Distracted driving is becoming a bigger problem than ever before. It’s a menace that has grown steadily as the public have become more reliant on their smartphones. Smartphone addiction is a leading cause of distracted driving, and it’s costing more than just higher premiums.
Some people simply struggle to remain focused through no fault of their own. The problem is that becoming distracted behind the wheel can have fatal consequences – and not just for the person who’s distracted.
Motor insurance companies have a responsibility to their customers. Not only do they need to be there in the wake of an accident, to offer financial and legal support – but they need to play an increasingly active role in the prevention of accidents.
This will allow insurers to keep their prices as low as can be, maintain their profitability, but above all; keep their customers safe. Insurers need to be there when accidents happen. But they also have a duty in making sure they are kept to a minimum.
Tackling Distracted Driving
Insurers can do this by engaging more with their customers, and not just when it comes to renewal time. They need to take steps to help their customers stay safe on the roads, through advice and practical support.
When a danger like distracted driving grows in prominence, they can help raise awareness and put strategies in place to reduce the risk. Ultimately this benefits everyone.
Technology can help them in this endeavour too, especially telematics. The software that enables insurers and policyholders to work together to gain a greater understanding of danger and how to combat it.
There’s lots of telematics technology on the market today, but when it comes to tackling distracted driving Bluesona are in the lead. Their LoopMatic product is an ideal solution for insurers aiming to help their customers overcome distraction when behind the wheel.
How Does LoopMatics Tackle Distracted Driving?
LoopMatics offers all of the benefits associated with telematics technology, but what makes it really shine is its distracted driving prevention measures. As LoopMatics works through an in-car device and a mobile application, the software knows when the user is driving and engaging with their smartphone at the same time.
Fighting the urge to reach for a smartphone is difficult for those suffering from smartphone addiction. But many accept they need to overcome this problem, as not doing so could lead to an accident.
Naturally, LoopMatics requires user cooperation and consent, like all telematics technology does. But those who willingly offer this will reap the rewards in time. Not just through their increased safety, but through savings in their insurance premium too.
How It Works
LoopMatics utilises an infraction system, if a user glances at their smartphone to read a text message while driving, they will earn a minor infraction for taking their eyes off the road. The user will have needed to pick up their phone or reach across to tap the screen in order to do this. Either way, the software will record this engagement and mark the user down for it.
If however, the user picks up their phone and replies to a text message while driving, then they will earn a major infraction. Not only have they taken a dangerous risk, they’ve also broken the law. While the software will not report them to the authorities for such an act, it will record it in its log files.
The software will later provide a report for the user, advising them what they did well and what they did wrong. Including the infractions. It will then offer some practical tips on what the user can do to avoid making the mistake again. For example, the software will offer to mute and not display notifications while the user is driving in future journeys.
The user can refuse this help, or tailor it to suit their needs. For example, the customer will earn no infractions if they receive a phone call and answer it through their car’s hands-free system. But text messages or social media notifications can still be paused while driving.
How This Helps Insurers
Insurers will also have access to this data, and customers will know this. They will also know that their infractions can influence their insurance premium in the long term. Something that will motivate them to become less distracted while driving.
More and more customers are realising that going with an insurance company who offers LoopMatics ultimately benefits their wallets, not to mention their road safety. They therefore factor this in when shopping for a new premium.
Insurers would do well to take advantage of this too, as investing in LoopMatics technology not only attracts new customers – It attracts the right customers. Those who want to drive responsibly and are prepared to accept your help in doing so.
Mobile telematics refers to a range of products that keep track of the driver’s data. This is recorded in an effort to identify trends that can then be turned into practical advice to encourage safer driving.
Motor insurance companies usually offer it through expert third-party organisations that supply them. This helps insurers provide more accurate premiums and essentially reward good drivers through monetary savings. Which along with improved safety, is the other main benefit of installing mobile telematics.
Not only does mobile telematics enable safe drivers to save money on their car insurance, but it also helps all motorists develop their skills and awareness behind the wheel. The software shows their insurance provider how much they are improving, allowing them to apply for a better deal over time.
How Mobile Telematics Works
Mobile telematics is used through a plug-in car device connected to software installed on a smartphone via an app. This software monitors the driver’s behaviour, be it their everyday driving habits or their phone usage while they drive. So, if they decide to read a text message, the app will know.
The app tracks infringements such as texting behind the wheel and offers some practical methods to avoid this. Reading a text message as they drive would represent one infraction but replying would represent a bigger one – as this takes far more engagement and represents a more significant distraction.
The software would alert the driver to their infraction and offer support to encourage them not to do it again. For example, the app can silence all notifications automatically when driving starts to resist future temptation of distraction.
The software also provides feedback after each journey, giving users a score. The app then provides insight into what they did well and where they could do better. The goal is to help them become safer drivers and save money by doing so.
As mobile telematics is provided through the insurance company, they too will have access to this data, and it will influence their coverage – the cost of it in particular. Of course, drivers who want to continue doing things like texting behind the wheel will avoid such insurance companies and resist innovations like this.
But those who are more open to mobile telematics will ultimately reap the rewards. Some people are naturally safe drivers, and they will benefit the most from this technology. They will finally earn the insurance premiums they’ve always wanted and be able to back up why they deserve the lowest prices.
Bluesona’s aim is simple; we want to help reduce distracted driving. In doing so, we hope to make the roads a safer place and help motorists continuously polish their skills.
Of course, increased safety is its own reward, but Bluesona’s products finally offer safe drivers the best path to savings on their insurance premiums. But arguably more importantly, it will help drivers improve keeping themselves, their families and other road users safe.
The good news is using their software/products is free to customers. All they need to do is go with an insurance company that offers the Bluesona product range. Bluesona get paid by the insurers, not through the insurer’s customers.
More and more insurance companies are embracing mobile telematics, and Bluesona is leading the charge in the UK and Ireland. If you’d like to improve your driving skills, improve your road safety, and save money simultaneously, we’d highly recommend their telematics technology.
Every good insurance company knows the key to success is making sure their customers are safe and road accidents are kept to a minimum. This way they can continue to offer the best coverage for the most affordable price.
However, they need their customers to also play their part, and drive as safely as they can. Many customers are already incredibly careful drivers, but others may need our support in improving their skills.
Here are five ways we can help them achieve this:
1. Stress the importance of obeying the law
Laws exist for a reason. Even if your customers disagree with some of them, laws still must be obeyed. Not following them does nothing to help your customers from a safety or financial point of view.
The more laws they break, they are at more risk of having an accident. Make customers aware of the consequences if they are found to be responsible for an accident. Especially if they were breaking the law when it happened.
It benefits them and you for them to understand this. Accidents happen, but they can be minimised by obeying the law.
2. Encourage regular car maintenance
A clean and well-maintained car is a safer car. Wear and tear can be kept to a minimum, and problems can be spotted and resolved before becoming a danger.
The longer people have a car, the less pride they tend to take in it. This means everything except legally mandatory maintenance, like MOT and servicing, often falls by the wayside.
Always encourage customers to keep their cars clean and maintained. Ultimately this will make their vehicle safer to drive, helping keep their premiums down. That is what they care about.
3. Offer regular tips on current trends
As a motor insurance company, you’ll naturally keep up to date on current trends and threats to road safety. Make an effort to inform your customers of this information.
Consider creating and advertising an informative blog or running text and email campaigns geared around road safety. You could even create monthly questionnaires about these topics and reward participation through discounts or prizes.
This will encourage engagement and make sure your customers go out of their way to learn information that will keep them safe. People love chasing a bargain, so help them do so in an educational way.
You can also share real data with them. This way your customers can see that your efforts are motivated by a genuine desire to keep them safe rather than just another marketing ploy.
4. Incentivise your customers
Many customers will roll their eyes at or ignore data and other efforts to encourage them to drive safely. Many will just go back to doing what they always do and resist your methods.
But incentivising your customers through monetary gain (or savings) is always a reliable motivator. Even if your customers don’t seem to value their own safety, appealing to their wallets may get their attention more.
Always try to incentivise anything you do that is customer-facing. Human beings are often guided by a ‘what’s in it for me?’ approach, so make sure there is something in it for them.
Also reward customer loyalty and safe driving. Make these customers know they are valued and that they are your best drivers. If the safest drivers are treated like VIPs and have access to the best premiums, more customers will drive more carefully to attain these same rewards.
5. Offer the latest innovations
Look to technology and the latest trends when adjusting your products. Right now, distracted driving is a major threat to road safety. Smartphone addiction while driving is a legitimate killer, but help is available.
Consider offering telematics technology to your customers, such as Bluesona’s LoopMatics software.
The technology helps drivers overcome distractions behind the wheel and aims to improve their skills with each journey. This d1dddata can be viewed by them on a daily basis, as well as being available to you as their insurer. The safest drivers can then use this information to justify why they deserve the best premiums.
In time other customers will also want to earn similar rewards, so your customers who have LoopMatics technology installed (in their car and phone) will work hard to become safer drivers. In doing so, reducing their risk of having an accident. Also reduces your risk as an insurer greatly.
Installing this technology benefits both the driver and insurer in the long run and represents a worthwhile investment.