Insurer offers discounts to customers running in-car GPS telemetry

Writing in PC Pro, Stewart Mitchell describes a partnership between GPS vendor TomTom and Fair Pay insurance, an auto insurer, to offer discounts to people whose GPS devices report low incidences of sudden stops and unsafe turns. I rather like this idea, the idea that your device could offer testimony on your behalf, but a lot depends on how it is implemented.

On the one hand, TomTom could generate trustworthy readings by completely locking its device so that users can't inspect or modify their operations, which would open up the possibility that your device was recording and transmitting information about your location and movements without your knowledge or permission. On the other hand, TomTom could produce a stats-gathering app whose workings were publicly disclosed, but which used a TPM-style module to verify that it hadn't been modified for the purposes of gathering and signing information that you can pass on to the insurer.

This would give TomTom owners the choice of booting their device into a known, publicly verifiable state that respected their privacy, but also produced statistics that third parties could trust. It would also give TomTom owners the choice of booting into alternative environments that did different things.

"We've dispensed with generalisations and said to our customers, if you believe you're a good driver, we'll believe you and we'll even give you the benefit up front," said Nigel Lombard of Fair Pay Insurance.

“If you think of your insurance as your car's MPG - the better you drive, the longer your fuel will last. Good drivers get more for their money and in that sense they will pay ultimately less."

Drivers on the scheme will be given a TomTom PRO 3100 as part of the package, and the device will include Active Driver Feedback and LIVE Services to warn drivers when they were cornering too sharply or braking too hard.

The TomTom will also have a LINK tracking unit fitted in their vehicles, allowing driver behaviour and habits to be monitored.

TomTom tech to set driver insurance premiums (via /.)