As part of the event participants were presented with the latest developments in the field of telematics, which will give further impetus to the development of technology Pay-as-you-drive auto insurance in that in Russian means "pay-as-a ride."
In Europe, the practice of insurance contracts in such a system has long existed, and every year their number increased on average by 25%. The system is to use information on driving style and mileage of the vehicle, resulting from a car telematics systems, the calculation of individual tariffs for motor insurance. Technology wise insurance have certain advantages, both for insurance companies and drivers. Insurers, they help to keep the maximum amount of insurance reserves, and reduce the risks to business, to prevent incidents of insurance fraud and reduce the cost of insurance policies for customers. Motorists telematics systems help to save when you make a policy Hull and easily resolve disputes when the insured event.
At the conference, participants sought to highlight the theme of use of telematics in car insurance from different angles - from the perspective of insurance companies, automakers and, of course, consumers. All the speakers agreed that the arrival of the Russian market of telematics systems is inevitable. Those companies that pioneered new technology for our country, will receive significant competitive advantage.
Experience in implementation and use of telematics in the calculation of individual insurance rates shared ancestor of this line of Fabio Sbyanki - Managing Director Octo Telematics. He founded in 2002, today the company is a world leader in telematics services: the "smart" programs which are insured by more than 1.3 million customers. "The growing popularity of technology Pay-as-you-drive in Europe can be explained on the one hand an individual approach to each client, on the other hand - significant reduction in costs, as insurance companies and car owners," - said the expert.
On the first results of the use of telematics in the programs of car insurance in Austria, said Andreas Kessl - a member of the board of directors of the insurance group UNIQA. According to him, these programs significantly enhance customer loyalty to the insurance company. Data obtained from the vehicle telematics systems, reduce the time trials and payments per claim.
During the years of application software "smart auto insurance in Europe, experts pointed out that the proposed rates had a positive impact on customer behavior of insurance companies - reduced the number of insurance frauds, and the drivers have to strive for more accurate driving style.
A similar pilot project called "Young Driver" was launched in Russia in autumn 2010 Ingosstrakh "featuring Cesar Satellite. At the conference, a group of companies has demonstrated its innovation in the field of telematics, presenting sets of satellite system with a "smart insurance» - Vector and Smart Box. Exclusive partner in the development and implementation of these and other products of the company stands Octo Telematics.
For our country, "a smart insurance" while a novelty, because up to now on the individual car insurance rate was perceived as a technology of the future. "We hope that we have developed and Octo Telematics products will give impetus to the transformation of technology Pay-as-you-drive into a reality," - said he hoped the president GK Cesar Satellite Leonid Ogarev. |
