Not knowing what the future of the car will be made, insurers are constantly experimenting with new formulas to attract the motorist. This is the time to over-measure. Several companies have already launched in France, the “pay as you drive” insurance, the kilometer rate which will be adjusted according to the distances travelled, and then the ” pay how you drive “, which allows good drivers to benefit from a reduction of their contribution.
Since Monday, July 2, MAIF offers the “pay when you drive” (” pay-as-you-ride “). A auto insurance “per-minute” charged depending on the real-time traffic.
This innovative concept combines a monthly set fee (25 euros on average for a good driver with a standard vehicle) to cover the risks required, even when the car is off (theft, fire, vandalism…), and a per-minute rate of flow (0.02 euros). The offer is aimed, therefore, to ” little wheelers “, of the active urban population, who do not take their car on the weekend, the retired, which lead every day to do their shopping nearby.
Experimentation for a year
“The demand is coming from our members, because we did not have a specific job for those who drive little. However, there is a market, and now the technology allows us to put in place an immediate solution, ” says Florent Villain, director of marketing, the group MAIF and general manager of Altima Assurances (a subsidiary of the mutual, which plays the role of a laboratory).
To count the travel time consumed, an application on the mobile communicates with a Bluetooth box placed in the car. The detection of the route is automatic, and the insured can follow in real time the cost of its insurance.
According to the calculations of the Altima, which had this offer for a year before its generalization by MAIF, a driver doing less than one hour per week…