Full control
01
The device plugs into your vehicle’s OBD‑II port and monitors the ignition status.
Ignition status is detected
02
Ignition status is detected with millisecond precision.
Reinventing Auto Insurance.
Per Second.
Unlock fair, flexible, and accessible MicroLiability coverage for every driver,
powered by real-time technology and a commitment to equity.
Insurance Built
for Yesterday.
Not You.
The traditional auto insurance model, designed decades ago, struggles to meet the demands of today's diverse driving patterns. It relies on static demographic data, often leading to inflexible and unfairly priced policies that fail to reflect actual usage or risk. This outdated approach creates significant barriers, pushing millions of drivers into a precarious state of being either overcharged or completely uninsured.
1.15M+
Canadians Uninsured
36.4%
Premium Rise (2014-2024)
Fair.
Flexible.
On-Demand.
KeyTurn is revolutionizing auto insurance by providing the essential infrastructure for per-second MicroLiability coverage. This innovative approach means insurance activates precisely when the vehicle's ignition is on, and pauses automatically when it's off. Our patented technology enables a truly usage-based future, where drivers pay only for the exact time they are covered, fostering unprecedented fairness and accessibility in the market.
Pay only for what you use, down to the second,
significantly reducing costs for occasional drivers.
Instant digital proof of coverage and flexible
policy management via a user-friendly mobile app.
Expanded access to essential auto insurance for all drivers, including underserved segments like gig workers and young drivers.
Seamlessly Connected.
Always Covered.
Our system operates with remarkable simplicity and robust security. It begins with our custom-engineered OBD-II device, which precisely captures ignition data from your vehicle. This critical information is then securely transmitted to our advanced cloud platform for real-time processing. Finally, your policy status and usage details are instantly updated and reflected directly in your mobile app, ensuring you are always aware of your coverage and costs.
How it Works
Engineering and architecture behind per-second MicroLiability
From vehicle telemetry to cloud-based actuarial processing... read more
Hardware & Software Powering the Future.
KeyTurn's foundation is built upon cutting-edge engineering, combining robust hardware with intelligent software to deliver unparalleled reliability and performance. Our integrated technology stack ensures secure data acquisition, real-time processing, and seamless user experience.
Our Hardware
Our custom-engineered OBD-II device is designed for automotive-grade durability and ultra-low power consumption. It features a dedicated hardware security module (HSM) and precise sensors, ensuring secure and accurate data capture directly from your vehicle's CAN bus.
This robust device forms the critical edge node of our system.
Our Software
The intelligent KeyTurn Cloud Platform leverages a microservices architecture for massive scalability and real-time data processing, including our patented rating engine. Coupled with an intuitive mobile application for drivers and comprehensive dashboards for insurers, our software suite provides a secure, efficient, and fully integrated solution for managing MicroLiability policies.
Benefits for Everyone.
KeyTurn's innovative solution delivers transformative value, fundamentally reshaping the auto insurance landscape for both drivers and insurer partners.
For Drivers:
Fairer costs:
Drastically reduce premiums by paying only for the exact seconds you drive, optimizing your insurance spend.
Total flexibility:
Enjoy on-demand coverage with no long-term contracts, perfect for occasional use or gig work.
Peace of mind:
Always have instant, digital proof of provincial compliance and financial security when your ignition is on.
Expanded access:
Gain access to essential auto insurance, breaking down barriers for underserved segments.
For Insurers:
Untapped markets:
Access multi-billion dollar segments of drivers previously unprofitable or unreachable.
Precision risk:
Leverage granular, real-time data for highly accurate underwriting and significantly reduced fraud.
Operational efficiency:
Automate policy binding, rating, and settlement for micro-policies, streamlining your operations.
Future-proof offerings:
Position your company as an innovator, leading the industry with modern, usage-based solutions.
For Society:
Fewer uninsured
drivers
Increased
road safety
Reduced burden
on public systems
More equitable
insurance access
Evolution of Auto Insurance
The auto insurance landscape is undergoing a profound transformation, moving beyond static, traditional policies to dynamic Usage-Based Insurance (UBI) models. UBI represents the forefront of innovation, offering a more personalized and equitable approach to coverage. The Insurance Bureau of Canada (IBC), established in 1964 as a trade association representing home, auto, and business insurance companies in Canada, actively promotes and lobbies for the insurance industry to governments and the general public. While UBI marks a significant step forward in this evolution, KeyTurn stands at its absolute forefront, offering unprecedented precision and fairness through its per-second MicroLiability solution.
Traditional
Annual Model
Your premium is set for a fixed term (e.g., 6 or 12 months) based on static factors like age, postal code, and driving history. This price remains constant, regardless of your actual driving frequency or mileage during the policy period. It often leads to low-mileage drivers subsidizing high-mileage ones.
Primary Factor:
Static demographics & historical data.
Billing:
Fixed premium for the policy term.
Fairness:
Less equitable for
low-usage drivers.
Pay-as-you-Drive
(PAYD)
This UBI model directly links your insurance cost to the distance you travel. It's ideal for those with a "drive-less lifestyle," such as remote workers or individuals who frequently use public transit. Premiums consist of a base rate plus charges for distance, often in 1,000 km blocks, rewarding reduced road time.
Primary Factor:
Kilometers driven.
Billing:
Base premium + charges per km block.
Best For:
Low-mileage drivers
(e.g., under 12,000 km/year).
Pay-How-You-Drive (PHYD)
PHYD programs analyze your actual driving behavior using telematics. They monitor factors like speeding, hard braking, and rapid acceleration. The goal is to incentivize and reward safe driving habits with discounts. Some PHYD programs may also increase premiums for consistently risky driving behavior.
Primary Factor:
Driving behavior score.
Goal:
Reward safe driving, improve habits.
Risk:
Potential for premium increases
with some insurers.
Canadian Auto Insurance Providers
Usage-Based Insurance Comparison:
KeyTurn vs. CAA MyPace
While both models target usage, KeyTurn’s focus on time instead of distance creates a fundamentally fairer and more flexible system.
CAA MyPace
A driver pays for a 1,000 km block. A short, 5 km trip in heavy traffic costs the same as a 5 km trip on an open highway. The time spent in the vehicle is irrelevant to the cost.
Measures:
Distance.
Billing:
Pre-paid 1,000 km blocks.
Limitation:
Inefficient for short, slow trips (e.g., city driving, traffic jams) which consume kilometers without significant risk exposure time.
KeyTurn MicroLiability
A driver pays only for the time the ignition is on. A 5-minute trip costs less than a 30-minute trip, regardless of distance. This aligns cost directly with the actual duration of risk exposure.
Measures:
Time (Ignition ON)
Billing:
Real-time, per-second usage.
Limitation:
Perfectly fair for all driving types, especially urban drivers, delivery services, and anyone who spends time idle in a running vehicle.
Comprehensive Auto Insurance Model Comparison
This detailed comparison highlights how KeyTurn's MicroLiability infrastructure stands apart from traditional and other Usage-Based Insurance models by focusing on precise, real-time usage.
Feature / Benefit | KeyTurn MicroLiability | Traditional Annual Policy | PHYD (eg Intact myDrive) | PAYD (eg CAA MyPace) |
|---|---|---|---|---|
Primary Pricing Metric | Ignition Time (Per-Second) | Demographics & History | Driving Behavior Score | Kilometers Driven |
Billing Model | Real-time, per-second | Fixed Annual/Monthly | Annual with Discount/Surcharge | Base Premium + 1,000 km Blocks |
On-Demand Activation/Deactivation | ✔ | ✖ | ✖ | ✖ |
Real-time Policy Status Visibility | ✔ | ✖ | ✖ | ✖ |
Patented Core Technology | ✔ | ✖ | ✖ | ✖ |
Comprehensive Infrastructure (Hardware + Software) | ✔ | ✖ | ✖ | ✖ |
Access for Underserved Markets | ✔ | ✖ | ✖ | ✖ |
Reduced Uninsured Claims Burden | ✔ | ✖ | ✖ | ✖ |
Automated Micro-Billing | ✔ | ✖ | ✖ | ✖ |
Provincial Regulatory Compliance | ✔ | ✔ | ✔ | ✔ |
Fraud Prevention (Usage Data) | ✔ | ✖ | ✔ | ✔ |
Driver Behavior Monitoring (Speed, Braking)** | ✖ | ✖ | ✔ | ✖ |
Potential for Premium Increase (due to usage/behavior)** | Only by increased usage | At renewal based on claims | Yes (with some insurers) | Only by increased usage |
Ideal for Gig Economy / Part-Time Drivers** | ✔ | ✖ | ~ | ~ |
Technology Used** | OBD-II Device with HSM | N/A | Smartphone App | OBD-II Device |
Data Privacy Focus | Ignition status only | N/A | Monitors location, speed, phone use | Monitors location and distance |
Cost Control Granularity | Highest (Per Second) | Lowest (Annual) | Moderate (Behavior Score) | High (Per Kilometer) |
Upfront Mileage Commitment | ✖ | ✖ | ✖ | ✔ |
Feature / Benefit | KeyTurn MicroLiability
 | Traditional Annual Policy | PHYD (eg Intact myDrive) | PAYD (eg CAA MyPace) |
Primary Pricing Metric | Ignition Time (Per-Second) | Demographics & History | Driving Behavior Score | Kilometers Driven |
Billing Model | Real-time, per-second | Fixed Annual/Monthly | Annual with Discount/Surcharge | Base Premium + 1,000 km Blocks |
On-Demand Activation/Deactivation |  |  | | |
Real-time Policy Status Visibility | | | | |
Patented Core Technology | | | | |
Comprehensive Infrastructure (Hardware + Software) | | | | |
Access for Underserved Markets | | | | |
Reduced Uninsured Claims Burden | | | | |
Automated Micro-Billing | | | | |
Provincial Regulatory Compliance | | | | |
Fraud Prevention (Usage Data) | | | | |
Driver Behavior Monitoring (Speed, Braking) | | | | |
Potential for Premium Increase (due to usage/behavior) | Only by increased usage | At renewal based on claims | Yes (with some insurers) | Only by increased usage |
Ideal for Gig Economy / Part-Time Drivers | | | | |
Technology Used | OBD-II Device with HSM | N/A | Smartphone App | OBD-II Device |
Data Privacy Focus | Ignition status only | N/A | Monitors location, speed, phone use | Monitors location and distance |
Cost Control Granularity | Highest (Per Second) | Lowest (Annual) | Moderate (Behavior Score) | High (Per Kilometer) |
Upfront Mileage Commitment | | | | |
The Future is Precise.
The Future is KeyTurn.
By shifting the focus from imprecise proxies to the clear, verifiable metric of time,
KeyTurn provides the infrastructure for the most equitable auto insurance model available.
Ready to partner with the future?