In-car usage-based insurance feedback strategies. A comparative driving simulator study

Journal article (2016)

Authors

C. Dijksterhuis University Medical Center Groningen, OLD Intelligent Vehicles & Cognitive Robotics
Ben Lewis-Evans University Medical Center Groningen
Bart Jelijs University Medical Center Groningen
Oliver Tucha University Medical Center Groningen
Dick de Waard University Medical Center Groningen
K.A. Brookhuis Transport and Logistics - TPM , University Medical Center Groningen
Research Group
OLD Intelligent Vehicles & Cognitive Robotics
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Published Date

2016

Language

English

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Research Group

OLD Intelligent Vehicles & Cognitive Robotics

Abstract

Usage-Based Insurances (UBI) enable policyholders to actively reduce the impact of vehicle insurance costs by adopting a safer and more eco-friendly driving style. UBI is especially relevant for younger drivers, who are a high-risk population. The effectiveness of UBI should be enhanced by providing in-car feedback optimised for individual drivers. Thirty young novice drivers were therefore invited to complete six experimental drives with an in-car interface that provided real-time information on rewards gained, their driving behaviour and the speed limit. Reward size was either displayed directly in euro, indirectly as a relatively large amount of credits, or as a percentage of the maximum available bonus. Also, interfaces were investigated that provided partial information to reduce the potential for driver distraction. Compared to a control no-UBI condition, behaviour improved similarly across interfaces, suggesting that interface personalisation after an initial familiarisation period could be feasible without compromising feedback effectiveness. Practitioner Summary: User experiences and effects on driving behaviour of six in-car interfaces were compared. The interface provided information on driving behaviour and rewards in a UBI setting. Results suggest that some personalisation of interfaces may be an option after an initial familiarisation period as driving behaviour improved similarly across interfaces.