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Tuesday, 31 January 2012 |
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Smartphones as an incentive for insurance telematics (download the priPayd ebonus brochure here) Of all the insurance telematics solutions to surface in the past three years, smartphones have been conspicuously absent from the party. This is partly because not all drivers own smartphones, and there's little sense in making a telematics solution dependent on another solution that a large percentage of drivers lack. |
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Monday, 13 June 2011 |
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Usage-based insurance is still struggling to develop a market in France. Even though insurers often blame the cost of telematic devices for putting the brakes on the development of usage-based insurance in France, drivers, have also been reluctant to change their contracts, waiting for more attractive offers and incentives that won’t place too many constraints on their daily driving habits. To make usage-based insurance a real commercial success, therefore, a major effort to educate drivers is necessary. “ With our concept of Pripayd ebonus, we have shown that there’s a simple and efficient solution that respects individual freedom. By integrating our product into a Smartphone, we now hope to offer all drivers a fun and educational application that provides the added benefit of reducing their insurance premium.”  |
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Sunday, 12 June 2011 |
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Last week, at the fourth CISR (Interministerial Committee for Driving Safety), the government presented a new series of measures designed to reinforce road safety, which included a ban on radar detectors as well as tougher sanctions for using mobile phones while driving. |
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Sunday, 20 April 2008 |
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The ACT Concepts Company research today its industrial and financial partners, in order to develop its e-bonus solution. Contact us as of now...  e-bonus, the only Pay-As-You-Drive technology capable of protecting the privacy of the driver without the least possible lapse (at least according to its design), is now a licensed technology. ACT Concepts took out several French patent certificates and is proposing a licensing agreement for automobile insurance companies and integrators of telematic solutions. For more details, do not hesitate to contact us as of now... e-bonus software can be integrated either in a standard telematic device (to make evolve an existing solution to a PriPAYD solution) or directly in a PND or smartphone. In both cases, e-bonus plugin makes it possible to protect the private life and to reduce the costs of the electronic unit and their installation, as well as the costs of telecommunications, aggregation and data storage. For more details, do not hesitate to contact us as of now... |
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Tuesday, 24 June 2008 |
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In France, the economic interest in PAYD is far from being obvious, considering the specificity of the automobile market. "The average premiums being weak -along the lines of 400 euro per year- the possibilities are not the same as in Austria, Italy or the United Kingdom where the costs are 2 to 2.5 times higher" estimated Laurent Tollié, CEO of Covéa Tech. In UK, according to a BBC report, Norwich Union has suspended its mileage-based insurance scheme less than two years after it was launched. Strategy Analytics analyst, Clare Hughes, said that prohibitive launch costs, privacy violations, back-office data integration and difficulties in measuring costs versus benefits would inhibit the immediate widespread launch of PAYD schemes. |
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Wednesday, 14 March 2007 |
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In the framework of PAYD applications, the aggregation of data is a technical and/or legal necessity, particularly in France. However, the interpretation of this idea can have extremely important consequences for individual privacy rights. |
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Tuesday, 20 November 2007 |
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PAYD can take many forms depending on the data you wish to use. The simplest form consists of determining the insurance premium as a function of the number of kilometers traveled. |
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Sunday, 16 July 2006 |
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Through the course of the plenary meetings on July 6, 2006, the CNIL debated the e-bonus project that ACT Concepts presented as a PAYD solution for individuals. The advantage of this solution with respect to individual privacy rights is that the data is used only to generate statistics and no raw data is stored or transmitted elsewhere. |
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