The effects of feedback and incentive-based insurance on driving behaviours: study approach and protocols. Issue 1 (10th January 2017)

• Record Type: Journal Article
• Authors: Stevenson, Mark; Harris, Anthony; Mortimer, Duncan; Wijnands, Jasper S; Tapp, Alan; Peppard, Frank; Buckis, Samantha
• Is Part Of: Injury prevention. Volume 24:Issue 1(2018)
• Page Start: 89
• Page End: 93
• Publication Date: 2017-01-10
• Subjects: Children's accidents -- Prevention -- Periodicals; Accidents -- Prevention -- Periodicals; 617.1
• DOI: 10.1136/injuryprev-2016-042280
• Languages: English
• ISSNs: 1353-8047

Abstract

Abstract : Background: Road injury is the leading cause of death for young people, with human error a contributing factor in many crash events. This research is the first experimental study to examine the extent to which direct feedback and incentive-based insurance modifies a driver's behaviour. The study applies in-vehicle telematics and will link the information obtained from the technology directly to personalised safety messaging and personal injury and property damage insurance premiums. Methods: The study has two stages. The first stage involves laboratory experiments using a state-of-the-art driving simulator. These experiments will test the effects of various monetary incentives on unsafe driving behaviours. The second stage builds on these experiments and involves a randomised control trial to test the effects of both direct feedback (safety messaging) and monetary incentives on driving behaviour. Discussion: Assuming a positive finding associated with the monetary incentive-based approach, the study will dramatically influence the personal injury and property damage insurance industry. In addition, the findings will also illustrate the role that in-vehicle telematics can play in providing direct feedback to young/novice drivers in relation to their driving behaviours which has the potential to transform road safety.