Telematics-driven coaching for minimizing road accidents and CO2 emissions Qorus Innovation in Insurance Awards 2024

Generali is a leader in behavioural pricing, driving style analysis and real-time coaching (a cutting-edge feedback system that provides drivers an indication of their driving style, using data registered by the aftermarket black box). Thanks to the drive coaching, every year a portion of aggressive drivers improve their driving style, reducing the risk of accidents: a caution driver has a 32% lower risk of accident than an aggressive driver.

To further explore the benefits of this system, in 2023, a study of Generali Jeniot in collaboration with Polytechnic of Milan, has calculated that less aggressive driving, as identified through the black box, reduces both fuel consumption and CO2 emissions, while increasing road safety (and allowing the customer to save on policy renewal).

The study involved the use of data recorded from about 700.000 vehicles of Generali’s telematics portfolio and the implementation of digital twins of the vehicles.

The result was a decrease on average of 6,5% of CO2 emissions per year due to driving style improvement, equals to about 2.300 tons CO2.

This data underscores the importance of promoting responsible and conscientious driving behaviour to contribute to the fight against climate change.

The benefits of safe and eco-friendly driving were disseminated to customers through the distribution network, and promoted through conferences, events, a demonstration tool, a scientific paper and other digital touchpoints.