Dutch insurer gives a discount if you have clean driving
Posted on 06-08-2014 at 15:27 by ricardo – 29 Comments”
Okay, moral question: your privacy is exposed, but in return there is a discount given on the car insurance. The Dutch do this to poke?
In England since last year already been tested with a insurance with discount sprinkles for motorists with a velvet foot. Via a smartphone app, is the driving behaviour is monitored, analysed, and converted into a any premievermindering. Because who neatly runs pay less. You need a commercial company only but all your location and speed data. As well as your firstborn. What could possibly go wrong?
The first Dutch insurer that this model is going to work is Fairzekering (that name…). They round off this month in a trial and would then begin with the provision of an insurance policy with a data locker. This box, with the name Chipin, you will connect the OBDII connector of your car. The Chipin connects to a network and login, then clean all your remacties, driving speeds and locations where you’ve been.
Who really tidy drive can be up to 35% rebate on premiums tackle, who as a for hoekt will not receive the discount. There is, in that case, however, no question of a rate increase. There is also an intermediate step of a 10% discount. Fairzekering sets no requirements on the number of kilometers that you per year to drive. Additional geek-advantage: you can be online through the Fairzekering dashboard to see how and where you’ve ridden. So you have a handy tripmeter.
In True late co-founder Hans Gerritsen know that the discount is calculated on the basis of several factors:
“If you have only hard drive, it does not mean that you do not discount get. But if you drive regularly hard in the evenings and you go often considerably on the brake, then it is a different story.”
But if you rijdata and the data of your car (mileage, maintenance, engine rpm, fuel level) are now on a server somewhere. Fairzekering says that see info with any third parties. And you can, after each month, erase. After 7 years it automatically goes into the trash can. But the police can, if they want to:
We have a policy that if the police just comes questions to individual data, we say no. Only on suspicion of a serious criminal offence, there may be at fairzekering legal obligation resting information from our database to justice. In fact, just like during a search.
Ideal for the I-am-still-nothing-to-hide-types among us, or are you waiting a bit with the reveal of your privacy in exchange for a discount?