--- title: "MOTER Technologies" description: "MOTER Technologies utilized Guidewire Cloud, Jutro Digital Platform, and PwC to build a scalable insurance engine that onboards OEM partners in days and automates underwriting with 100+ real-time data points." url: "https://www.guidewire.com/es/customers/success-stories/moter-technologies.md" language: "es" locale: "es" --- # MOTER Technologies MOTER Technologies utilized Guidewire Cloud, Jutro Digital Platform, and PwC to build a scalable insurance engine that onboards OEM partners in days and automates underwriting with 100+ real-time data points. Meet MOTER Technologies Inc. Revolutionizing Embedded Insurance for the Automotive Industry ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---success-heros/customer-hero-moter--500x200.jpg?h=200&iar=0&w=500) [See How They Did It](#auto) 2 ### The Challenge Auto OEMs lacked a scalable, integrated way to offer embedded insurance within the digital car-buying journey. Legacy systems and fragmented processes prevented them from delivering the seamless, digital-first experiences demanded by modern consumers. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/customer-details-static-icons-and-images/the-challenge-icon.png?h=59&iar=0&w=54) ### The Solution MOTER built a modular, white-label insurance platform on Guidewire Cloud. This API-first architecture leverages Marketplace accelerators to launch fully branded, customized insurance experiences for OEM partners in under 90 days. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/customer-details-static-icons-and-images/the-solution-icon.png?h=57&iar=0&w=57) ## Accomplishments That Count ### >60% REDUCTION IN IMPLEMENTATION TIME COMPARED TO TRADITIONAL MODELS ### >80% REUSABILITY OF CODE AND CONFIGURATIONS ACROSS DIFFERENT OEM PROGRAMS ### >90% COMPONENT REUSABILITY WHILE MAINTAINING UNIQUE OEM-SPECIFIC BRANDING ### 100+ REAL-TIME DATA POINTS INTEGRATED PER QUOTE FOR PRECISE RISK-ADJUSTED PRICING ### MOTER Technologies Inc. MOTER Technologies Inc. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-quote-headshots/427x410-moter-quote--adrian-thompson.jpg?h=410&iar=0&w=427) We implemented a business and technical architecture that enables us to onboard new OEM partners in under 90 days, which is simply unheard of. These capabilities have led directly to business development success in multiple cases. ## How MOTER Technologies Engages, Innovates, and Grows Efficiently ### Business Benefits - Deployed tailored, white-labeled insurance products for OEM partners in under 90 days - Onboarded new automotive partners in days rather than months - Automated underwriting and pricing decisions by integrating more than 100 real-time vehicle and driver data points per quote - Achieved 80% code reusability across programs to scale the platform rapidly while maintaining unique branding for different automotive makes - Streamlined end-to-end digital workflows—from address validation to electronic signatures ### The Story MOTER Technologies, a data-driven insurtech company and Managing General Agent (MGA), is dedicated to bridging the gap between the automotive ecosystem and the insurance industry. By specializing in the science of vehicle data, MOTER enables Automotive Original Equipment Manufacturers (OEMs) to offer seamless, embedded insurance products directly to their customers. While legacy carriers often struggle with the technical barriers of connected car data, MOTER was built specifically to turn that data into actionable risk insights. "Most insurers digitize existing processes, but MOTER chose to start from scratch—designing Personal Auto insurance around the needs of OEMs, agents, and modern consumers," said Scott Nelson, Chief Insurance Officer at MOTER. "From the ground up, MOTER built a product experience where data, automation, and user experience drive the entire value chain—and Guidewire was the platform that made it real." To meet the high branding standards of global automotive leaders, MOTER required a front-end that could be both robust and highly adaptable. WIth the help of [PwC](https://marketplace.guidewire.com/partner/0013000000AbzHMAAZ/pwc), they turned to the Jutro Digital Platform to build their interface. "By leveraging the Jutro Digital Platform, we created a high-fidelity, white-label UI that allows us to deliver a seamless consumer journey integrated directly into the car-buying process," said Adrian Thompson, Chief Customer Officer at MOTER. "This framework ensures we maintain over 90% component reusability while still providing each OEM partner with a unique, fully branded experience that meets their specific aesthetic requirements." The foundation of this innovation is MOTER’s data-driven Personal Auto engine, architected on the InsuranceSuite on Guidewire Cloud. MOTER created a unified environment where information moves at the speed of the digital car-buying process. "At the center of this innovation is our data-driven engine on Guidewire Cloud, where we leverage more than 100 real-time data points per quote to automate every stage of the process, from underwriting and pricing to discounting," said Nelson. "The use of Cloud Data Access (CDA) ensures we have the real-time visibility needed to refine our risk models and improve operational efficiency." Speed to market was a critical differentiator for MOTER as they competed for OEM partnerships. Working with PwC, they utilized Guidewire Marketplace accelerators to bypass traditional development hurdles. "We successfully executed one of the industry's fastest-ever Guidewire rollouts, streamlining operations onto a unified platform," Nelson noted. "This didn’t just accelerate our growth as a personal auto MGA; it enabled us to execute a full-suite implementation for Commercial Auto in under three months, which is an incredible benchmark for the industry." Beyond core policy management, the platform’s ability to ingest and interpret telematics data is what truly sets it apart. "Our ability to ingest direct vehicle data through Guidewire Cloud gives us an impartial perspective on liability that traditional insurers simply cannot match," added Thompson. "These technical capabilities have become the focus of our talking points with potential OEMs and have led directly to business development success in multiple cases." The integration of third-party services like [Verisk](https://marketplace.guidewire.com/partner/0013000000ITWV2AAP/insurance-services-office-iso) for driver and vehicle data, [Docusign](https://marketplace.guidewire.com/partner/00180000012JYK4AAO/docusign-inc) for signatures, and [One Inc](https://marketplace.guidewire.com/partner/0012T00001YfOh7QAF/one-inc) for payments further ensures a "zero-touch" digital experience. "The seamless integration with our partners eliminated manual steps and gave us the ability to generate tailored, accurate quotes in seconds," says Nelson. Looking to the future, MOTER is already preparing for the shift toward autonomous mobility. Their Guidewire-based architecture is ready to transition from driver-centric risk to vehicle-centric liability. "We are focused on getting our software onto the vehicle so we can provide an impartial perspective on liability," Nelson explained. "Our automation rate is already exceeding industry benchmarks, and by continuing to scale on Guidewire Cloud, we are ready to lead the industry into the next frontier of mobility." --- ![podcast title card - InsurTalk with guest Adrian Thompson of MOTER](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/misc/podcast-title-card--moter--384w.jpg) Your browser does not support the audio element. --- ### Sidebar Static Links Item 02 [BillingCenter](/es/products/core-products/insurancesuite/billingcenter-insurance-billing-software) ### Sidebar Static Links Item 05 [ClaimCenter](/es/products/core-products/insurancesuite/claimcenter-claims-management-software) ### Sidebar Static Links Item 03 [PolicyCenter](/es/products/core-products/insurancesuite/policycenter-insurance-policy-administration) ### Sidebar Static Links Item 01 [Guidewire Cloud](/es/products/technology/guidewire-cloud) ### Sidebar Static Links Item 04 [Jutro Digital Platform](/es/products/technology/guidewire-jutro-digital-platform) ## Guidewire products that made it possible ### Media Card Item 01 ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/press-releases/thumbnails/pr-logo-gw-marketplace.png?h=320&iar=0&w=560) [Visit Guidewire Marketplace](https://marketplace.guidewire.com/) ### Media Card Item 02 ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/resources/data-sheets---brochures/data-sheet-image-insurancesuite--560w.jpg?h=320&iar=0&w=560) [Download InsuranceSuite Brochure](https://explore.guidewire.com/c/guidewire-insurances-3?x=8orgeJ) ## Dive Deeper ## Browse More Customers ### Capital Insurance Group See Their Story ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-capital-insurance-group--350w.jpg?h=350&iar=0&w=350) [/es/customers/success-stories/capital-insurance-group](/es/customers/success-stories/capital-insurance-group) ### CopperPoint See Their Story ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-copperpoint--350w.jpg?h=350&iar=0&w=350) [/es/customers/success-stories/copperpoint](/es/customers/success-stories/copperpoint) ### Encova Insurance See Their Story ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-encova--350w.jpg?h=350&iar=0&w=350) [/es/customers/success-stories/encova](/es/customers/success-stories/encova) ## Want to Learn More? 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