Pacificanon-life insurance subsidiary of Credit Agricole Assuranceshas just joined Better driving community. Launched in 2019 by Michelinaims at this initiative to exploit them driving data from vehicles. The French manufacturer is involved in this area through its activity Bringing data to intelligence (DDi). This initiative brings together Michelin but also colas, CGI and Total energy. Pacifica joins this group today to prepare one eco-driving offer intended for its policyholders. Thanks to the data from the vehicles, the insurance company will propose an eco-driving score. In addition to this showcase, Pacifica will have access to mileageto driving stylesto velocity and to routes taken. Very interesting information to improve road safety and develop insurance company tools for road risk prevention. However, access to such information opens other perspectives in Pacifica.
Verifiable statements
Access to driving data opens up the possibility that the insurance company can check damage reports of its policyholders. An ideal tool mod fraud and false statements. Without waiting for the accident behavior rated as risky could be reportedeven though sanctioned by the insurance company. However, access to data requires a provisional permission of the insured. The latter must therefore obtain a advantage and the benefit of a mobile eco-driving application alone seems very small. Several other insurance companies have already created this type of offer, by offering advantageous prices for the most cautious policyholders. So far, these initiatives have had varying degrees of success. Advances in vehicle connectivity could facilitate these offerings. On the other hand, the insurance companies have every possible interest in staying diplomats if they don’t want to see run away from their customers at the end of the first mandatory contract year. Motor insurance remains a special importantwho can do to switch customers on the good side or at competition.
