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Dublin: 10 °C Thursday 23 May, 2013

AXA pilots ‘big brother’-style car scheme

People who take part in the Drivesave scheme, which monitors their driving behaviour, can save up to 30 per cent off their insurance.

Image: Mark Stedman/Photocall Ireland

AXA HAS INTRODUCED a new pilot scheme that monitors drivers’ movements – while saving them money on insurance.

Its Drivesave programme is the first of its kind in Ireland and was designed to improve road safety and reduce motor insurance premiums for drivers.

How it works

AXA says that Drivesave uses a combination of telematics: GPS satellite technology and mobile phone technology to record a car’s location and speed.

This is linked to a mapping database by Nav Tech that covers all roads and speed limits in the Ireland, which is run in conjunction with MyDrive Solutions.

Who is it aimed at?

The pilot will be aimed initially at young drivers aged between 17 and 24 years, who are looking for a policy in their own name or as a named driver on a parent’s policy.

Drivers who take part in the pilot will be rewarded with an extra 20 per cent discount off AXA’s insurance rates instantly.

If their driving is better than a performance target in the Drivesave scoring system, they will be refunded a further cash back of up to 10 per cent of premium during the year.

Equipment

The drivers taking part will have special equipment fitted free of charge to their cars. The equipment will monitor and report their overall driving style, anticipation, driving speeds, distance, cornering and stopping force.

The drivers will also have access to their own individual password protected portal on the web so they can  monitor exactly how they are doing, what scores they are achieving – and how they can improve their driving.

Paul Moloney, Head of Corporate Affairs at AXA, described the initiative as a road safety one.

Realistically, the only way to reduce insurance premiums is to reduce the number of accidents and the consequent cost of claims. It’s a proven fact that speed is a major factor in road accidents and if young drivers are prepared to show a commitment to careful driving within the speed limits, then we at AXA are prepared to offer those drivers lower premiums.

Moloney said that “the only cure is prevention” and the initiative enables AXA “to recognise and support young drivers who drive safely”.

Read: Drivers ‘paying €30 each’ to cover those without insurance>

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Comments (39 Comments)

  • And soon everyone will have to do it.

    Reply
    • It’s already being done unknown to a lot of people. Car manufactures such as BMW, Mercedes and Volvo are using computer technology which, when examined, shows the speed, revs, acceleration, time of driving and braking force on their cars etc. It can be examined by garages to prove if the driver is abusive with the car causing faults etc. The Gardai have access to these statistics also when investigating fatals and have prosecuted drivers in court based on the evidence of the C.P.U unit. I don’t think they have the GPS on them, but the computer can place the car at a particular bend on a map based on the braking and acceleration out of bend afterwards towards the next bend etc. very interesting stuff and apparently will be made standard in all future vehicles.

      Reply
    • 30% discount from an insurance company??

      Will that be the usual (T&C apply) put it up by 40% and then give a 30% discount?

      Reply
  • I was insured with AXA for 2 years. Just ran out last week. Their quote for third party on a 1.1L with 2 yrs no claim bonus was E1000. FBD offered the same cover for E620, That’s a reduction of 38% and I don’t have big brother following me about..

    Reply
  • I don’t agree with this. Yes indeed speed kills, but there’s an awful lot more to safe driving then constantly watching the speedometer. I’d be paranoid if that thing was fitted to my car.

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    • Your dead right, I did an advanced driving course that was offered by hibernian years ago as an incentive for a reduced premium and the instructor, an ex-rally driver and garda driver instructor, thought me how, among other things, to read the road in front of me, my position in traffic, in relation to the car in front and behind me etc and was less concerned about how fast I was going. There are roads around the capital and country where all traffic exceeds the speed limit (if only by 10 or 15 kph) and sitting behind the wheel watching the speedo, worrying about how much your insurance is going to cost is not a good idea

      Reply
  • gerry 30/08/12 #

    Axa offered this same scheme a few years ago the only difference was that you had to pay a refundable €2000 approx for the equipment to be attached to your car. I looked into it at the time but I didn’t have the funds to take up the scheme.

    Reply
  • I hope they’re compliant on Data protection. It would be an advertisers dream to know the exact movements of their prospective customers, and the AXA databse will easy segment them into the different categories (Sex/Age/Occupation) etc.

    Reply
  • andrew 30/08/12 #

    Allowing a third party to track where you are going and at what speed.. not worth 30% discount imo

    Reply
  • No argument in safety improvements but this is the start of a big brother system for all. Type approval seems to be on the way for bikes and it includes some ludicrous recommendations expect the same for cars and more insurance companies to follow axa down this road. One thing is certain this is going to cost us. I expect that at some point in the future when alot of drivers have these systems installed insurance companies come up with some excuse to drive premiums up while claim rates fall.

    Reply
  • insurance companys just looking to part you with your money,another way to escape liabilities if your unfortunately in an accident,they will have all this information from tracking your driving habits and make sure you get no payout,there as bad as the banks insurance companys

    Reply
  • cant see there being much of an uptake with this. 30% discount by axa theyre still going to be dearer than anyone else

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  • Just out of curiosity, I wonder would it also be possible to use this as a tracing device in the event of theft? Or could you also set up geo- fencing in it? That might possible entice me to use it.

    Also, does it use your speedo for the sped readings, or the sat nav capabilities? Seen as all speedos aren’t calibrated 100%.

    Reply
  • We already have is system like this in work and it’s nonsense, the vehicles have a little display on the dash with a green, amber and red light to tell you how your driving, and for example you go around a roundabout today at certain speed and the little black box stays green and seems happy with you then a while later you go round same roundabout at same speed and the f**kin thing starts flashing red or amber and you’re left going wtf did I do wrong now??? Some of the vehicles in the fleet are more sensitive than others and what you would consider even gentle acceleration or braking causes amber or red lights and after a while frustration starts, it’s like having a back seat driver with you in the vehicle !

    Reply
  • Wow? This is super interesting. Seems like a genuine way to tackle the problem on the roads. I wonder what the uptake will be though and if the tracking system is open to abuse on either side i.e. you have a perfect driving score but somehow you don’t get the 20% off your premium.

    Reply
  • Axis had this a few years ago. It operated using GPS and a ’3 strikes and you’re out’ system whereby you were out of the scheme if you exceeded the speed limit on a set number of occasions, over a period of three years. Also, they offered you a full no claims discount if you passed the programme claim free after three years. Good idea to promote safe driving.

    Reply
  • This sounds like a great idea for road safety

    But only so long as I can disable it on a Saturday night so I can go boy racing with the local teenagers. I’ve just put on some No Fear stickers AND some Lightning Bolts so I expect the car to go extra fast this weekend !

    Reply
  • legal fees and huge pay outs are the bigger problem. people should be happy to get their car fixed and have the medical bills paid for!

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  • Twin brother had something like this in his car nearly 10 years ago I’d say. it would beep if he went over the speed limit. really annoying beeping so it does work to slow you down. Every few months they sent him out a little report on how he was doing, giving out a little depending on how often he went over the speed limit and also saying good man for being good overall. I’d probably last about 5 minutes before I ripped it out and hooked it upto the local bus somehow

    Reply
    • paul mc 30/08/12 #

      I saw a film about that once. And if the bus came back under the speed limit, there’d be a really annoying beeping, so they couldn’t slow down — some old lady was asleep in the back and they didn’t want to wake her I think — and then things went mad altogether and they jumped over a bridge. Or something. I’m not sure, I was half asleep at the time.

      Reply
  • A woman deffo came up wit dis tracker idea wit d sole purpose of knowing her partners every move!! And den sold d idea 2 axa as a cover up story wen he found out !

    Reply
  • Barro 30/08/12 #

    How long is it fitted to the vehicle for?

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  • my sister who is 19 priced insureance on a 1.4 astra 95 model.. 6,500. I pissed myself laughen..

    Reply
  • colmal 30/08/12 #

    If you are claim free for 5 years,with no penalty points,10%off,10 years. Claim free,20%off.you would see a better behaved driver.

    Reply
    • If there was a maximum ceiling on what an insurers can quote people the discounts might mean something, but in the current system, what exactly is the 20% supposed to mean for me? My claim free driving gets me 20% off what? Whatever number they pluck from thin air? These ‘discounts’ are a work of fiction because the premiums are so wildly and blatantly inflated beyond what they should be with absolutely no regulation worth talking about. Even when you factor in a ‘discount’ the insurer is still making a healthy profit on the premium.

      I have a full licence for 12 years and 10 years claim free driving (2 yrs without a car), I’ve never even needed to make a windscreen claim, yet every time I come to renew my insurance I am treated with utter contempt by insurers. It would appear that insurance companies don’t want drivers costing them money by causing accidents they have to pay for but then they also begrudge drivers with a clean record because they don’t want to reward them for same with any kind of noticeable discount. Take note of the number of insurers who won’t allow you to input 10YRS No Claims on their website because they say 5+ is the maximum that they consider. What does that tell you? They don’t care if you have 20YRS No Claims.

      The insurance companies are as bad as the banks. Despite their industry being bailed out by the taxpayer in the 80s and despite the fact we’re still paying a levy for that on every single insurance policy we have.

      If you ask me this scheme is being introduced with an ulterior motive.

      Reply
  • SMcB 30/08/12 #

    Don’t talk to me about AXA… Robbery … My parents are insured with same… Loyal customers for 38 yrs. My insurance is cheaper and Im driving 5 yrs and I drive a more powerful car. I wish they would move elsewhere…

    Reply
  • This will definitely reduce accidents especially the no.1 cause of crashes rare end collisions by tailgating.

    Reply

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