(Quebec) This is not the Societe de l’assurance automobile du Québec (SAAQ), which will install cookies in automobiles of Quebecers to determine their driving habits and possibly give them discounts. For fear of missing voluntary, the government body distanced telematics.
While private insurers are promoting type of covers “pay as you drive” for some years, the SAAQ confirmed in February 2015 its intention to take the train from telematics.
A pilot project was to be developed in the year and for volunteers. In exchange for the installation of a GPS module recording their valuable driving data (number of kilometers traveled, speeding, hard braking, rapid acceleration, etc.) and provided good behavior behind the wheel, the drivers would be offered discounts on their insurance contributions.
“The telematics, we think it can be a winner and holder if it makes the tool available and that leaves the choice to the customer to use it or not,” said then President and CEO of the SAAQ, Nathalie Tremblay, Sun interview.
A year later, the SAAQ throws in the towel. Dave Leclerc, vice president of public affairs and road safety strategy, told the Sun that the idea was discarded after the team of research and development has made a further assessment and has come to the conclusion that there was a real risk of running out of volunteers.
First, there was this survey that the SAAQ had on hand at the beginning of 2015, revealing that only a minority of licensees driving (39%) showed favorable to the registration and use data on their driving habits for the insurance companies establish a premium.
“Clearly, people have a reluctance to face telematics said Mr. Leclerc. As a Crown corporation, I want to make a voluntary program, I want to test things, I want to go see if it can carry, but basically, if I did not participate, I risk ” recognizes the vice president.
Moreover, Saskatchewan, which tested telematics with the small group of motorcyclists, ended its pilot project for lack of participants. “In addition, they had a major incentive. We talk about $ 150 “rebate on the premium, said Mr. Leclerc.
The technological advancement has also weighed in the balance, the SAAQ has found that the tools and applications varied widely among insurers when the programs were launched. And evolution is not finished with the development of autonomous vehicles.
As for the possibility raised by the former Minister of Transport, Robert Poëti, promote partnerships with the private sector, it was not successful because insurers do not colligent the same information and do not necessarily recognize the same behaviors . “It is difficult to have a program that recognizes things that are not the same everywhere,” says Leclerc.
This ensures that the study of the file has not led to the SAAQ paid for – “zero dollars” – in addition to the salary of some analysts in R and D, which always lead several research front. A vigil will continue also on a global scale, if other governments would find the right way to take the turn of telematics.
The private still believes
Private insurers, they continue to believe in the product. Industrial Alliance was the first in 2012 to provide a modulated auto insurance depending on the driving behavior of young drivers. Still in force, the Mobiliz program is currently the subject of a technology upgrade, then the promotion will be revived, says Stéphanie Béland, Communications Advisor. “In our business strategies, it’s not something you forget it. We will just push the product further, “she said.
Enthusiasm Desjardins, who has developed a mobile application for its Ajusto program. “This is a product that is very popular with our policyholders and yes, it is a product in which it is believed,” confirmed the Sun Josiane Bujold, public relations consultant.
In 2015, 6% of those with a driver’s license (or their relatives living under the same roof) had contracted an insurance product influenced by driving habits, according to statistics passed by the SAAQ.