The Next Generation of Pay-As-You-Drive™ / GPS
Tuesday, 27 November 2007

e-bonus® is different from other products designed for use in a Pay-As-You-Drive™ system because it’s the only product today that compiles the data directly inside the box. To achieve this, the device relies on a GPS receptor but more importantly on a geographical database of maps.

All PAYD systems create statistics that permit insurers to make decisions (preventative actions, premium reductions, etc). In general, to obtain behavioural statistics about a driver, you have to compare data from his car (like speed, braking) with standards based on his location (speed limits for example). To do that, you have to use a road map database. This operation could be done from a distance on any computer (remote mode) by downloading and processing the "saved" data. But it could also be done "on location" (self mode) inside the electronic unit so that only the "statistical" results are transmitted. This is how e-bonus® works.

In the beginning, this geographical road map database served only to calculate statistics depending on a car’s position. The original version of the electronic unit in 2001 contained only what was strictly necessary since this technology was still very expensive at the time. In 2007, presented with an entirely different situation, the e-bonus® box would benefit from a major make-over.

When you think about it, the e-bonus® system is no more than a simple GPS navigator integrated with a cellular phone and specific software. It’s nothing really complicated, as the e-bonus® algorithm relies on a navigation service that is already present in this type of device. All you have to do is manually activate the e-bonus® function to track the day-to-day development of your driving profile.

The e-bonus® system was intentionally designed not to store or transmit data regarding precise geographical location to a third party. The system computes the statistics in real time and doesn’t keep a record of any raw data. As a result, an insurer can offer a personalized insurance premium but cannot recreate anyone’s itinerary or know a driver’s exact speed at a given location. In this way, the recommendations of the CNIL* are satisfied. *(National Commission for Information Technology and Privacy Rights)

 

With e-bonus, drivers can rest assured that,
their personal data will never leave their vehicle.

 

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