—– Original Message —–
From: Salvador Minguijon
Sent: Sunday, June 24, 2007 10:05 AM
Subject: “Pay As You Drive” Information.
Dear Ladies and Gentlemen,
We have been able to extract very interesting information from the event organized 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 similar concept to the project “Pay as you drive” of Norwich Union, that is to say a powerful telematics system that can serve as support for other additional services, Swiss Re for a similar application to the project Trip Sense of Progressive, that is to say a simple system of acquisition of data, without use of telematics systems and HUK-Cotburg believes that the only project utility is the access to small market niches.
Maybe it corresponds to remember that both Axa and Winterthur have participated and are participating in numerous projects and have accumulated a great experience in this field with different types of solutions.
On the other hand, in the same article we can also observe the interpretation of IBM that considers the project “Pay as you drive” like a extra component of a global telematics project of traffic control.
It is for sure this will be this way in a large part of the world, but in what refers to Europe, the last events happened in England that is the most active country in this type of initiatives, seem to indicate clearly that the projects Road Charge will be developed independently of the system “Pay as you drive” and that only in about 10 year term it could begin to have a convergence toward the vision exposed by IBM.
Regarding to the central topic that was the privacy in the information, it is stressed the danger that supposes the centralized storage of precise information especially for the temptation that can have the own state to their access.
This is a consideration to incorporate to the French interpretation that prohibited private people to register criminal facts, as the excess of speed in that country, and to the German that was especially concerned for the possibilities that the system offered to detect the social relationships of an user. I recommend to read the article “The respect to the privacy in the projects Pay As You Drive” again.
I believe that the correct solution is to use a powerful and versatile system that can assume other services, such as the one that Norwich Union proposes, and in the countries where one has the immense luck to be able to value the privacy above the security, to restrict the type of information that is given to the insurance company to respect the limit accepted by the society or the own client. This doesn’t limit the possibilities of evolution of the system in the future and it respects the social restlessness.
It is desirable that the system informs immediately the user that he is driving too aggressive or quickly and that this, besides dangerous, has an impact in his insurance invoice. But this doesn’t imply that it is necessary neither to transmit nor to store the exact data of where, when, how, etc has taken place a concrete fact. What seems convenient is that the user is informed permanently of the state of his bill with the insurance company, and that has a short period of time to claim, if is in disagreement.
Before the possible expectations of future of the project there are enough companies that are developing or offering different types of solutions, some of them very creative as Roadbeacon or PayGo, although it will be difficult to get a business parcel in a market in which there are companies that have been taking enough years working and they have very elaborated products as IMS.
What is new and significant is the leadership role what Agentes Ag has decided to play, it presents a very similar concept to the one proposed by T-Systems and Detecon, companies that it seems where affected by the crisis of Deutsche Telekom. Agentes stress the importance of this system like communication channel with the client, something of what very few companies had been noticed and that should be a key element of success of the project.
As always, I have upgraded my “Pay As You Drive Directory”, I recommend you that, at the end of that site you see the connections to other appeared news this last month, some of them are very interesting.
If somebody wants that their address is erased of my distribution list, please return me this message with the word “DELETE.”
Yours sincerely.
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
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