AUTHORISATION

SECTION I
FUNDAMENTALS OF THE UBI MARKET
Would you say that Drivewise
has also brought improvements
in safety?
The goal of Drivewise is to
encourage people to drive more
safely and it is definitely doing
that. The average customers are
earning savings, which gives you
an indication that they are more
s e l f - a w a re o f s a f e t y, o n a
consistent basis. We invite anyone
to participate, though, not just the
ultra-safe drivers and we do not
surcharge for poor driving. The
worst you can do is earn zero
savings. Our goal is to educate
about safe driving habits and then
reward and encourage it through
our various savings opportunities.
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D o y o u s e e t e l e m a t i c s
improving people’s driving
behaviour in a lasting manner?
Or is it about selecting the best
drivers?
CONSULTING GROUP
Allstate is different from others in
the industry. We keep the device
in the vehicle or you use the
mobile app in perpetuity. You
don’t use it only for a few days or
a few trips or even 3 months.
We’re able to continue to collect
driving data and perform our
analysis and provide savings for
the way the customer continues
to drive.
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From that standpoint, we do it
more as an ongoing relationship
and less of a one-time test.
So have you been able to
observe actual improvements in
the way people drive?
Telematics has proven that if
p e o p l e a r e d r i v i n g l e s s
aggressively, at a lower speed
and not in the middle of the
night, then they are safer. These
are broad truths in the industry.
If we now think of the benefits
o f t h e a p p f o r A l l s t a t e ,
particularly compared with a
dongle solution?
It is the engagement of the
customer. In the dongle solution,
there is a device in your car and
the data is coming back into the
back office and you engage with
them differently.
With the app, you are always up,
front and centre with them.
When you go one step further
and add in Allstate Rewards, every
day you want to look at the app to
know how many points you
received today for your safe
driving.
And then in the future, as we layer
on third party apps or other apps
that we develop, there will be
even more reasons to come there
every day to engage with Allstate.
So if you think of the tenant
behind Allstate, it is being a
trusted advisor to our customers.
Drivewise is just an extension of
t h a t t r u s t e d a d v i s o r
relationship: we’re helping you
to be safer; we’re easing some of
the pains in your life and we add
incremental value.
We are making an ongoing push
to have Drivewise Mobile
launched in more and more
states. It will be in more than half
the country in the first half 2016.
Overall we are very pleased with
the level of engagement we
achieve from it. Of course we will
continue to iterate on that going
forward.
WRITTEN
Have you found that the data
from the app was as predictive
as data from OBD dongles?
AUTHORISATION
We’re comfortable with the level
of accuracy that we’re getting. We
continue to learn, iterate and
make improvements as we keep
rolling out these programmes.
It seems that you have chosen
to integrate the full telematics
and scoring solution yourself. Is
that correct?
We have. One of the core
competencies of our innovation
team in-house is the ability to
ingest data and to perform the
analytics of it. We have become
v e r y g o o d a t d e v e l o p i n g
telematics solutions as well.
Where I think the third parties are
more likely to come in could be
leveraging our platform to
produce apps that could build
extra value for our customers in
areas that we wouldn’t necessarily
want to or be good at developing
applications for.
One such app that we have
rolled out recently is Allstate
Roadside. We are using an API of
our connected services platform
so that you can now initiate
roadside assistance help inside
the Drivewise app.
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