Real time and location based car insurance
geschreven door Tony Bosma
4 reacties
Pay your insurance for your car only when you drive and the amount you pay is dependent of where and when you drove. This could be your future car insurance.
28 Feb 2007 - 4:53, 1347x gelezen | 4 reacties | Communications
The British insurance company Norwich Union (Aviva) has started a pilot project where real-time and location based car insurances are tested. So your monthly amount of car insurance you have to pay is monthly calculated on times and places you have driven last month. The people who participated in the pilot paid a lot less for there insurance and became more aware of the way the drive.
The details of the journeys are collected by a kind of black box device inside the car. Every night via a mobile phone link the data is automatically transmitted so the insurance company can produce an customized monthly bill. The system is from Trafficmaster, a British company which also does navigation and fleet management.
The idea is that people should be charged for the risks that they take while driving, not the risks taken by others. We find that knowing the time and location of a driver gives a pretty good indication of their accident risk.
Some of the additional functionalities are navigation, real time traffic information and tracing when a car is stolen. Of course are the first rumours about privacy. I personally find this service an excellent one and one which can help other companies to be more customer oriented and reshape there business models. It also gives us an inside look in the near future where everything is connected not only products like cars but also individuals. Imagine if insurance companies can reduce the speed of your car from a distance when they think you are driving to fast or dangerous. Or raise your personal insurance fee when walking through a busy street. What do you think of such a future? Real time and location based insurance? And who would take such an insurance when it reduces your bills? It even solves the traffic jams.
More information: Norwich Union, International Herald Tribune
I pay half as much for insurance and think twice about using the car during the expensive times that are considered high risk for accidents
The details of the journeys are collected by a kind of black box device inside the car. Every night via a mobile phone link the data is automatically transmitted so the insurance company can produce an customized monthly bill. The system is from Trafficmaster, a British company which also does navigation and fleet management.
The idea is that people should be charged for the risks that they take while driving, not the risks taken by others. We find that knowing the time and location of a driver gives a pretty good indication of their accident risk.
"But what is most exciting is that these insurance products — for the first time ever — actually encourage people to reduce dangerous behaviour
Some of the additional functionalities are navigation, real time traffic information and tracing when a car is stolen. Of course are the first rumours about privacy. I personally find this service an excellent one and one which can help other companies to be more customer oriented and reshape there business models. It also gives us an inside look in the near future where everything is connected not only products like cars but also individuals. Imagine if insurance companies can reduce the speed of your car from a distance when they think you are driving to fast or dangerous. Or raise your personal insurance fee when walking through a busy street. What do you think of such a future? Real time and location based insurance? And who would take such an insurance when it reduces your bills? It even solves the traffic jams.
More information: Norwich Union, International Herald Tribune
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Reacties
20 February 2009 om 7:18
Brad
Hello webmaster You did a great job with this blog. I loved time en location based autoverzekering door GPS at Extend Limits - toekomst, 2020, future within your reach, trends, trendwatching, marketing, communicatie, technology, technologie, innovatie, trendwatching, scenario12 March 2007 om 5:27
Tony
@John, je comment was niet door de spamfilter gekomen dus ik heb hem nogmaals voor je gepost. Dank je voor je bericht. Ik ben ook heel benieuwd dus laten we het zeker in de gaten houden. Ook Nederlandse verzekeraars zijn over dit soort initiatieven aan het denken.12 March 2007 om 5:25
Tony
Really curious how this pilot is gonna endGoogle translate
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Een unieke documentaire waar je ook echt even voor moet zitten want hij duurt zo'n 12 uur. Maar het onderwerp van de documentaire is dan ook eindeloos zou je kunnen zeggen. The reality of me wil onze wereld waarin we leven op een eenvoudige manier beschrijven.
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Microsoft Research heeft hoge ogen gegooid met hun 3d hologram dat ook nog tastbaar is. Nu hebben we al eerder over ontwikkelingen binnen de 'hologram wereld' gesproken maar Microsoft Research zet weer een belangrijke stap met hun Vermeer project.
21 February 2009 om 3:17
Bob
Nice job. I completely agree with you.