however, the majority of drivers – more than 55 percent are generally not interested in cheap politics in exchange for monitoring their own movement. Meanwhile, 95 percent of the Western drivers who agreed to such a device, paying for insurance is on average a third cheaper – the data of local insurance companies (incentives for safe driving have reduced the frequency of injuries among drivers aged 17 – 21 years to 35 – 40%”, – stated in the report, UBS 'Selected opportunities and problems of future solutions in the area of personal auto insurance', developed by the Center for Applied Mathematics and Systems Engineering, Polish Academy of Sciences). Against larger payments, compensation and price increases on car insurance – UFG decided to investigate the factors that reduce insurance premiums for the insurance policies. One of them is the use of so-called technology of pay-as-you-drive.
In Western countries the device or application of type “black box” from the decade are used in cars to monitor driver behavior. Especially popular among young people. Statistically the driver you cause for more accidents and pay higher premium for the insurance policy, and because of this technology – you can 'prove' to the insurer that, despite the lack of experience – are good drivers. On the basis of recording driving habits, the insurer agrees for lower premium; however, when the record shows frequent acceleration and braking, driving with more than acceptable speed, and even driving at night the fee increases. In the UK, the technology to monitor driver skills in a range of more than ten insurers and uses her nearly half a million drivers. In the group of younger drivers (17 – 25 years) this device has in his car for more than 10 percent of them (respect for the British Association of Insurance Brokers (Biba).
In Poland – as follows from studies of UFG – openness to the new technologies depends on the age of the driver. And Yes – the biggest among young people, who are the owners or users of the vehicle and in some groups (group: students-free living with parents) grows up to two thirds of the respondents. Diminishes with age, however, the desire to show their driving style in exchange for a discount in insurance. And so, in a group of forty drivers to consent expresses approximately 40 percent of respondents, while in the older groups only about 33 percent. Often the approval for this technology claim women drivers than men: 45 and 33%, respectively.
- the Results of our research, they are quite optimistic because it shows that young people are open to new technologies – I have no objection to the insurer your driving style – which, on the one hand, it gives them a great chance to reduce the price of insurance policy, and on the other improve safety on Polish roads, – says Elizabeth Wanat-Policy, Chairman of UFG. – Monitoring of driving style is affected, because the improvement of safety, provided of course that these statements from the study will be issued in reality, he adds.
the Polish drivers do not want, however, 'cheap sell'. Those who declare that they have permission to install in your car the described technologies require high discounts for insurance: more than 40 percent of owners and car users want in exchange for a 50 percent discount in the price of insurance policy. Most drivers (46%). definitely do not agree tracking your riding style any discount; and only 3% are willing to accept a 20 percent discount on insurance. In Poland over the insurance that your driving style will affect the price of the policy, a Link 4, and plans to introduce it early next year. In turn, Benefia at the beginning of this year, in cooperation with Janosik’s Inn, released app 'safe Award'.
Insurance Guarantee Fund conducts a nationwide database of policies. Currently it provides data about active contracts of civil liability insurance to more than 22.5 million vehicles and more than 300 million records of contracts from previous years (sold the policy and pay the compensation). Insurance companies use information from the database UFG for billing of insurance premiums, for example, based on the history of insurance and the number of accidents due to apply the appropriate discounts or markups fees. From the calculation of the Fund shows that during the first three quarters of the year the average premium for insurance increased by 30%.
Insurance Guarantee Fund
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