{"id":996,"date":"2017-02-08T18:35:05","date_gmt":"2017-02-08T18:35:05","guid":{"rendered":"https:\/\/www.iowdrivingacademy.co.uk\/?p=996"},"modified":"2017-02-08T18:35:05","modified_gmt":"2017-02-08T18:35:05","slug":"texting-whilst-driving-to-increase-insurance-premiums","status":"publish","type":"post","link":"https:\/\/dev.foundationmedia.co.uk\/excel\/texting-whilst-driving-to-increase-insurance-premiums","title":{"rendered":"Texting whilst driving to increase insurance premiums"},"content":{"rendered":"

Your Insurer knows when you text and drive and this could increase your premiums or result in your policy being cancelled.<\/p>\n

Drivers who make calls at the wheel could find that their insurance premiums rocket under plans by insurers to monitor illegal calls and texts made while driving.
\nExisting \u201ctelematic\u201d underwriting \u2013 which allows insurers to assess policyholders\u2019 driving habits and skills \u2013 can already log when drivers\u2019 phones are in use and whether a hands-free device is connected.
\nMobile phone use at the wheel could prompt warnings from insurers and result in premium increases \u2013 or even the withdrawal of cover.<\/p>\n

Telematics increasingly involves drivers being tracked via their mobile phones through an app that they have downloaded.
\nThis can tell the insurer when and where the vehicle is in use, as well as communicate detailed information about braking, acceleration and cornering.
\nWhat is less well understood is the app\u2019s ability to monitor other phone functions, enabling it to detect whether calls are being made \u2013 and if they are hands-free.
\nThe app runs in the background of the phone. In theory, an insurer could see in even greater detail what a driver is doing, including whether or not they are playing music, using mapping services, or texting.
\nOne insurance broker, Drivology, has already used the technology to collect extensive data about how using a phone at the wheel affects driving behaviour.
\nDrivers with convictions for texting or calling at the wheel already face rises in their premiums \u2013 but this technology enables insurers to increase premiums before an accident has even happened.
\nData from the AA shows that insurers put up premiums by as much as 28pc if a driver is caught by police using their phone at the wheel. Many will refuse to offer cover altogether.
\nMonitoring calls, texts and social media use
\nWunelli, which provides telematics technology to insurers including the AA, Hastings Direct, Admiral, and the Co-op, said drivers who had consented to having their driving behaviour recorded via their smartphone could also have their call data monitored.
\nTo date, telematics policies are offered primarily to young drivers with a promise that they will make car insurance more affordable. Average premiums for 17-24-year-olds have grown to more than \u00a31,200.
\nThe popularity and use of telematics is spreading. According to the British Insurance Brokers\u2019 Association, telematics policies have grown by 23pc over the past year and are now used by 561,500 drivers.
\nAround a quarter of these are thought to be policies that work through apps on smartphones. Other policies monitor driving through \u201cblack boxes\u201d that have to be installed in a car.
\nInsurers say the policies reduce premiums for an overwhelming majority of drivers. Admiral, for example, says 80pc of drivers using its \u201cLittleBox\u201d policy pay less when they renew.
\nBut some drivers have complained that their driving behaviour has been incorrectly recorded, leading to increased costs.
\nSelim Cavanagh of Wunelli said the company collected phone data on behalf of some insurers, but declined to name them.
\n\u201cThe objective is twofold: firstly, enable insurers to price fairly; secondly, educating the driver to these road risks,\u201d he said.
\nUsing the firm\u2019s technology, more than 4,000 drivers, customers of Drivology, had their mobile phone use while driving monitored over 18 months. The research found that drivers using a phone at the wheel produced similar reaction times to drunk drivers.<\/p>\n

Concerns about errors by telematics systems \u2013 such as passenger use of a phone being misinterpreted as someone making a call at the wheel \u2013 have slowed the roll-out.
\nDrivology initially told Telegraph Money that it collected phone call data and used it to determine premiums, but later backtracked and said it did not.
\nSimon Morrissey, head of data and privacy at law firm Lewis Silkin, said insurers needed to be more honest about data collection.
\n\u201cThat type of \u2018cross-pollination of information\u2019, where one app knows what you\u2019re doing on other apps, creates a privacy issue. In my view, if they know that you\u2019re using your phone while driving, that is intrusive,\u201d he said.
\nJonathan Hewett of Octo Telematics said his firm was working on the \u201cnext wave\u201d of technology, which would overcome these issues \u2013 and he was confident that more insurers would start to use the technology.
\n\u201cThe only resistance is a perception that it would be a barrier for consumers. There\u2019s concern that they would see it as a Big Brother scenario,\u201d he said.
\n\u201cBut there is also huge concern from insurers about distracted driving. Our current clients are interested and the topic is increasingly in everybody\u2019s mind.\u201d
\nIn November the Government doubled the penalty for drivers caught making calls at the wheel to six points and a \u00a3200 fine.
\nNew drivers will face an immediate disqualification if apprehended.<\/p>\n

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Your Insurer knows when you text and drive and this could increase your premiums or result in your policy being cancelled. Drivers who make calls at the wheel could find that their insurance premiums rocket under plans by insurers to monitor illegal calls and texts made while driving. Existing \u201ctelematic\u201d underwriting \u2013 which allows insurers […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[23],"class_list":["post-996","post","type-post","status-publish","format-standard","hentry","category-latest-news","tag-driving"],"yoast_head":"\nTexting whilst driving to increase insurance premiums<\/title>\n<meta name=\"description\" content=\"Texting whilst driving to increase insurance premiums or even result in your insurance being cancelled. 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