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Dear Imagine: The insurance company Axa, concretely in Italy and Ireland, was the first company of the world that offered the insurance "Pay as you drive". However the company that really developed was Progressive Insurance, although surprisingly they have not marketed it yet...

Mr. Darling will find many problems in the application of his project. There are many economic interests in game that they tried to boycott government's plan, such as the industry of the construction, the great trade, the industry of the automobile, etc But maybe the most critical...

The automobile is the most attractive product that the man has never built, because it transmits us the sensation of overcoming our limitations (speed, power, image, independence of the environment) with a perfect domain (comfort, sensation of security). On the other hand the automobile is...

Dear Mr. Peterchurch: The governments are making these and many more things and thanks to them the quantity of deaths has gone descending from 7.200 in 1989 to 5.300 in the year 2003, although the quantity of vehicles has been duplicated. The formation to that you referred in the...

Your reflection is absolutely correct. Some relating data to the traffic accidents (ONLY IN SPAIN) they can make us meditate a little more: - 5.300 deaths, 25.000 serious injured, 125.000 minor injured in the year 2003. It seems like a war communiqué. - 100.000 accidents with...

Indeed it is a polemic, sensitive and very complex topic, because many information is bound to our well-being. The governments have worked a lot in the last times to regulate this, but they are not able to transmit us the trust that it is resolved. In fact only they have defined the...

I will try to open the polemic again. What can it happen to our conventional insurance if the system PAYD is successful? It is obvious that the system PAYD has an additional cost of administration of the information. We had commented previously that, in spite of this, this insurance can...

I believe that we can recover the discussion if we analyze the problems of a real application. A good example is the young drivers with poor experience. It is a community with a very high risk. In normal situations their risk is low, but there are two very dangerous behaviours that are...

Dear Schude, this it is exactly the key. So that the project is viable it is necessary (although not enough) that is accepted by the market. So that it is accepted by the market it is necessary (although not enough) that: - Generate benefits. - That these benefits are...

Indeed. What we ignore always produces us fear, it should be this way because it is a self-defense mechanism. It forces us to be cautious. In this concrete case to demand guarantees of the privacy of the information. Great part of the complexity of the project is due to be able to solve this...

The system "Pay as you drive" is only a tool. And as such it is susceptible of being used correctly or not, it only depends on the one who and how it is used. It is certain that, so that this can be implanted in the market, it is necessary that it is profitable for the client, for the...