CleverDrive

CleverDrive is Mobiliar's smart driving-insurance extension. It pairs with a Bluetooth beacon and automatically records trips to analyze driving behavior such as speed, road type, time of day, and acceleration/braking. The safer and more attentive you drive, the higher your trip score, and the larger the discount you can apply to your motor vehicle insurance next year — up to 25%.

To protect your privacy, all collected data is secured under Swiss data protection law and used solely to determine your driving score. The app requires Location, Bluetooth, Background refresh, Mobile data, Battery optimization (with guidance to disable as needed), and a foreground notification to maintain the Bluetooth connection during trips. The system uses a Bluetooth beacon paired with the app and supports Android 11+ devices.