UBI app monitor drivers to provide trip based feedback

Drivers on the Snapshot UBI programme will soon be able to use a smartphone app to gain feedback on driver performance after each trip.

Safe drivers can soon earn discounts on their vehicle insurance using just their mobile phones. Progressive Insurance has formally chosen Censio to develop the software for Snapshot, the insurance company’s usage-based insurance programme. A pilot of the mobile app will begin with selected customers across the country in mid-September.

The Snapshot mobile app will automatically monitor and measure drivers’ data – such as time of day, mileage and hard braking – to potentially earn a discount on insurance premiums through Progressive’s programme. At the end of each trip, the mobile app will give drivers personalised information, including a one to five star rating, a data summary, a map of their drive and tailored driving tips to help them improve their score. New Snapshot customers will have the option to use either the Snapshot app, available for both iOS and Android operating systems, or the traditional telematics device.

“Our customers today are more tech-savvy and on-the-go than they’ve ever been, and they want information and insights in real-time,” said Dave Pratt, general manager of usage-based insurance for Progressive. “After years of careful research, we’ve found a mobile app that will accurately capture driving data to help them make better driving decisions, allow us to reward them when they do, and ultimately make our roads safer.”

Censio is a Boston-based company which develops mobile technology for usage-based insurance. The developer’s partnership with Progressive will put its app in consumers’ hands for the first time.

“We’re thrilled by the opportunity to help Progressive take usage-based insurance mainstream through our ‘download and drive’ app that helps people become better drivers,” said Censio President Kevin Farrell. “Censio’s mission is to make driving safer and more affordable and this partnership helps us to do just that.”

Censio was the winner in an eleven company competition Progressive held in 2014 for developers to create an app that performed as well as Progressive’s Snapshot device. Following the customer pilot this year, Progressive and Censio will apply what they found and real customer feedback to the final app, which will come to market starting in 2016.

There are currently more than 3 million participants in the Snapshot programme. Since introducing the first wireless telematics device in 2008, Progressive has collected more than 14 billion miles of driving data.

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Legal and Insurance, World News

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