To protect young and inexperienced drivers, and reduce their insurance costs, ingenie launched an integrated telematics solution for young drivers who may feel unprepared for driving unsupervised on the road.
The driver’s car is fitted (either by an engineer or self-fit) with a data recorder that collects data on the driver’s speed, acceleration, braking and cornering. The data is then run through a system of algorithms and feedback is given to the driver every 10 days – to let them know how they are doing and areas to improve. Risky driving behaviours are identified quickly, and the worst offenders are contacted by the Driver Behaviour Unit (see below).
Drivers can access personalised feedback on their driving via an app and online. Feedback is colour-coded based on a traffic light system:
- green: good;
- amber: needs improvement;
- red: dangerous; and
- black: highly dangerous.
Drivers are given a performance score every 10 days, and those who show consistent safe driving behaviours or significantly improve their performance are offered financial rewards equating to money off their insurance price. Drivers who consistently drive dangerously or fail to respond to feedback will have points removed from their overall performance score and could see their insurance price rise.
The riskiest drivers are contacted by ingenie’s Driver Behaviour Unit (DBU) to discuss their strengths and weaknesses, common mistakes and options to help them adapt their driving style.
“The DBU aims to use these real-life examples to help drivers change their behaviour on regular journeys where ‘auto-pilot’ and complacency may lead to risky driving behaviours.”
The ingenie DBU is staffed by trained behavioural analysts who provide detailed feedback to the driver and offer interactive and online coaching to help them improve. Drivers can request specific information, such as road names where speeding is happening, and the DBU aims to use these real-life examples to help drivers change their behaviour on regular journeys where ‘auto-pilot’ and complacency may lead to risky driving behaviours.
The DBU employs a number of behaviour change techniques and approaches, including the Transtheoretical Change Model of behaviour change. ingenie’s telematics-based insurance policy for young drivers has led to improvements in risky driving behaviours such as speeding (91.8% of drivers), braking (88.4% of drivers) and cornering (77% of drivers).
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