—– Original Message —–
Sent: Wednesday, October 21, 2009 6:54 PM
Subject: Pay As You Drive Bulletin October 2009
Dear Ladies and Gentleman,
In these moments there is a frantic activity in France with regard to PAYD. To explain what is happening we have to go back some years.
The project of Norwich had created a great expectation in all Europe and probably more in France, where the concept of individuality is deeply rooted.
So, quickly, MAAF presented a project that was not approved by the competent authority (CNIL) because:
– The excess of speed is a crime (in France) and crimes can only be registered by the state.
– It was not judged proportional the sensibility of the information of vehicle localization with the saving or utility that the user would receive.
During a time a lot of tension was generated because the insurance companies feared that they will lose the position of European leadership if they could not work in the development of this product in their own interior market.
Later on AXA presents a project for professional fleets that received the approval of the CNIL. I don’t have information of the further development of this project, but it is clear that it supposed the seed of the application created by STERIA-ORANGE-KUANTIC, which seems to be able to become one of the leaders in Europe.
Another actor that enters in scene is Solly-Azar. It’s a project focused to the profitability, directed to the niche of the young drivers and repeating the marketing outline developed by Norwich. It leans on in the interest of Cobra to win a hole in this market (also in England, following the same strategy) that its competitor Octotelematic has surrounded in Italy.
The new mark of Groupama, Amaguiz, was the next to move. In fact it is a little more than a test with a modest objective of reaching 30.000 clients in 3 years. It is only billed by the traveled kilometers, knowing well that the schedules and areas by those that you circulate would present a higher correlation with the risk. When using a different mark is eliminated in great way the risk that their own clients are those that change to this cheaper policy. The supplier of the technology is Octotelematic, a company that has demonstrated to have the ability and necessary commercial skins to transform its antitheft system into the application leader of the PAYD in Europe.
The following action, basically defensive, comes from AXA by creating a specific product for those drivers that make less than 4000 km a year. A market that otherwise would have corned Amaguiz.
Their technological partner is Steria and on this technological base, both MAAF and MMA are going to develop projects that probably have more ambitious targets.
And..there are more… AVIVA, AGF…
The first steps of AXA have some similarity with what is now happening in Spain with the activities of Mapfre.
What will happen in Germany?
What will make Siemens to be in this market? It is unthinkable that it wouldn’t have an outstanding role in Europe.
The project of Norwich had created a great expectation in all Europe and probably more in France, where the concept of individuality is deeply rooted.
So, quickly, MAAF presented a project that was not approved by the competent authority (CNIL) because:
– The excess of speed is a crime (in France) and crimes can only be registered by the state.
– It was not judged proportional the sensibility of the information of vehicle localization with the saving or utility that the user would receive.
During a time a lot of tension was generated because the insurance companies feared that they will lose the position of European leadership if they could not work in the development of this product in their own interior market.
Later on AXA presents a project for professional fleets that received the approval of the CNIL. I don’t have information of the further development of this project, but it is clear that it supposed the seed of the application created by STERIA-ORANGE-KUANTIC, which seems to be able to become one of the leaders in Europe.
Another actor that enters in scene is Solly-Azar. It’s a project focused to the profitability, directed to the niche of the young drivers and repeating the marketing outline developed by Norwich. It leans on in the interest of Cobra to win a hole in this market (also in England, following the same strategy) that its competitor Octotelematic has surrounded in Italy.
The new mark of Groupama, Amaguiz, was the next to move. In fact it is a little more than a test with a modest objective of reaching 30.000 clients in 3 years. It is only billed by the traveled kilometers, knowing well that the schedules and areas by those that you circulate would present a higher correlation with the risk. When using a different mark is eliminated in great way the risk that their own clients are those that change to this cheaper policy. The supplier of the technology is Octotelematic, a company that has demonstrated to have the ability and necessary commercial skins to transform its antitheft system into the application leader of the PAYD in Europe.
The following action, basically defensive, comes from AXA by creating a specific product for those drivers that make less than 4000 km a year. A market that otherwise would have corned Amaguiz.
Their technological partner is Steria and on this technological base, both MAAF and MMA are going to develop projects that probably have more ambitious targets.
And..there are more… AVIVA, AGF…
The first steps of AXA have some similarity with what is now happening in Spain with the activities of Mapfre.
What will happen in Germany?
What will make Siemens to be in this market? It is unthinkable that it wouldn’t have an outstanding role in Europe.
If somebody wants that their address is erased of my distribution list, please return me this message with the word “DELETE.”
As always, I have upgraded my “
Pay As You Drive Directory ” and my News Bulletin.
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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