Insurance
For motor, fleet and property insurers and MGAs building data-driven products.
- Usage-based motor insurance (PAYD, PHYD)
- Crash detection and automated first notice of loss
- IoT risk prevention for home and commercial property
Independent consultancy · Tallinn, Estonia
Make your telematics and sensor data pay for itself.
We help insurers, property companies, agribusinesses and biogas producers choose, integrate and run telematics, IoT and AI systems that cut costs and claims. Engineering-led advice from the team behind the Estiq property platform.
- Vendor-neutral
- Fixed-price diagnostics
- Working across the EU
Where we help
Five industries, one discipline
Each of these businesses has the same underlying problem: physical assets producing data that nobody fully trusts or uses. We fix the chain from sensor to decision, and add AI where it improves the decision.
Property
For lenders, insurers, agencies, portals and building owners.
- Estiq automated valuation and valuation APIs
- Estiq AI virtual staging for listings
- Leak prevention, energy and ESG building data
Agriculture
For agro-holdings, farm managers and agricultural investors.
- Cropwise Operations rollout and integration
- Fuel and machinery telemetry on mixed fleets
- Field boundary audits and cost per hectare
Energy & biogas
For biogas and biomethane plant operators and their investors.
- Feedstock tracking and gas yield per tonne
- Online digester and CHP monitoring
- Certification and guarantee-of-origin data
Land survey & UXO
For infrastructure, renewable energy and land reclamation projects.
- Drone magnetometer surveys for buried ordnance
- Anomaly maps and target lists for clearance teams
- Survey scoping before construction starts
AI decision support
Across every industry above, wherever a recurring decision has data behind it.
- Forecasting, risk scoring and valuation models
- AI assistants on your own documents
- EU AI Act readiness for high-risk uses
How we work
From first call to working system
Most engagements follow the same path. You can stop after any step and keep everything we have produced.
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Introductory call
You describe the problem; we tell you honestly whether we can help and what it would involve.
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Diagnostic
We review your systems, data and costs on site and remotely, then quantify where the money is going.
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Roadmap & vendor selection
A target architecture, business case and vendor shortlist, with a tender or pilot plan if needed.
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Implementation support
We oversee rollout and integration, check data quality against reality and train your team.
Why independent advice
We are paid by you, and only by you
Telematics vendors give free advice that leads to their own product. We earn nothing from any vendor, so the recommendation follows your numbers.
- 01
No commissions, no resale
We don't take referral fees or margins on third-party hardware, software or connectivity. Where one of our own Estiq products fits, we say so openly. If the right answer is to keep your current system, we will say that too.
- 02
Every recommendation has a number attached
Fuel saved, claims avoided, hours recovered. We build the business case before you spend anything, and measure against it afterwards.
- 03
Engineers, not account managers
The people who advise you understand CAN-bus frames, GNSS error and insurance scoring models, and they are the same people who check the rollout.
- 04
You own the data and the design
We specify open interfaces and data exports so you are never locked into a single supplier.
Questions
What clients ask us first
Short answers to the questions we hear most. Each industry page goes into more depth.
What does an independent telematics consultant do?
An independent telematics consultant helps a company decide what data to collect from vehicles, machines or buildings, which hardware and software to buy, and how to connect it to existing systems. Because the consultant earns nothing from vendors, the recommendation is based only on the client's costs, risks and operations.
What is the difference between PAYD and PHYD insurance?
Pay-As-You-Drive (PAYD) prices motor insurance on how much a vehicle is driven, usually kilometres and time of day. Pay-How-You-Drive (PHYD) prices it on how the vehicle is driven: braking, acceleration, cornering, speeding and phone use. Both are forms of usage-based insurance (UBI).
Can IoT leak sensors reduce property insurance claims?
Yes, when sensors are paired with automatic shut-off valves and a clear response process. Water escape is one of the most frequent causes of property claims, and most of the cost comes from leaks that run unnoticed for hours. Detecting and stopping them early limits damage to a fraction of the typical claim.
How does Cropwise Operations integration improve farm profitability?
Integrating Cropwise Operations with machinery telemetry, fuel sensors, weighbridges and accounting gives an agribusiness its real cost per hectare by field. Managers can then find fuel losses, overlapping passes and over-application, and compare each field's cost against its yield.
How does drone magnetometry detect unexploded ordnance?
A drone flies a magnetometer one to three metres above the ground and records small distortions in the Earth's magnetic field caused by buried iron and steel. Every reading is positioned with RTK-GNSS, and the processed map shows where buried ferrous objects are likely. A certified clearance team then investigates each target.
How do you charge for consulting?
The first 30-minute call is free. Most clients then commission a fixed-price diagnostic with a defined scope and deliverables, agreed in writing before work starts. Ongoing support afterwards is billed as a monthly retainer or by the day, whichever suits the project.
About
A small, senior engineering consultancy
NRZ Technologies is headquartered in Tallinn, Estonia, advising clients across the European Union.
We started in agricultural telematics, connecting mixed machinery fleets, fuel level probes, and farm management software for commercial agribusinesses. The exact same data engineering discipline applies wherever physical machinery, buildings, or vehicles produce telemetry: motor and property insurance, smart buildings, biogas reactors, and airborne geophysical surveys.
We also build and run our own data-intensive products. Estiq computes automated property valuations (AVMs) across Estonia using notarised transaction data from the Land Board, and Estiq Virtual Staging processes listing imagery for brokerage portals across Europe. Deploying and maintaining production AI products keeps our engineering advice grounded in practical reality.
Clients work directly with the senior engineers executing the analysis. We take on a strictly limited number of advisory engagements at any given time, ensuring personal involvement until systems deliver verified operational numbers.
Technical Leadership
Led by Ivan Naroznyi, Senior Systems & Telematics Consultant. Over a decade of field experience connecting CAN-bus protocols, IoT sensors, geospatial pipelines, and applied machine learning models across the Baltics and Europe.
- Company
- NRZ Technologies
- Office
- Tornimäe tn 5, 10145 Tallinn, Estonia
- Jurisdiction
- Estonia / European Union (EE-37)
- Key Industries
- Insurers, lenders, property portfolios, agro-holdings, biogas plants, survey teams
- Services
- Diagnostics, retainers, system rollout oversight
- Direct Contact
- info@nrz.ee
Tell us what isn't working.
In 30 minutes we can usually identify where the bottleneck sits and whether it makes economic sense to fix. Direct technical discussion, zero sales pitch.
Book a consultation online
Engineering reply within two business days