Car insurance rises through smartphone

 

Insurers raise the alarm about the number of traffic accidents caused by smartphone use.

As a result of higher personal injury claims, they will increase its insurance.

As a result of higher personal injury claims, they will increase its insurance.

Also Achmea sounds the alarm about accidents by using mobile phones in the car.

Claims

Claims

 

Although exact data on the number of accidents caused by the use of mobile phones in traffic are not available, both insurers see the claims of eye and injury damage rising rapidly. 89 per cent of motorists would use a smartphone in the car according to the figures.

Loss

Loss

 

According to Friese, who had to collect millions of euros in losses, the premiums will have to go up by October. The insurer will not or can not say how much more expensive the insurances are at Nationale-Nederlanden. Achmea does not yet know whether the premiums will rise.

Red numbers

 

The non-life insurance company of NN wrote red figures in the second quarter of this year. The loss amounted to no less than 27 million euros and that has to be compensated somewhere. Use of smartphones and other devices in traffic leads to a significant increase in the probability of a serious accident. In addition, the age of a driver is also an important factor for the increase. Research shows that the oldest and youngest road users cause the most traffic accidents.

Policy

 

Motor insurance policies depending on the driving behavior of the driver will continue to increase in popularity expected market research company . That is the conclusion they made on the basis of extensive research among 30,000 motorists.

In a so-called ‘driving behavior policy’, information is collected about the driving behavior of the driver via an app or a specially installed device in the car. The collected data are assessed by the insurer and in case of ‘good behavior’ the insured receives a reward, usually in the form of a discount on the premium.

Driving behavior insurance

Driving behavior insurance

 

In the study, 1 in 5 respondents indicated that they were willing to share data about driving behavior in exchange for a reward. The most chosen and attractive form for a reward is a discount on the premium. A refund of overpaid premiums would be a good alternative, but discounts at petrol stations, discounts on parking fees or gift vouchers are perceived as less attractive by motorists. Almost half of them are also really prepared to take out driving insurance.

Adjusting driving behavior

 

Approximately 30 percent of motorists say that they are going to be safer after taking out driving behavior insurance. However, 38 percent said they did not have their driving behavior at all. Market research firm expects that by 2020 at least 25 percent of all motor insurance will consist of a form of driving behavior policy.

Compare insurance

 

 

It is very wise to regularly compare the premiums, conditions and the own risk of car insurance. An insurance policy that you carefully researched a while ago can now be adjusted by the insurer.

If you already have an insurance policy elsewhere, you can compare this. If you want to switch with 3 or more insurances, we have a special offer where we can offer a package discount with which we are at least 10% lower than your current premium . You are therefore always better off with a switch.

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