Aug 29 2014
decided to help motorists make progress. Their weapon? Apps that serve but also learn to improve his behavior. Axa proposes a few days "Axa Drive," which sounds an alert every day fifteen minutes before the time, at the latest, you have to climb into his car to be on time – without excess Speed1 – with the nanny or the gym, depending on traffic and road works, valued in real time.
But above all, this app can assess the talent of the driver. Coupled with GPS, it falls if it adopts the right cornering speed, braking too hard, traveling at the right speed (the average traffic), etc. "The app gives a score for each trip. We can then relive the journey to correct his mistakes, "says Thierry Fabing, deputy director digital at Axa France. Direct
Insurance and Allianz launch their bids
Axa developed this system with its subsidiary Direct insurance2, which has also launched in July "Youdrive." App also evaluates the conduct of the driver, asked to compare his score to other users. The insurer did not hide his ulterior motives. It plans to launch a 'pay how you drive' insurance by the end of the year. Or how to modulate the driver's insurance premium based on his driving behavior, since we know now how to evaluate it fast cash now. At stake, a reduction that would go up to 600 euros a year, provided you install a box collecting the same information as the app to send them to the insurer. Allianz3
will also take the plunge. In recent weeks, it already offers its customers to install on their dashboard an electronic box. Associated with a smartphone, this little device locates the car when you forget where it was parked. If it detects a strong impact, it automatically alerts the audience that, after trying to contact the driver, sends relief at the site of the accident. It also records the speed of the motor, the intensity of turns, distance, time and other technical data (other than the speed of the car) to provide an index of conduct, 1-100. "Having an objective indicator gives you a different perspective on your behavior," notes Delphine Asseraf, digital director of Allianz France.
In 2015, Allianz policyholders who have subscribed this offer (optional, for 50 euros per year in their contract) and that will conduct righteous will be rewarded: they will receive a discount on their premiums. But those who still have some way to go do not pay more. "It's an encouragement, not punishment," insists Delphine Asseraf.One of the smartest ways in which you can search for low priced insurance covers for your vehicle is through online aggregator sites or independent sites for car insurance. In other words, the Internet is the best avenue for cheap price car insurance quotes.