Qorus Innovation in Insurance Awards 2017

Real time coaching: interactive driving experience to prevent accidents

Submitted by

Generali

Logo of Generali

Generali is one of the largest global insurance and asset management providers, present in over 50...

premium
Q+
13/03/2017 Insurance Innovation

About

Train your driving style to improve it with the "Real Time Coaching" service and save on your car insurance.

Innovation presentation

Customer needs are very clear: avoiding harmful events is the first priority and containing the undesired effects is the second one.

The answer of Generali Italia to these needs arrives in May 2016 with "Sei in Auto con Stile", the innovative car insurance product characterized by a device installed in the car that interacts with the driver with the "Real Time Coaching" service.

This sophisticated device placed on the windshield uses satellite system, accelerometers, sim card, bluetooth device to detect driver's style and give to the driver a real-time feedback through a light signal on potentially risky driving behaviours.

With this unique feature of Generali Italia, the driver has a "personal trainer" to train its correct driving style and increase the perception of unsafe driving situations. In fact, a driving behaviour distracted or nervous, , is the major cause of road accidents.

The challenge is ambitious: changing the behaviour of nervous and distracted drivers, thanks to the "Real Time Coaching" service, to make road traffic less dangerous for everyone.

In addition, demonstrate a way of virtuous guide entitle the customer to a discount at the annual renewal, in order to make tangible the positive effect of the "Real Time Coaching".

In addition, " Sei in Auto con Stile" offers a rich package of roadside assistance and protection against thefts thanks to the direct connection with the operations center that is activated in case of emergency and Geolocate the vehicle.

Uniqueness of the project

The satellite device of "Sei in Auto con Stile" is installed directly on the car's windshield and through a multicolor led, it interacts with the driver informing them in real time on your driving style: led switch on during heavy acceleration or sudden braking. The verification of the driving style reached may be made at any time in two ways:

1. at the start up of the car the LED takes on the color of the style reached (green customers "evolved", the yellow "balanced" and red "foolhardy")

2. with the App "MyGenerali" on its own Customer Area, through graphs and counters.

The opportunity to "interact with the policy" allows the customer to put in place all the necessary behaviors to pursue a safe driving style with a positive impact on many aspects: less probably to have accidents, careful management of the car, and also saving on your insurance premium.

Want to keep reading?

Become a Qorus member to get access to all our innovations

Interested in learning more? Speak to Boris, Qorus's Content Lead

Qorus has a library of almost 8,000 innovation case studies across critical areas like customer experience, sustainability, marketing & distribution and more that can be used to inform your decision-making.
Contact us

Related innovations

22/02/2024 Insurance Innovation

Master Actuary: AI For Actuaries

A new green pricing era ? : Master Actuary is so powerful that it can assess driver risk based on...

20/02/2024 Insurance Innovation

Lyfery - Prevention Driven Life Insurance

Lyfery backround Lyfery is an insurtech company based in Estonia, founded 1.5 years ago by individuals with extensive experience in...

15/02/2024 Insurance Innovation

Cost-Effective Coverage with High Customer Satisfaction

At US Automotive Protection Services, we stand out by offering cost-effective car coverage solutions that don't compromise on quality. Our...

15/09/2023 Banking Innovation

AFFIN Automated Safe Deposit Locker

Being the first and only Financial Institution in Malaysia to offer the Automated Safe Deposit Locker (ASDL), we are committed...

Related news & insights

Insurance
20/02/2024 Interview

Inside the panel: Edouard de Lamarzelle takes on Qorus Innovation in Insurance Awards

Edouard de Lamarzelle, CEO of Stellantis Insurance, is set to be one of the judges for the international Qorus awards....

Embedded Insurance
08/02/2024 News

Goboony and Swiss Re's iptiQ launch tailored insurance solution for motorhome owners

Initially launched in the Netherlands, the product addresses specific needs identified through direct feedback and surveys from Goboony's active community,...

Embedded Insurance
07/02/2024 Study

Unlocking the future: A deep dive into embedded insurance across key sectors

The transformative impact of Embedded Insurance 2.0 extends across diverse industries. From travel to mobility, health, cybersecurity, and even retail,...

Insurance
03/02/2024 News

Curative Insurance expands member benefits with Galleri test for multi-cancer early detection

This collaboration represents a significant advancement in proactive healthcare, providing members over the age of 50 and those with cancer...