Pay as you drive insurance

[goldNSX]

I've just read in the NZZ about a insurance in the States that is planned or realised where people are observed by GPS how, when, where and how aggressive they drive. the insurance then bills the people due to their observed risk profile.
Did anybody hear of this or does anybody have such an insurance. There must have been pilot tests in Texas and the insurance company is Norwich Union.

Regards,
Thomas

 

[steveny]

I've just read in the NZZ about a insurance in the States that is planned or realised where people are observed by GPS how, when, where and how aggressive they drive. the insurance then bills the people due to their observed risk profile.
Did anybody hear of this or does anybody have such an insurance. There must have been pilot tests in Texas and the insurance company is Norwich Union.

Regards,
Thomas

I sure hope they don't make this common place.

 

[queenlives]

I've just read in the NZZ about a insurance in the States that is planned or realised where people are observed by GPS how, when, where and how aggressive they drive. the insurance then bills the people due to their observed risk profile.
Did anybody hear of this or does anybody have such an insurance. There must have been pilot tests in Texas and the insurance company is Norwich Union.

Regards,
Thomas

not an expert on the subject, but my impression is this type of monitoring has become more routine with the use of commercial vehicles - rental cars, trucking, delivery companies, etc. unlikely much impact on personal vehicles.

 

[Pacemaker Kid89]

Then wouldnt everyone have to have GPS then? And if it does work, older cars wouldnt have it, so you couldn't track them.

 

[ss_md]

I don't think this would ever happen. There would be a major INVASION of PRIVACY lawsuit within days of implementation!!

 

[goldNSX]

That's my main argument against this stupid idea. I'm not interested and reject completely the idea where, at which speed, in what style I drive. To take it one step further: Why doesn't the police link a ticket system to this 'Pay as you drive'-system. As soon as you drive 1 mph too fast you get a ticket automaticly. Why doesn't your lawyer connect a system to this system above and gets a automatic message whenever you visit your mistress and reports it directly to your wife who send via the same GPS-system the divorce. Whereever you'll meet your mistress, five minutes later, your wife, children and dog, television, her lawyer hands out the divorce and broadcast it at prime time on TV. Unwanted reality show as the f...ing TV shows are full of them. Sorry, but I think it's more than sarcastic.
I deeply hate the idea of entering the George Orwells world and strongly fight for the privacy.

 

[heySkippy]

I don't think this would ever happen. There would be a major INVASION of PRIVACY lawsuit within days of implementation!!

Who are you going to sue? The company that you voluntarily gave money to with the understanding they were going to do exactly this? We are talking about an insurance company, not the government. Some people would probably allow the tracking in exchange for low rates.

 

[queenlives]

That's my main argument against this stupid idea. I'm not interested and reject completely the idea where, at which speed, in what style I drive. To take it one step further: Why doesn't the police link a ticket system to this 'Pay as you drive'-system. As soon as you drive 1 mph too fast you get a ticket automaticly. Why doesn't your lawyer connect a system to this system above and gets a automatic message whenever you visit your mistress and reports it directly to your wife who send via the same GPS-system the divorce. Whereever you'll meet your mistress, five minutes later, your wife, children and dog, television, her lawyer hands out the divorce and broadcast it at prime time on TV. Unwanted reality show as the f...ing TV shows are full of them. Sorry, but I think it's more than sarcastic.
I deeply hate the idea of entering the George Orwells world and strongly fight for the privacy.

actually, there's **lots** of benefit to many people / companies that choose to use gps-integrated systems to track their commercial shipping vehicles... say, like those who might be trucking your nsx across the country and it doesn't show up because the driver opted to head where s/he shouldn't be to sell it for parts.

likewise, my understanding is these sytstems are valuable on many various fronts - maintenance, misuse, abuse and bad driving habits - you know, stuff that shouldn't be done with a commercial/rented vehicle. iirc, industry studies indicate this has been an effective means of curbing all of the above for commercial vehicles.

we're in agreement that (at least) pov's should be exempt from this. otoh, if it means that my / family's good driving habits result in lower premiums, etc, sign me up for that program, too.