Tuesday, May 18

towards more expensive insurance for those crazy about the wheel?

An engineer got hold of the telemetry information Tesla collected as part of his insurance. While a lot of the data is classic, some specific to Tesla can determine bad behavior on the road.

Tesla Model 3 and Navigation Autopilot

Tesla Model 3 in Autopilot Navigation // Gamesdone: Bob Jouy for Frandroid

This is undoubtedly a dream for many insurers, but Tesla has the means to collect a lot of precise data on its vehicles. For customers of insurance offered by Tesla (currently available in a few states in the US only), the information available includes, for each trip:

  • Driver Profile Name
  • Number of Autopilot disengages
  • Number of frontal collision alerts
  • Number of lane crossing alerts
  • Number of ABS trips
  • Time spent within a second of the preceding car
  • Acceleration variance

Towards pricing according to the quality of driving?

Seeing all that Tesla collects, it seems easy to define profiles of drivers who are more dangerous than others. Someone who is going to spend time within a second of the previous car will not respect the safety distances, and a driver with a high acceleration variance will not hesitate to step in very frequently: Tesla could therefore, ultimately, penalize this kind of conduct.

Tesla Model 3

Tesla Model 3 // Gamesdone : Unsplash

Similarly, it would be easy for the manufacturer to financially reward model drivers, scrupulously respecting the rules of the road, and the Tesla Autopilot which asks the driver to signal his presence several times per minute.

If Tesla sells vehicles that are more efficient than each other, the temptation can be great to overuse the accelerator at every opportunity. By highlighting the 0 to 100 km / h records of its cars, many Tesla owners like to have fun by pushing hard. Would this still be the case if auto insurance premiums penalized this behavior?

For the moment, Tesla only collects all this data for the purposes of processing and improving the insurance service they offer. But it seems naïve to us to imagine that the purpose is other than offering a price that takes into account the quality of the conduct of the owner of the car.

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