1 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

1 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

DriverRisk Guide: Violation insight to fuel your businessA national driving record solution with applications across the entire insurance policy lifecycle.

SHARE

2 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

Gain insight into your personal insurance lines of businessSavvy insurance carriers constantly seek ways to improve their performance, particularly as industry profitability is constrained by rising claims frequency and severity. Our national driving record solution enables insurers to tailor their business processes based on violation data; for example, align marketing efforts with desired risk profiles, better manage expenses, improve pricing sophistication, enhance the customer experience and more. Read on to familiarize yourself with opportunities to

better understand your customers and adapt strategies accordingly.

TransUnion DriverRiskThe DriverRiskSM solution suite delivers insight from court record violation data using our enhanced subject selection and matching expertise, and will soon include state motor vehicle reports (MVRs). Our court record-based solution offers richer and timelier information, allowing you to analyze driver violation behavior and make better-informed decisions throughout the policy lifecycle. You’ll benefit from:

Deeper insights into driver violation behavior than what’s

available solely with state motor vehicle reports

Earlier discovery of violations, starting when

a ticket is first issued

Improved allocation of marketing and underwriting

expenditures

Future, seamless integration of court record violation data

and state MVRs

336M+court record violations and growing1

23%

MOREdrivers with ratable violations than typically found by insurance carriers1

3 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

Unique benefits of DriverRisk

IMPROVED MATCH ACCURACY: Leverage TransUnion’s consumer database to find additional violations, such as those received outside the license state or associated with a prior driver’s license

LOGICAL FEATURES: Several new components, such as the newly adjudicated indicator, equip customers with information to optimize their current MVR decisioning processes

EASE OF USE: Our proprietary Enhanced Violation Codes assign a logical, alphanumeric value to every violation, allowing you to customize search criteria and reduce state statute maintenance

MARKETING APPLICABILITY: Our non-FCRA-based marketing solutions provide insurers the opportunity to tailor marketing efforts based on violation histories

4 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

Underwriting and rating: Our solution allows you to balance your desired underwriting conservatism with expenses. If you choose to solely rely upon the state MVR, DriverRisk allows you to limit MVR orders to those drivers with a recent, ratable violation. If you choose to take action with violation activity not on the MVR, such as out-of-state violations, use DriverRisk in lieu of or in addition to the state MVR. Regardless of which customizable solution you use, you can take advantage of additional revenue surcharge opportunities and/or optimize MVR spend for improved profitability.

Marketing and policy acquisition: Target consumers with the desired violation risk profile by customizing invitation-to-apply and prescreen campaigns through prospecting or suppression. Consequently, fine-tune direct mail and digital marketing campaigns for improved conversion.

Point of quote: Populate violations into the insurance application to generate a more accurate quote earlier in the application process, decreasing the likelihood of a rate change between initial and final quotes. In addition to improving accuracy, insurance agents and applicants alike will have a faster and better experience, resulting in higher throughput and conversion.

Personal AutoIncorporate DriverRisk into your business for value throughout the policy lifecycle. DriverRisk data will enable you to manage expenses during marketing and acquisition phrases, as well as validate driving records without sacrificing underwriting and rating integrity.

$6.5BILLION$6.5BILLIONThe property/casualty insurance industry spends $6.5 billion on advertising annually.2

Insurers saved an average of 30-50% on MVR and related expenses with DriverRisk at new business.1

$1.2BILLIONspent on MVR annually

$1.2BILLIONspent on MVR annually

5 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

Personal PropertyHarness the power of alternative data using traffic and criminal records to predict future homeowners losses or claims.

Court record violation data has been shown to deliver value to property insurers as a proven behavioral indicator to address industry profitability challenges.

For information on TransUnion’s DriverRisk solutions – visit transunion.com/product/driverrisk or call 866-922-2100.

Pricing: Leveraging court violation data can increase conversion and retention rates by enabling you to extend discounts to homeowners eligible for a preferred rate, while having the option to surcharge consumers with ratable traffic or criminal violations. Identifying risk early in the application process can improve both pricing sophistication and profitability.

Underwriting: Our solution allows you to monitor for convictions to determine optimal re-underwriting frequency and provide valuable insight for new and renewal underwriting processes.

Multi-line efficiencies: As more carriers begin to implement variables traditionally used in personal automobile insurance underwriting processes, there’s a growing opportunity to promote efficiencies across multiple lines of business. Homeowner insurance carriers that already order MVRs can begin using our violation data tool to optimize MVR expenditures across multiple lines of business.

2Xby incorporating court record violation data as a behavioral rating variable1

LIFT IMPROVEMENT

6 | © 2017 TransUnion LLC All Rights Reserved | 17-182929

(NYSE: TRU)

Information is a powerful thing. At TransUnion, we realize that. We are dedicated to finding innovative ways information can be used to help individuals make better and smarter decisions. We help uncover unique stories, trends and insights behind each data point, using historical information as well as alternative data sources. This allows a variety of markets and businesses to better manage risk and consumers to better manage their credit, personal information and identity. Today, TransUnion has a global presence in more than 30 countries and a leading presence in several international markets across North America, Africa, Latin America and Asia. Through the power of information, TransUnion is working to build stronger economies and families and safer communities worldwide.

We call this Information for Good.

1 TransUnion internal analysis 20162 J.D. Power 2017 U.S. Insurance Shopping Study

For information on TransUnion’s DriverRisk solutions – visit transunion.com/product/driverrisk or call 866-922-2100.