Settle autonomous insurance claims with evidence, not opinion

Telemetra decodes the telemetry inside drones, autonomous vehicles, vessels and robots — turning every disputed claim into a defensible decision, in minutes.

T TELEMETRA eVTOL Delivery Drone Inspection Mapping Drone Medical Robot Self-Driving Car Warehouse Robot Food Delivery AUV Agri Drone Auto Truck Safety Robot UGV Airport AGV Cleaning Robot HALE Drone Auto-USV Surgical Robot Mining Robot Nano Swarm Orbital Robot Air Taxi Industrial Robot Underwater ROV EMERGING · FUTURISTIC
The Forensic Intelligence Layer for Autonomous Insurance
$500B+
Projected Global Autonomous
Systems GWP by 2035
$8.4B
Annual Autonomous Claims
Fraud Exposure Worldwide
30+
Autopilot Log Formats
Decoded Across All Domains
Zero
Industry Standard for
Autonomous Incident Investigation
Act II · The Change

One Platform for Every Autonomous System — Drones, Vehicles, Vessels & Robotics

If it moves autonomously, it generates telemetry.
If it generates telemetry, we can decode the truth.

Live Engines
28.6139° N · 77.2090° E DGCA ZONE · INDIA

Aerial Systems · UAV

Commercial drones are the fastest-growing autonomous fleet worldwide. From agricultural sprayers crashing into power lines to delivery drones failing mid-flight, every incident generates flight controller logs that contain the truth.

  • Agricultural SprayingWire strikes, EMI interference, battery failsafe. The #1 claim category in India.
  • Drone DeliveryGPS-denied failures, payload drops, collision avoidance failures mid-route.
  • Infrastructure InspectionPower line, pipeline, turbine proximity. High-value incidents requiring precise fault attribution.
  • eVTOL Air TaxisPassenger liability, multi-rotor redundancy failure, urban airspace incidents.
Formats:ArduPilot DataFlash · PX4 ULog · DJI DAT · JIYI K++ · MAVLink · DJI SDK
Ground Intelligence
CAN Bus · ROS2 · OBD-II GROUND DOMAIN

Ground Systems · UGV

From autonomous agricultural machines to last-mile delivery robots, ground-based autonomous systems generate dense telemetry trails that traditional accident investigation cannot decode.

  • Agricultural RobotsField navigation failures, crop damage incidents, slope and terrain-related events.
  • Last-Mile DeliverySidewalk robot incidents, pedestrian proximity failures, pavement-related claims.
  • Mining & ExcavationAutonomous haul truck incidents, underground navigation failure, blast-zone violations.
  • Security & PatrolPerimeter breach, obstacle collision, missed-threat attribution on autonomous patrol units.
Formats:CAN Bus · ROS2 · OBD-II · NMEA · Proprietary OEM Logs
Maritime Intelligence
NMEA 2000 · AIS · IEC 61162 MARITIME DOMAIN

Maritime Systems · USV / ROV

Autonomous surface and subsea vessels are entering insurance markets without any established forensic standard. When a USV collides or grounds, the log data is the only objective record of what happened.

  • Auto Surface VesselsNavigation failure, collision avoidance failure, grounding and stranding incidents.
  • Port LogisticsAutonomous crane and guided vehicle incidents, cargo damage attribution.
  • Coastal PatrolUSV mission abort, weather override, communication loss and recovery events.
  • Underwater ROVTether failure, buoyancy loss, subsea infrastructure proximity incidents.
Formats:NMEA 2000 · AIS · IEC 61162 · Proprietary USV · Kongsberg
Subsea Intelligence
USBL · DVL · AUV Proprietary SUBSEA DOMAIN

Subsea Systems · AUV / ROV

Subsea autonomous systems operate in environments where human investigation is impossible. The telemetry log is the only witness — and decoding it requires specialist forensic capability that did not previously exist.

  • Inspection ROVHull and subsea pipeline survey, deepwater proximity incidents, high-value equipment loss.
  • Scientific AUVNavigation failure, abort sequence analysis, recovery incident attribution.
  • Offshore EnergyRiser inspection failure, subsea infrastructure proximity, equipment damage claims.
  • Military / DefenseMine countermeasures, surveillance mission logs, system recovery attribution.
Formats:USBL · DVL · AUV Proprietary · Kongsberg · Saab AUDS
Industrial Intelligence
ROS2 · EtherCAT · CANopen INDUSTRIAL DOMAIN

Industrial Systems · Robotics

Industrial robots operate in high-value, high-consequence environments. When a robot damages product, injures a worker, or fails during a surgical procedure, the telemetry log is the only objective record of what the machine did and why.

  • Warehouse PickersCollision with shelving systems, load drop incidents, navigation failure causing product damage.
  • Manufacturing ArmsJoint failure, toolpath deviation, end-effector malfunction and third-party property damage.
  • Surgical RobotsProcedure log analysis, force anomaly attribution, device malfunction evidence chain.
  • Collaborative RobotsHuman proximity incidents, safety stop analysis, workspace violation attribution.
Formats:ROS2 · EtherCAT · CANopen · IEC 61131 · OEM Proprietary
Robotics Intelligence
ROS · ROS2 · Proprietary SDK ROBOTICS DOMAIN

Autonomous Robotics

The emerging wave of autonomous humanoid and service robots creates entirely new liability questions. When a robot fails, falls, or causes harm — who is responsible? The sensor logs contain the answer. Telemetra decodes them.

  • Humanoid RobotsBalance failure, joint overload, task interruption — first wave of consumer-facing liability claims.
  • Service RobotsHospitality and retail autonomous robot incidents, customer proximity events.
  • Agricultural HarvestersCrop damage attribution, mechanical failure analysis, navigation error in field operations.
  • Logistics & ForkliftAutonomous forklift incidents, warehouse inventory robot failures, loading dock events.
Formats:ROS · ROS2 · Proprietary SDK · Sensor Fusion Logs · OEM Binary
Act III · The Break

The Autonomous Claim Investigation Gap

When machines act, no one can prove what happened. Autonomous systems are scaling globally. The infrastructure to investigate, attribute, and settle their incidents does not exist. Every claim becomes a dispute. Every dispute becomes a liability.

📡

The data exists. No one can read it.

Autonomous systems generate terabytes of telemetry every day. When incidents occur, this data sits fragmented across proprietary formats that no claims handler, loss adjustor, or regulator can read.

⚖️

Liability fragments. Decisions stall.

Operator, software, hardware, environment — fault crosses four domains simultaneously. Every autonomous claim becomes a multi-party dispute with no objective evidence to resolve it.

📋

The industry has no standard.

Aviation solved this sixty years ago with the flight data recorder. For drones, autonomous vehicles, robots, and unmanned vessels — nothing equivalent exists. Until now.

Telemetra closes this gap.
Act IV · The Stake

Why Autonomous Insurance Claims Are a Black Box.
Telemetra opens it.

Today, every autonomous claim lands without context. For the first time, insurers can show claimants exactly why a decision was made — with forensic evidence, flight reconstruction, and the exact policy clause. No ambiguity. No dispute. Just data.

THE INSURER
🏢

Decides based on surveyor reports

Subjective narratives, incomplete evidence, no telemetry. Two claims managers reviewing the same file may reach different verdicts.

❓ Was the operator really in the approved zone?
❓ Was battery actually sufficient for the mission?
❓ Can we defend this decision if challenged?
🔒
black box
THE CONSEQUENCE
⚠️

Every opaque rejection becomes a liability

When the insured gets "Claim declined per Section 4.2" with no evidence, no context, no data — they don't accept it. They escalate.

📋 Ombudsman complaints that consume months
⚖️ Regulatory scrutiny on rejection ratios
📉 Reputation damage and customer churn
⬇️
Telemetra Replaces the Black Box

VERDICT™ Report · TEL-2026-00148

Sri Anjaneya CHC · AG-25K Sprayer · 27 Mar 2026
NOT PAYABLE
📍 Finding #1 — Geofence Violation
Aircraft operated 2.3km outside approved boundary at 14:28:41 UTC.
Policy Clause: Section 4.2 — Approved Operating Area
🔋 Finding #2 — Battery Below Threshold
Battery at 12% — below manufacturer's 20% RTH threshold.
Policy Clause: Warranty Condition 7.1 — Operating Limits
💨 Finding #3 — Narrative Contradiction
Operator claimed "strong winds." Actual wind: 3.2 m/s — well within safe limits.
Status: Operator statement contradicted by telemetry
🛡️ Defensible Decisions
Every verdict backed by
forensic evidence + policy clause
⚖️ Regulatory Ready
Evidence that holds up at
ombudsman and in court
From Our Pilot — Real Discovery

The Duplicate Autopilot That Exposed a Fraud Ring

During our paid pilot, VERDICT™ decoded proprietary flight controller logs from multiple claims. A claims handler reviewing each claim individually would see a legitimate crash — PAYABLE. But because Telemetra stores and cross-references every flight log, the system flagged something no human could: the same autopilot serial number appeared in three "different" drones, across three separate claims, filed by three different operators.

FC-APM-7429XClaim TEL-2026-00087 · Operator A · Aug 2025Paid ✓
FC-APM-7429XClaim TEL-2026-00134 · Operator B · Dec 2025Under Review
FC-APM-7429XClaim TEL-2026-00171 · Operator C · Feb 2026⚠ Flagged

One autopilot. Three drones. Three claims. Traditional surveying would have approved all three.

Why This Only Works at Scale

The Forensic Database Effect

Every flight log Telemetra processes becomes part of a growing forensic intelligence database. Hardware serial numbers, autopilot fingerprints, GPS patterns, pilot behaviour profiles — all indexed and cross-referenced. The more claims you process, the smarter the fraud detection becomes. Patterns that are invisible in isolation become obvious across a portfolio.

22%
of "total loss" claims
flagged for fraud indicators
₹38L+
in potentially fraudulent
payouts identified in pilot
0
of these flags would surface
in traditional surveying
📄
Evidence-Backed Verdicts

Every PAYABLE or NOT PAYABLE decision comes with GPS reconstruction, telemetry evidence, fault attribution, and the exact policy clause that applies.

→ No more subjective surveyor opinions
⚖️
Dispute-Proof Decisions

When a claimant challenges a rejection, your team has forensic GPS data, telemetry timestamps, and policy clause citations. The ombudsman sees evidence, not opinions.

→ Defensibility that holds up under scrutiny
🔒
Audit-Ready Documentation

Every verdict is logged, timestamped, and traceable. Regulatory audits, internal compliance reviews, reinsurance queries — answered with a single PDF per claim.

→ Compliance without additional overhead
Act V · The Mechanism

From Machine Telemetry to Claim Verdict

From telemetry to truth — a five-stage pipeline converting raw machine data into defensible intelligence.

01

Ingest

ArduPilot, PX4, DJI, Proprietary FC, ROS, CAN, NMEA — 30+ formats

02

Normalize

Unified schema, time sync, sensor fusion, gap detection

03

Reconstruct

3D trajectories, control authority, environmental context

04

Analyze

Anomaly detection, fault attribution, fraud patterns, policy match

05

Output

Verdict reports, liability graphs, reconstruction video, APIs

Every output is structured for legal, regulatory, and insurance defensibility.
Act VI · The Products

VERDICT™ Claims Engine & SENTINEL™ Underwriting Intelligence

Two engines. One truth. Before the policy — and after the incident.

AI Underwriting
SENTINEL
Predictive Risk Intelligence for Autonomous Fleets.
COMING 2027
  • Fleet telemetry risk scoring — every machine rated on operational data
  • Pilot behavioral profiling from historical flight patterns
  • OEM hardware reliability index across manufacturers
  • Dynamic premium calculation APIs for usage-based policies
  • Multi-jurisdiction regulatory compliance mapping
Claims Intelligence
VERDICT
Forensic Claims Engine. Raw logs to verdict — instantly.
DRONE CLAIMS — LIVE NOW
  • Binary log decoding — 30+ autopilot formats across all domains
  • 3D crash reconstruction with frame-by-frame video replay
  • Cross-policy fraud detection and hardware identity tracking
  • Automated policy wording cross-reference with evidence mapping
  • Forensic PDF reports with PAYABLE / NOT PAYABLE verdicts
Act VII · The Breakthrough

Upload a Flight Log, Get a Forensic Claim Verdict

Upload your policy wording. Upload the flight log. Get a forensic verdict with exact clause citations — instantly. No surveyor visit. No external consultant. No subjective interpretation. The platform reads your policy, reads the machine data, and tells you — with evidence — whether the claim is payable.

🔴

Without Telemetra

4–8 WEEKS
1
Operator files claim with narrative

"Strong winds pushed my drone into a power line during spraying operation"

Day 1No verification
2
Surveyor dispatched to crash site

Physical visit. Photographs debris. Interviews operator. Writes a subjective narrative report.

₹15K–₹40K2–3 weeks
3
Claims manager reads policy manually

Opens 40-page policy document. Tries to match surveyor findings to exclusion clauses. Subjective interpretation.

Hours per claimInconsistent
4
External consultant for complex claims

Aviation specialist hired. Another 2–4 weeks. Another ₹50K–₹2L. Still no telemetry data.

₹50K–₹2LTotal: 4–8 weeks
🟢

With Telemetra

INSTANT
1
Claims handler uploads flight log

Raw binary file from the drone's flight controller. Takes 30 seconds.

30 secondsAuto-detected format
2
Platform reconstructs the entire flight

GPS trajectory, altitude, speed, battery, motor RPM, control authority — every millisecond decoded.

AutomatedForensic-grade
3
Auto cross-references YOUR policy wording

Every anomaly is matched against your specific exclusion clauses. Geofence breach → Section 4.2. Low battery override → Warranty 7.1. Automatic.

Your policyExact clause
4
Verdict delivered. Evidence attached.

PAYABLE or NOT PAYABLE with forensic PDF, crash video, fault attribution, and policy clause citations. Done.

₹7,500–₹75KInstant

What a Telemetra verdict looks like

The platform doesn't just say "not payable." It tells you which clause was breached, with the telemetry evidence that proves it.

{
  "claim_id": "TEL-2026-00148",
  "verdict": "NOT_PAYABLE",
  "confidence": 0.94,
  "primary_cause": "geofence_violation",
  "policy_breach": {
    "template": "BA-DRONE-STD-2025", // ← Your uploaded policy
    "clause": "Section 4.2 — Approved Operating Area",
    "evidence": "Aircraft operated 2.3km outside approved geofence at 14:28:41 UTC"
  },
  "additional_findings": [
    "Battery at 12% — below manufacturer's 20% return-to-home threshold",
    "Motor 4 RPM asymmetry detected 90 seconds before impact"
  ],
  "operator_narrative_match": false, // ← Operator claimed "strong winds"
  "wind_data_at_incident": "3.2 m/s — well within safe limits"
}
The operator said "strong winds."
The telemetry said 3.2 m/s.
The policy said Section 4.2.
That's not an opinion. That's evidence.
📄 Sample Report
Download a VERDICT™ Report
See what insurers receive: forensic flight reconstruction, telemetry analysis, policy clause citations, and the final verdict — all in a single PDF.
Request Sample Report →
📞 Get in Touch
Talk to Our Team
Have drone claims you want analysed? Questions about integration? We respond within 24 hours.
✉️ hello@telemetra.ai
📱 +91 80 4567 8900
92%
Reduction in claims
processing time
4–8 weeks → instant
10×
Claims handler
capacity multiplier
Same team, 10× throughput
₹0
External consultant
spend
Replaced entirely
100%
Verdict consistency
across team
Same facts = same verdict
🛡️

What if the analysis fails?
You get a refund. Automatically. No questions.

The current system fails silently — a surveyor submits a wrong report, and you pay a fraudulent claim without ever knowing. Telemetra fails transparently — and when it does, it costs you nothing.

Three verdict tiers — because honest confidence matters more than false certainty
✓ Clear Verdict
PAYABLE or NOT PAYABLE

Full forensic evidence chain, policy clause citations, crash reconstruction, and fault attribution. The definitive answer.

Confidence: 0.85+
💳 Full report fee
⚠ Partial Analysis
Findings + Human Review

Forensic data available but verdict requires adjudication. Corrupted final seconds, ambiguous causation, or multiple scenarios. You get the data — your team makes the call.

Confidence: 0.50–0.84
💳 Reduced fee (50–75%)
✗ Analysis Failed
Automatic Refund

Log unrecoverable, format unrecognised, or data insufficient. You're notified immediately. Refund is automatic. Engineering team is alerted to expand support.

Cannot determine
💳 ₹0 — full refund
98%
Analysis
success rate
Auto
Refund on
failure
Every failure
improves system

The comparison that matters: Traditional surveying fails silently — wrong reports, missed fraud, subjective verdicts that cost you lakhs without anyone noticing. Telemetra fails transparently — you know when it happens, it costs you nothing, and the system gets smarter every time. You're not choosing between Telemetra and perfection. You're choosing between transparent, free failure and silent, expensive failure.

Act VIII · Built for Insurers

Built for Insurers, Reinsurers, MGAs & Brokers

Purpose-built for the way insurance actually works. Telemetra doesn't replace your core systems. It gives you the autonomous asset intelligence layer you don't have — and urgently need.

🔍
Forensic Claim Reports
Crash reconstruction, GPS replay, IMU analysis, and PAYABLE / NOT PAYABLE verdict with policy clause citations — in insurer-ready PDF.
📋
Policy Wording Cross-Reference
Upload your policy templates. Every finding is automatically matched against your specific exclusion clauses. Exact section and sub-clause citations in every verdict.
🛡️
Portfolio Fraud Detection
Cross-reference hardware serials, pilot certificates, and GPS patterns across your entire claims portfolio. Detect fraud rings invisible to individual claim review.
📊
Actuarial Data Feeds
Structured loss data, incident frequency by asset class, OEM failure rates, and risk heatmaps for autonomous portfolios.
🌐
Multi-Jurisdiction
Configure rules by country, asset class, and regulatory regime. DGCA, EASA, FAA compliance built in.
🔗
API-First Integration
REST APIs and event webhooks. Connect to your policy admin, claims, and reinsurance systems.
Claims Intelligence Live
₹38L+
Loss Avoidance
This Quarter
22%
Fraud Detection
Rate
92%
Faster Claims
Resolution
₹0
External Consultant
Spend
Recent Verdicts
TEL-00142 · Geofence BreachNOT PAYABLE
TEL-00138 · Motor FailurePAYABLE
TEL-00155 · Battery DepletedPARTIAL
₹6.02L saved · 3 frauds blocked → View all
Act IX · The Proof

Drone Insurance Claims, Proven at Scale in India

70%
of India's commercial drone insurance market covered by our validation partners
Solution being tested on real claims data
The Problem
"We process hundreds of drone claims annually. In most cases, the operator's narrative is the only evidence we have. We needed a way to independently verify what actually happened during the flight."
BG
Senior Claims Executive
Motor & Specialty Lines
Bajaj Allianz General Insurance
The Solution
"For the first time, we can see the complete flight reconstruction — altitude, speed, GPS coordinates, battery state — and match it against the policy wording. The verdict is evidence-based, not assumption-based."
NI
Deputy General Manager
Engineering & Aviation Underwriting
National Insurance Company
The Opportunity
"India will have over 100,000 commercial drones by 2028. Every one of them will need insurance, and every claim will need forensic verification. The question isn't whether this infrastructure is needed — it's who builds it first."
NIA
Chief Manager
Emerging Risks & Innovation
New India Assurance

Expansion Roadmap

India · 2026

MVP live. Testing with
3 major insurers.

MENA · 2027

UAE, Saudi Arabia.
Desert operations focus.

Europe · 2027

Lloyd's, EASA jurisdictions.
Regulatory partnerships.

Americas · 2028

FAA market. Full
multi-domain coverage.

Act X · The Frontier

The Future of Autonomous Risk: Maritime, Automotive & Robotics

Intelligence from the frontier of autonomous risk — industry analysis, forensic case studies, and technical guides from the Telemetra research team.

Underwriting
How to Price Autonomous Asset Insurance Without Historical Loss Data

This guide covers proxy variable selection and how telemetry replaces years of incident history for autonomous fleet underwriting.

8 min · Mar 2026
Claims Forensics
The EMI-Wire-Fire Causal Chain: Why 80% of Agricultural Drone Claims Follow One Pattern

ArduPilot DataFlash analysis reveals a repeating failure mode across India's drone fleet that traditional surveying misses.

12 min · Feb 2026
Market Intelligence
The $500B Autonomous Insurance Opportunity and the Missing Pricing Layer

A deep analysis of global autonomous systems GWP trajectory and why telemetry-based underwriting will define the next decade.

10 min · Jan 2026

The forensic intelligence layer for
autonomous insurance.

We work with insurers, reinsurers, MGAs, and survey companies worldwide.

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