal injuries and fatalities !!!). SafetyNex is the ONLY tool that runs in real time inside the smartphone or inside the telematics/adas devices and then is the ONLY module that can alert driver (all the other systems apply scoring methods on the cloud …). This is a major differenciation for SafetyNex : avoid accident ! Observation of drivers using SafetyNex showed that they change their way of driving in order to mimnimize the number of alerts, then they change their driving behaviour in the long term.

          . COMMUNICATION : SafetyNex gives driver a score of Safe Driving after every trip. This is a positive way of presenting risk and driver appreciate being given a gold cup for his/her high safe driving score. You can imagine many ways to communicate for car insurers. Example : every year, sort all drivers (customers) of a country, find the best (highest SafetyNex safe driving score) and give a huge incentive (offer a brand new car, for instance). Such an incentive tranforms the car insurer’s customers set into a community that tries to drive better, and you can build of course a social network for experience share and local challenges … etc. This is a simple and very concrete use of digital technology both for getting better profits and for saving lives. Marketing executives call this ‘the Nudge Theory”. SafetyNex is a natural candidate for applying this Nudge Theory.

          . KNOWLEDGE : car insurers only know about risk by accident observation. Although the theory of Frank E. BIRD (safety triangle) shows that the proper variable to observe would be what is called “near miss” or “quasi accident”. SafetyNex alerts every time that driver’s behaviour leads to a quasi accident situation. Then car insurers can use SafetyNex to build this new knowledge and sort and cross all their variables with this new notion. Actuaries will quickly find clever ways to use those new sets of data and you will be surprised to see how productive data scientists can be when they have a direct access to new qualified huge set of data.

          . USAGE BASED INSURANCE : Of course, SafetyNex is THE perfect tool for UBI. At the end of every trip, SafetyNex sends data (statistics) : usage (urban, road, highway, time, duration, km, postal code, etc …) and risk (risk profiles). Then it is very easy to propose Usage Based princings (‘as you drive” or “how you drive” etc).

SafetyNex Risk and usage crossed

It is important to notice that real time abilities of SafetyNex also simplify business models :

          . Anyway car insurer does effective prevention with SafetyNex : it is only needed to avoid few personal injuries and fatalities to “pay” the deployment of SafetyNex. That’s the key of SafetyNex deployment : SafetyNex alerts driver WHILE DRIVING and BEFORE danger, then many accident are avoided … then many personal injuries are avoided. If you know the price of a personal injury in you car insurance, then you see that SafetyNex price was made in order to let you get a fair ROI on this issue.
          . Communication (incentive) is then already paid by the number of avoided personal injuries !
          . and in addition, car insurer gets qualified data : for knowledge acquisition and UBI opportunities study.

As a conclusion, we can remember main facts :

          . SafetyNex real time abilities make it VERY DIFFERENT from any other risk assessment solutions (using stats and data science in the cloud) because then SafetyNex ACTS on driving behaviour BEFORE accident and then lets avoid many accidents.
          . Prevention effect of SafetyNex finances it deployment cost.
          . Knowledge extraction and UBI opportunities business models can be done without stress as SafetyNex already gives a fair ROI to car indurer.

Some OEMs and insurers already started to integrate SafetyNex API into their smartphone App or into their telematics/adas device.

It is now time to move forward to the 21st century with digital insurance.


Road accident and driving risk are two different notions

A lot of professionals that must cope with road safety observe accident through statistics : it seems to be normal to think that safety is low where there are a lot of accidents and that safety is high where there are few accidents.
This reality tends to make people confuse the two notions : risk and accident.
And since you stay at the statistic level, then it works : if 99% of people that played russian roulette more than 50 times have died (accident), then you can say that russian roulette is risky (risk).
Insurance companies, fleet managers, have taken into account those statistics, in order to estimate their future costs, and compute their pricing.
But now, digital connected devices are available at the very individual and local level : telematics (professional devices installed into cars), smartphones, connected car, can estimate the driving behaviour in real time and they know exactly where you drive.
Then, what this new technology brings to risk assessment ? and can you still apply at the individual level the ideas that was set at a population (statistics) level ?
That question was studied in 1969 by an American University Professor that was also a researcher for the company “Insurance of North America”, Frank E. BIRD, and a key notion was then used : the “incident” or “near miss accident” or “quasi accident”. It was shown that the risk you take does not lead to accident but to “quasi-accident”. Indeed, even in very risky situations, accident can be avoided most of the time at the very last second ! Frank E. BIRD worked on what was called “The Triangle of Risk” or “Safety Triangle”
Sometimes, you do not have luck … and then you have an accident instead of having a quasi-accident.

Pyramid of Risk Example of Statitical Relationship in Risk Assessment : from Behaviour to Fatalities

Then accident is the confluence of “risk you take” and “bad luck”. It is interesting to notice that, if you do not study the individual and local (in space and time) level, so if you consider a large population of drivers during a long duration, then “bad luck” automatically disappears… and so risk can be measured by observation of accident. But at the individual and local levels, risk cannot be measure by observing accident.
It is interesting to read about Safety Triangle and then have a clear idea of links between RISK, ACCIDENT, SEVERE PERSONAL INJURIES.
In road Safety concerns, researchers and experts have been working during 50 years on this concept of quasi-accident and they accumulated data and knowledge about this key notion. Let us resume the russian roulette comparison : pulling the trigger is the quasi-accident … and sometimes you die (accident). But even before playing such a “game” you KNOW that it is risky.
The knowledge of risk is represented by a collection of cause-effect relationships.
There is a knowledge-based artificial intelligence system that gathered the knowledge from road safety experts and researchers (that work mainly on road infrastructure) and that is now available in order to assess driving risk in real time : SafetyNex developed by the company NEXYAD. SafetyNex is the “thermometer” of driving risk and it alerts the driver BEFORE the dangerous situation, letting time to slow down and then potentially to avoid accident, to reduce severity (less personal severe injuries), …
Obviously, markets are :
. car insurance (prevention, severity, UBI)
. fleet management (prevention, reduction of costs, fit in regulations and laws)
But even the automotive can take benefit of suche a real time driving risk assessment module :
. intelligent navigation with risk vocal alerts
. automatic triggering of braking for ADAS (if risk too high then slow down)
. driverless cars : giving to the artificial intelligence that drives the car the perception of the risk it takes…
SafetyNex opens the door to a new generation of onboard applications for every field of automotive sector that is concerned with risk and safety.
Read more


NEXYAD won the French Insurance “coup de coeur” (crush) Special Prize with our Driving Risk Assessment Smartphone App SafetyNex

30th Nov 2016, seven high-tech startups had to pitch in front of almost all French Insurance Companies. This was organized by the Cercle LAB (Laboratoire Assurance Banque), at ALLIANZ tower (Paris La Défense) : “colloque prospective annuel du cercle LAB”.

NEXYAD was introduced to Cercle LAB by the competitiveness cluster FINANCE & INNOVATION.
It was an interesting challenge and the jury had to pick only ONE startup from seven talented ones, to give the special prize “coup de coeur des assureurs”.

France Innovation - Cercle LAB - Nexyad SafetyNex
             Gérard Yahiaoui pitching at Allianz Tower                       “Coup de Cœur des Assureurs” Diploma

NEXYAD pitched on SafetyNex : a smartphone App for real time onboard driving risk assessment (with vocal alerts that warn the driver before a potential danger), that can reduce accident rate by 20%.

Winner : NEXYAD !!!

We thank all the insurers that came to this high tech day that gave a broadchurch view on research and development for Insurance applications (artificial intelligence, deep learning, iot, blockchain, telematics, …), we thank Pôle FINANCE INNOVATION & Cercle LAB.


Read more about SafetyNex


New Release of SafetyNex

General ergonomics of SafetyNex has changed and after each run you have immediate results of your driving score with Gold Cup if you are safe.

SafetyNex Screenshots
SafetyNex comprehensive HMI


SafetyNex Revolution in Road Safety

SafetyNex the Smartphone App that revolutionizes automotive world : Autonomous car, Car insurance, Fleet management, use of Telematics for retail.

Version française

SafetyNex is a smartphone application developed and marketed by NEXYAD and which reduces by 20% the number of road accidents [1]. This application is of direct interest to many application targets.

– Driver
– Insurance Companies
– Car Manufacturers
– Fleet Managers
– Mass Marketers

Read the Paper Here


La Révolution SafetyNex

SafetyNex, une App SmartPhone qui révolutionne le monde de l’automobile : véhicules intelligents, assurance auto, gestion de flottes, utilisation du digital pour le retail

English translation

SafetyNex est une application Smartphone développée et commercialisée par NEXYAD, et qui permet de réduire de 20% le nombre d’accidents de la route [1]. Cette application présente un intérêt applicatif direct pour de nombreuses cibles.

– Le conducteur
– L’assureur automobile
– Le constructeur automobile
– Le gestionnaire de flotte auto
– Le grand distributeur

Lire le papier


NEXYAD Intelligence : The Top Five Trends For The Connected Car In 2016

Safety First — Security Will Be Big

An interesting post about Road Safety in Nexyad-Adas Blog.

To read more :

NEXYAD is waiting for that since 2010 as they’ve been developing a module that measures in real time the risk of accident and then can help to prenvent from accident (car manufacturer application) and/or monitor the driver (insurance companies application). This module is called SafetyNex and is the only one that estimates road safety correlated to accident (tested, validated, proven).

To read more and watch demos :

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