Driving safe is a behaviour that is constantly repeated by safety experts and safety charities. It is something that drivers often take to heart that the message only applies to their own behaviours. Therefore as long as they feel in control on the road then they are following safe driving rules. Speeding a little, reaching for a mobile phone or grabbing a drink are all behaviours that done in control will likely have a fine ending as far as some are concerned, however the truth is that there are others on the road thinking the same thing.
The greater the odds build for an accident the greater the end result will turn out bad. Should one driver be heading down the roadway while texting on their mobile phone and another be coming from the same direction speeding, while another driver turns to speak to a child in the back seat, the odds are building one upon another that someone could be hurt. Driving safe is important because there are other drivers on the road that are not following safe driving rules.
Telematics car insurance is helping to keep drivers in a state of mindful safe driving. Through the use of a GPS unit that collects driving data for risk assessment, drivers could be offered discounts on their premiums by driving safe. The constant reminder to drive safe could also be a learning tool, as many drivers are unaware of how badly their driving is when they text or talk on their mobile phones, they reach for food or drink, they address children in the car, carry on conversations or simple change the radio station. The same data used by the provider to determine the risk in coverage can be privately viewed by the driver. Many a driver may be surprised to learn they haven’t been as safe on the road as thought after viewing their telematics car insurance data. They might also think twice before choosing to drive distracted or to speed at all since the data is going to be collected and used to determine their premiums.
Overall, anything that helps a driver stay safer on the road is valuable. The fact that it could also help a driver save money on car insurance adds to the attractiveness of telematics car insurance. Staying safe behind the wheel is important but even more so since there are so many other drivers sharing the road that aren’t driving safe.
Car insurance can be tricky to understand and that is likely the reason most people stay loyal to a policy and don’t seek out a switch. Some policies can be so complicated to choose between that it would be helpful for Sherlock Holmes to make it plain. There is one product that offers simple understanding and straightforward coverage that is changing how people view and buy car insurance.
Telematics car insurance is a relatively new type of car insurance. While it has been around for a few years there are still many drivers that haven’t made themselves familiar with the coverage product. It is different in that it involves a GPS unit to collect driving data on the driver for risk assessment. Rather than using statistics or personal data to determine risk and premium costs, telematics uses the driver’s own driving data. This allows a driver to directly impact the cost of their car insurance by driving safely and lowering the risk of coverage assessment by the provider.
The installation of the GPS unit is simplified by the provider coordinating the professional installment at the driver’s home or workplace. Once a policy is purchased, coverage can begin immediately or at a desired date and the provider will offer a grace period in which the GPS unit must be installed. They will work with the driver to determine an appointment for the installation. Once installed the unit begins to gather the data required by the provider. In some instances it is the number of miles driven and for other providers it could be detailed such as if the driver speeds, brakes hard, or takes curves sharply while behind the wheel.
Telematics car insurance can be found online. Comparisons of providers and policies can also be done online. With a click of the computer, a policy can be bought making a switch easy. The good news about telematics car insurance is that it could offer savings in comparison to standard car insurance. It could actually be the straightforward, easy to understand, easy to choose, easy to buy car insurance that offers both quality coverage and affordability. Since experts suggest drivers shop around when renewal time comes, it makes sense to start with telematics car insurance.
Car insurance is now reaching new heights. Safety is becoming the key focus of a new type of car insurance and the new type of car cover is known as telematics pay as you drive car insurance. This is creating quite a buzz all over the UK and for good reason.
Car insurance has made a name for itself as being user friendly as well as being there for a driver when needed. Now times are different. Drivers expect more than just a car insurance product which provides support and assistance following a car crash or similar event.
Telematics car insurance is the product of choice now due to its unique way of covering drivers. With telematics car insurance, drivers simply need to drive with safety in mind in order to receive valuable rewards from the insurer. This process is made possible with a small device known as a POD or personal optimisation device.
The POD is quite important to the process and performs several functions within the scope of cover. It monitors driving habits like acceleration, braking and cornering. Additionally, it notes the time of day or night the car is driven, as well as monitoring the types of roads the car travels on.
Telematics car insurance is spotlighting safety by making it possible for drivers to potentially save money by driving with safety in mind. Drivers save money after insurers evaluate the data collected in the POD and determine if they driver has been driving safely. Insurers present safe drivers with rewards in the form of discounts to future monthly car insurance costs.
Speeding is a common driving violation and almost every driver is guilty of the behaviour at one time or another. The commonality of the behaviour does not however lessen the danger. Choosing to speed can be a fatal decision and unfortunately it happens all too often that someone is involved in a serious accident due to speeding and usually it is a young driver. Young drivers have been shown in studies to be the least experienced on the road while also being the most likely to take part in risky behaviours, therefore when speeding is involved it can be a problematic combination.
Unfortunately there is almost a daily news item of a professional athlete or celebrity having been banned for continuous offences of speeding. For someone that can afford paying for alternative transportation, higher insurance rates and other inconveniences that will be expensive associated with a driving ban it may be less of a hassle, but for the average driver it can be a financial nightmare to figure out how to just get to work.
Parents may find it hard to get the point across to their young driver of the consequences of speeding. There is a tool that can assist in making sure the risky behaviour of speeding does not become a habit for a young driver and that is the use of telematics car insurance for coverage. The product uses a GPS unit to collect driving data of the insured driver to determine risk assessment and premium costs. Safe driving could offer the opportunity to save money which would mean a driver would have to abstain from speeding.
Some young driver insurance policies with telematics car insurance providers will offer parental alerts when an unsafe driving event occurs such as speeding. This type of alert can help open up discussions on the dangers of speeding while behind the wheel. No other type of car insurance product other than telematics can offer parents peace of mind that their young driver is adhering to safe driving practices. Young drivers get the benefit of developing safe driving habits while earning the opportunity to pay lower car insurance rates over standard car insurance offers.
Telematics car insurance remains a mysterious product on the market. It is suggested by experts as the product to explore when seeking out a new policy as renewal time nears. It is the product suggested for young drivers to allow more affordability of keeping a car on the road. It is also discussed by researchers as being a tool to help young drivers stay safer on the road. As more is revealed about the product then more questions arise for how can a car insurance product offer so many benefits?
Telematics car insurance is unique due to the GPS unit that is installed into the insured driver’s car to collect driving data. The data is used for risk assessment to determine cost of a policy. The opportunity exists for a driver to gain savings by driving safe and proving they are worthy of low risk rates from the provider.
Providers coordinate the installation of the GPS unit with a professional at the driver’s workplace or home. Most car models can have the unit installed within an hour. It is installed out of sight and neither driver nor passengers will be aware of the unit within the car. However, the little out of sight GPS unit is a valuable partner in delivering a new type of car insurance to drivers in the UK.
Due to the monitoring of the driver for safe driving habits for the purpose of determining policy costs, telematics car insurance is a tool for keeping young drivers safer on the road. This makes it popular with parents that have peace of mind from a car insurance policy with the benefit to keep their young driver ever conscious to be a responsible and safe driver.
Telematics car insurance is truly a simple, fair and unique car insurance product. The only secret to the coverage is that it is surprising that there are still drivers on the road that haven’t switched, yet.
Telematics car insurance has risen to the top and there is no sign that the car insurance product will not continue to grow in popularity for years to come. The benefits of finding coverage with a telematics car insurance policy are many while there is also the possibility for substantial savings. Experts encourage that drivers shop around and look for a quality policy at a more affordable rate when renewal time comes around and to start with shopping for a telematics policy.
The car insurance uses a GPS unit installed into the car of the driver to collect data to be used for risk assessment. The data will allow the provider to determine if the driver is a high risk or low risk driver to offer coverage and that will in turn determine the cost of a policy. By driving safe, a driver has the opportunity to prove they are worthy of low risk rates.
According to the British Insurance Brokers Association, telematics car insurance has increased by 61% since June 2012 to December 2013.
Telematics car insurance usually is prepaid in bulk miles for coverage for the number of miles expected to drive. This “pay as you drive” insurance opportunity allows for easy budgeting and should more miles be needed, a driver can quickly top up for more coverage. Young drivers are often mentioned as the most likely group of drivers to benefit from telematics car insurance but the truth is that many drivers can benefit and all should consider the product when seeking out a new policy for a switch.
Car insurance has never been a product which has been linked with cost saving. As the last decade has proven, the cost of car insurance seems to have no ceiling and little resistance to increases. Although the last few years have given some relief to drivers with a slowdown in cost of car cover, higher costs are predicted to be coming again soon. Drivers need a proven car insurance product offering a cost saving scheme and not just assistance in the face of a car crash.
The latest car insurance product offering a built-in cost saving scheme is now available. It comes to the UK in the form of a product called telematics pay as you drive car insurance. This new insurance product is redefining what car cover is capable of and doing it with impact.
The cost saving scheme is centered on technology. The key piece of technology is located within the insured car and is capable of several different jobs. The critical job the small device is capable of is monitoring driving habits of the driver at any time they are behind the wheel.
The small device collects the data from monitoring driving habits and this data is accessible to the insurer. The insurer then evaluates the data and determines whether or not the driver is handling the car with safety. If the driver proves to be a safe driver, they become eligible to receive valuable discounts.
Drivers are now able to purchase car insurance with built-in saving schemes. The latest car insurance which is helping drivers save pounds each month is telematics car insurance.