Risk Technology: Enhanced Telematics Platform with Real Time Video Analytics

汽车保险费上涨是由于以下几个因素：1）欺诈性索赔增加-在2013年，不诚实的汽车索赔增加了34%，达到59，900，价值8.11亿英镑，在英国每增加90英镑的保险费; 2）人身伤害索赔增加-在2013/14年度，有775，000起机动车人身伤害索赔登记到DWP赔偿追偿股，而2006/07年度约为520，000起，申索个案增加约百分之五十。与此同时，向警方报告的道路交通事故数量下降了23%，Risk Technology（RT）制造的车辆远程信息处理设备（TD）收集了诸如汽车位置、速度、道路类型、加速度和减速度统计数据、长途旅行中的休息时间、总里程以及区分高速公路里程的设施等指标。TD使保险公司能够实施基于使用的保险（UBI），监控低风险驾驶，检测是否有欺诈索赔，并为驾驶员提供更低的保费。在汽车和保险行业，人们普遍认为，在10年内，驾驶员将面临保险费上涨或被迫离开道路，除非他们允许他们的驾驶受到TD的监控。2013年TSB SMART资助使RT能够开发其TD的技术能力，并为保险公司建立驾驶特征数据库和碰撞分析工具，以优化他们提供的产品，根据能力评分方法（该项目将于2015年初完成）。RT现在提议进一步开发66.6万英镑的原型项目，为TD添加更多功能，以便它能够：1）添加视频片段2）监控驾驶员行为3）发出“安全驾驶”警告该项目将解决上述问题，因为保险公司将获得清晰和防篡改的证据，以帮助检测欺诈-保护无辜的驾驶员，并通过减少保险索赔节省费用，从而为更安全的驾驶员提供更低的保费。

Motoring insurance premiums are rising due to a number of factors:1) Increasing fraudulent claims – in 2013, dishonest motor claims rose by 34% to 59,900,valued at £811m, adding £90 to each insurance premium in the UK;2) Rising personal injury claims – there were 775,000 motor personal injury claims registeredto the DWP Compensation Recovery Unit in 2013/14, compared to around 520,000 claims in2006/07, representing an increase of around 50% in claims. This increase coincided with a23% decrease in the number of road traffic accidents reported to the policeRisk Technology (RT) manufacture vehicle telematics devices (TDs) that gather metrics suchas car location; speed; road type; statistics on acceleration and deceleration; rests during longjourneys; overall mileage & the facility to differentiate motorway miles. TDs enable insurancecompanies to implement usage-based insurance (UBI), to monitor low risk driving, detect iffraudulent claims are being made, and offer reduced premiums to drivers. It is widely believedin the automotive and insurance industries that within 10 years, drivers will face inflatedinsurance premiums or be forced off the road unless they allow their driving to be monitoredby TD’s.A 2013 TSB SMART grant enabled RT to develop the technical ability of their TD, & build adriver characteristic database & crash analysis tool for insurers to optimise the product theydeliver, based on a competency scoring method (this project completes in early 2015). RTnow propose a further £666k development of prototype project to add further functionality tothe TD so it can:1) Add video footage2) Monitor driver behaviours3) Emit ‘Safe Driving’ promptsThis project will address the problems listed above, as clear and tamper-proof evidence will beavailable for insurers to help detect fraud - protecting innocent motorist & enabling lowerpremiums to be offered to safer drivers, enabled by savings made from a reduction infraudulent claims.