Studies show that more than 55 percent. drivers in General are not interested in cheap politics in exchange for monitoring their driving style.
“Meanwhile, 95 percent of the Western drivers who agreed to such a device, paying for insurance is on average a third cheaper,” said UBS in its report on the study, referring to foreign insurers. “Incentives for safe driving have reduced the frequency of injuries among drivers aged 17-21 years by 35-40 percent,” he said. UFG said that in Western countries the device or application of type “black box” has for decades used in cars to monitor driver behavior. They are 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, I can prove to the insurer that, despite the lack of experience – are a good driver,” the report says. “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 contribution is growing,” – is described.
the Report shows that 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 is in your car is more than 10 percent. of them.
In Poland – as follows from studies of UFG – openness to this technology, 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 (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 to it expressed by approximately 40 percent. of the respondents, while in the older groups only about 33 percent. Often the approval for this technology claim women drivers than men: 45 and 33 per cent., respectively.
“the Results of our research, they are quite optimistic because it shows that young people who are open to new technologies, I have no objection to the insurer your driving style, which on the one hand, this gives them a great chance to reduce the price of insurance policy, and on the other improve safety on Polish roads”, commented on, mentioned in the report, Elizabeth Wanat-Policy, Chairman of UFG. “Monitoring driving style is affected, because the improvement of safety, provided of course that these statements from the study will be issued in the case,” she added.
according to the report, however, at the same time that the Polish drivers, who declare that they have permission to install in your car the described technologies require in exchange for this high discounts for insurance. “More than 40 percent of owners and car users wants in return to a 50% discount in the price of insurance policy. Most drivers (46%). definitely do not agree tracking your riding style any discount; and only 3% are ready to agree to a 20% discount for CTP,” says development.
according to the report, 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 “Reward ” safe”.
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).
a Study conducted on request of UFG – GfK Polonia between 7 and 12 October 2016 through direct interviews in the homes of respondents in the study “nerdy” CAPI – based on a representative random attempt of Poles aged 15+, wylosowanej base of social insurance. The total number of completed interviews is 1020.
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