Comments for Pay_as_you_drive http://payasyoudrive.wordpress.com Just another WordPress.com weblog Wed, 30 Sep 2009 07:54:06 +0000 http://wordpress.com/ hourly 1 Comment on Strategic Positioning of the Insurance Companies regarding the projects “Pay As You Drive” by Mapfre y el “Pay As You Drive” « Paga_según_conduzcas http://payasyoudrive.wordpress.com/2006/11/04/strategic-positioning-of-the-insurance-companies-regarding-the-projects-pay-as-you-drive/#comment-579 Mapfre y el “Pay As You Drive” « Paga_según_conduzcas Wed, 30 Sep 2009 07:54:06 +0000 http://payasyoudrive.wordpress.com/2006/11/04/strategic-positioning-of-the-insurance-companies-regarding-the-projects-pay-as-you-drive/#comment-579 [...] drive, Y-Car — sminguijon @ 7:53 am Hace ya algunos años publiqué un articulo sobre la estrategia de las empresas de seguros con respecto a los proyectos “Pay As You Drive” (PAYD). Desde entonces hasta ahora hay dos cosas que han cambiado [...] [...] drive, Y-Car — sminguijon @ 7:53 am Hace ya algunos años publiqué un articulo sobre la estrategia de las empresas de seguros con respecto a los proyectos “Pay As You Drive” (PAYD). Desde entonces hasta ahora hay dos cosas que han cambiado [...]

]]> Comment on “Pay as you Drive” Bulletin March 2009 by Joshua Brond http://payasyoudrive.wordpress.com/2009/03/26/pay-as-you-drive-bulletin-march-2009/#comment-578 Joshua Brond Wed, 20 May 2009 16:32:10 +0000 http://payasyoudrive.wordpress.com/?p=47#comment-578 Dear Salvador, I would like to direct your attention to a new commercial usage based insurance product that is available in the US. It is called Onboard Advisor and it is provided by Liberty Mutual insurance. It is also explained by Wikipedia: http://en.wikipedia.org/wiki/Pay_As_You_Drive. Regards, Josh Dear Salvador,

I would like to direct your attention to a new commercial usage based insurance product that is available in the US. It is called Onboard Advisor and it is provided by Liberty Mutual insurance. It is also explained by Wikipedia: http://en.wikipedia.org/wiki/Pay_As_You_Drive.

Regards,
Josh

]]> Comment on “Pay As You Drive” Bulletin January 2008 by pay as you drive - die Zukunft der Kfz-Versicherung? - geldpro.de http://payasyoudrive.wordpress.com/2008/01/27/pay-as-you-drive-bulletin-january-2008/#comment-555 pay as you drive - die Zukunft der Kfz-Versicherung? - geldpro.de Fri, 01 Feb 2008 17:55:28 +0000 http://payasyoudrive.wordpress.com/2008/01/27/pay-as-you-drive-bulletin-january-2008/#comment-555 [...] an der pay as you drive insurance ist groß. Hierbei handelt es sich um ein neuartiges Konzept zur Ermittlung der Versicherungsbeiträge im Rahmen der Kfz-Versicherung. Das Konzept sieht [...] [...] an der pay as you drive insurance ist groß. Hierbei handelt es sich um ein neuartiges Konzept zur Ermittlung der Versicherungsbeiträge im Rahmen der Kfz-Versicherung. Das Konzept sieht [...]

]]> Comment on Who will lead the project “Pay As You Drive” in Europe? by “Pay As You Drive” Bulletin January 2008 « Pay_as_you_drive http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-553 “Pay As You Drive” Bulletin January 2008 « Pay_as_you_drive Sun, 27 Jan 2008 21:58:07 +0000 http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-553 [...] Subject: “Pay As You Drive” Information Dear Ladies and Gentlemen,   As I exposed in my answer to Mr. Engel of the company Stok, the technology companies are increasing, with their continuous evolution and desire to access to [...] [...] Subject: “Pay As You Drive” Information Dear Ladies and Gentlemen,   As I exposed in my answer to Mr. Engel of the company Stok, the technology companies are increasing, with their continuous evolution and desire to access to [...]

]]> Comment on Who will lead the project “Pay As You Drive” in Europe? by Salvador Minguijon Perez http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-552 Salvador Minguijon Perez Sat, 19 Jan 2008 18:50:14 +0000 http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-552 Dear Mr Engel. The patent was not sold in the auction. The interested companies had too many doubts because of: The spanish patent ES 2108613 is very different to the european one. The european patent EP 0700009 is only applied in Italy, France, Germany and England. The english patent is propiety of Norwich Union. And finally, Norwich Union has non exclusive licenses of the spanish, german and french patents. I think that you know, even better than me, that nowadays noone has doubts about that the project "Pay as you drive" is able, the discussion is centered in if in a 5 year term it will have a quota of market of the 10 or of 50%. There is a big uncertantly in what will be the technological solutions and which enterprises are going to definetely stay in the market. This uncertainty scares the insurance companies and makes them retract in such a way the promoters of the project are still the technological enterprises, that react creating more proposals and more uncertance. This will explote... In respect to the sell of the patent nowadays, there are negotiations with some enterprises, althought with complicated conditions. I imagine that this is also something that will be solutioned as we see how the market is going to evolve. I don't believe that the current situation will be prolonged more than some months. Regards Salvador Minguijón Pérez. Interim Management. + 34 649 49 17 70 + 34 976 59 58 71 Email: s.minguijon@salvador-minguijon.es Web: http://www.salvador-minguijon.es Dear Mr Engel.

The patent was not sold in the auction.

The interested companies had too many doubts because of:

The spanish patent ES 2108613 is very different to the european one.

The european patent EP 0700009 is only applied in Italy, France, Germany and England.

The english patent is propiety of Norwich Union.

And finally, Norwich Union has non exclusive licenses of the spanish, german and french patents.

I think that you know, even better than me, that nowadays noone has doubts about that the project “Pay as you drive” is able, the discussion is centered in if in a 5 year term it will have a quota of market of the 10 or of 50%.

There is a big uncertantly in what will be the technological solutions and which enterprises are going to definetely stay in the market. This uncertainty scares the insurance companies and makes them retract in such a way the promoters of the project are still the technological enterprises, that react creating more proposals and more uncertance.

This will explote…

In respect to the sell of the patent nowadays, there are negotiations with some enterprises, althought with complicated conditions. I imagine that this is also something that will be solutioned as we see how the market is going to evolve. I don’t believe that the current situation will be prolonged more than some months.

Regards

Salvador Minguijón Pérez.
Interim Management.
+ 34 649 49 17 70
+ 34 976 59 58 71
Email: s.minguijon@salvador-minguijon.es
Web: http://www.salvador-minguijon.es

]]> Comment on Who will lead the project “Pay As You Drive” in Europe? by henri engel http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-522 henri engel Tue, 08 Jan 2008 15:39:12 +0000 http://payasyoudrive.wordpress.com/2007/09/25/who-will-lead-the-project-pay-as-you-drive-in-europe/#comment-522 Dear Mr.Minguijon. I wonder how the auction of your patent for PAYD went last time ? Did you succeed in selling it ? Best regards, Henri Engel. Dear Mr.Minguijon.

I wonder how the auction of your patent for PAYD went last time ?
Did you succeed in selling it ?

Best regards,

Henri Engel.

]]> Comment on New auction round of patent EP0700009 by Pay_as_you_drive http://payasyoudrive.wordpress.com/2007/05/24/new-auction-round-of-patent-ep0700009/#comment-305 Pay_as_you_drive Wed, 29 Aug 2007 17:17:44 +0000 http://payasyoudrive.wordpress.com/2007/05/24/new-auction-round-of-patent-ep0700009/#comment-305 [...] Dear Ladies and Gentlemen,   David McClure Director of telematics in Research and Markets exposed in its last report on the branch tendencies:    “We have witnessed a dramatic change in the telematics industry in recent years, with the initial dominance of vehicle manufacturers being replaced by the business needs and policy objectives of the insurance industry and European governments. “But in order for them to realise their goals, we need to see a step-change from the current situation, where each telematics service requires different in-car hardware, to a point where all applications can be supported on a single platform. This will require major investment and at present, none of the principle stakeholders appears willing to make the commitment alone, each preferring to ‘piggyback’ their services off a system installed at someone else’s expense. “Our report clearly illustrates the benefits that can be achieved once the present impasse is resolved.”   Refering to the project “Pay as you drive” I fully coincide with the diagnosis of David Mcclure, it is a reality that I usually have to face with in the negotiations for the exploitation of the patent EP 0700009. [...] [...] Dear Ladies and Gentlemen,   David McClure Director of telematics in Research and Markets exposed in its last report on the branch tendencies:    “We have witnessed a dramatic change in the telematics industry in recent years, with the initial dominance of vehicle manufacturers being replaced by the business needs and policy objectives of the insurance industry and European governments. “But in order for them to realise their goals, we need to see a step-change from the current situation, where each telematics service requires different in-car hardware, to a point where all applications can be supported on a single platform. This will require major investment and at present, none of the principle stakeholders appears willing to make the commitment alone, each preferring to ‘piggyback’ their services off a system installed at someone else’s expense. “Our report clearly illustrates the benefits that can be achieved once the present impasse is resolved.”   Refering to the project “Pay as you drive” I fully coincide with the diagnosis of David Mcclure, it is a reality that I usually have to face with in the negotiations for the exploitation of the patent EP 0700009. [...]

]]> Comment on Strategic Positioning of the Insurance Companies regarding the projects “Pay As You Drive” by Pay_as_you_drive http://payasyoudrive.wordpress.com/2006/11/04/strategic-positioning-of-the-insurance-companies-regarding-the-projects-pay-as-you-drive/#comment-222 Pay_as_you_drive Sun, 24 Jun 2007 09:37:45 +0000 http://payasyoudrive.wordpress.com/2006/11/04/strategic-positioning-of-the-insurance-companies-regarding-the-projects-pay-as-you-drive/#comment-222 [...] by Swiss Re Centers for Global Dialogue.  In the first place what is more surprising was the variety in the concept of the project that the three present insurance companies had. Axa-Winterthur bets for a project of [...] [...] by Swiss Re Centers for Global Dialogue.  In the first place what is more surprising was the variety in the concept of the project that the three present insurance companies had. Axa-Winterthur bets for a project of [...]

]]> Comment on New auction round of patent EP0700009 by Pay_as_you_drive http://payasyoudrive.wordpress.com/2007/05/24/new-auction-round-of-patent-ep0700009/#comment-144 Pay_as_you_drive Sat, 26 May 2007 14:53:06 +0000 http://payasyoudrive.wordpress.com/2007/05/24/new-auction-round-of-patent-ep0700009/#comment-144 [...] In my article “New auction round of Patent EP0700009”, I make a little more detailed analysis of this [...] [...] In my article “New auction round of Patent EP0700009”, I make a little more detailed analysis of this [...]

]]> Comment on Reason to bid in the auction of the patent EP0700009, if you want to participate in the project Pay_As_You_Drive. by sminguijon http://payasyoudrive.wordpress.com/2007/04/16/reason-to-bid-in-the-auction-of-the-patent-ep0700009-if-you-want-to-participate-in-the-project-pay_as_you_drive/#comment-133 sminguijon Fri, 18 May 2007 06:16:05 +0000 http://payasyoudrive.wordpress.com/2007/04/16/reason-to-bid-in-the-auction-of-the-patent-ep0700009-if-you-want-to-participate-in-the-project-pay_as_you_drive/#comment-133 It is necessary to remember that the only project in real commercial phase is the "Pay as you drive" of Norwich Union and that Norwich already acquired the property of the patent in England, together with some other rights in other countries. What happened is that nobody made the first bid, although they would possibly have bid to avoid that their competition acquires the patent. It is necessary to remember that the only project in real commercial phase is the “Pay as you drive” of Norwich Union and that Norwich already acquired the property of the patent in England, together with some other rights in other countries.

What happened is that nobody made the first bid, although they would possibly have bid to avoid that their competition acquires the patent.

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