The effect of telematic based feedback and financial incentives on driving behaviour: A randomised trial

Stevenson, Mark; Harris, Anthony; Wijnands, Jasper S.; Mortimer, Duncan

doi:10.1016/j.aap.2021.106278

Cited by 18 publications

(13 citation statements)

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“…(Interview B.1, 24 March 2021) Many telematics programs that have been adopted in countries outside Italy do in fact make allowances not only for discounts weighted by parameters, but also for a series of incentives that range from little gadgets to cashback when filling the tank, vouchers for buying trips and so on. These incentives have been found -with some caution -to be of fundamental importance for reducing the incidence of road fatalities (Stevenson et al 2018;Peer et al 2020;Stevenson et al 2021).…”

Section: The Im Pact Of Telematics On Communication Wit H Policyholdersmentioning

confidence: 99%

From Actuarial to Behavioural Valuation. The impact of telematics on motor insurance

Cevolini

Esposito²

2022

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Algorithmic predictions are used in insurance to assess the risk exposure of potential customers. This article examines the impact of digital tools on the field of motor insurance, where telematics devices produce data about policyholders’ driving styles. The individual’s resulting behavioural score is combined with their actuarial score to determine the price of the policy or additional incentives. Current experimentation is moving in the direction of proactivity: instead of waiting for a claim to arise, insurance companies engage in coaching and other interventions to mitigate risk. The article explores the potential consequences of these practices on the social function of insurance, which makes risks bearable by socialising them over a pool of insured individuals. The introduction of behavioural variables and the corresponding idea of fairness could instead isolate individuals in their exposure to risk and affect their attitude towards future initiatives.

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Section: The Im Pact Of Telematics On Communication Wit H Policyholdersmentioning

confidence: 99%

From Actuarial to Behavioural Valuation. The impact of telematics on motor insurance

Cevolini

Esposito²

2022

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“…The FEEDBACK trial builds on past research indicating that feedback and financial incentives can reduce risky driving behaviours [ 7 , 8 ]. Some studies found that personalised safety feedback to drivers led to improved driving behaviours, like reducing speeding and harsh braking [ 9 – 12 ].…”

Section: Introductionmentioning

confidence: 99%

“…Some studies found that personalised safety feedback to drivers led to improved driving behaviours, like reducing speeding and harsh braking [ 9 – 12 ]. Others suggest that feedback alone may be insufficient to motivate behaviour change, and that feedback should be combined with financial incentives in order to deliver significant reductions in risky driving [ 8 , 13 – 15 ]. Stevenson et al [ 8 ], for example, found that the effects of feedback alone did not yield statistically significant reductions in risky driving behaviours, whereas feedback combined with low-cost financial incentives had a significant effect.…”

Section: Introductionmentioning

confidence: 99%

“…Studies aiming to reduce traffic congestion [ 22 – 24 ], improve drivers’ fuel efficiency [ 25 ], and modify commuters’ travel behaviours [ 26 , 27 ] all highlight the utility of offering personalised incentives – rather than static rewards to trigger behaviour change. Whereas previous studies have provided penalties (or rewards) whenever the incentivised behaviour fell beneath a fixed threshold [ 8 ], thresholds for incentives in the FEEDBACK trial will be driver-specific and set to require (achievable) improvement relative to previous driving behaviour. These driver-specific thresholds will be progressively lowered – month on month – to incentivise further improvements, even among safer drivers.…”

Section: Introductionmentioning

confidence: 99%

“…Whilst previous research indicates that feedback and incentives can improve driving behaviours [ 7 , 8 , 28 ], this study will also evaluate the likely impact of personalised feedback and incentives on crash risk specifically. Moreover, this trial marks the first time that such an intervention will be evaluated among young drivers in their first year of licensing in relation to crash outcome.…”

Section: Introductionmentioning

confidence: 99%

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FEEDBACK trial - A randomised control trial to investigate the effect of personalised feedback and financial incentives on reducing the incidence of road crashes

Stevenson,

Mortimer,

Meuleners

et al. 2023

BMC Public Health

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Background Road crashes continue to pose a significant threat to global health. Young drivers aged between 18 and 25 are over-represented in road injury and fatality statistics, especially the first six months after obtaining their license. This study is the first multi-centre two-arm parallel-group individually randomised controlled trial (the FEEDBACK Trial) that will examine whether the delivery of personalised driver feedback plus financial incentives is superior to no feedback and no financial incentives in reducing motor vehicle crashes among young drivers (18 to 20 years) during the first year of provisional licensing. Methods A total of 3,610 young drivers on their provisional licence (P1, the first-year provisional licensing) will participate in the trial over 28 weeks, including a 4-week baseline, 20-week intervention and 4-week post-intervention period. The primary outcome of the study will be police-reported crashes over the 20-week intervention period and the 4-week post-intervention period. Secondary outcomes include driving behaviours such as speeding and harsh braking that contribute to road crashes, which will be attained weekly from mobile telematics delivered to a smartphone app. Discussion Assuming a positive finding associated with personalised driver feedback and financial incentives in reducing road crashes among young drivers, the study will provide important evidence to support policymakers in introducing the intervention(s) as a key strategy to mitigate the risks associated with the burden of road injury among this vulnerable population. Trial registration Registered under the Australian New Zealand Clinical Trials Registry (ANZCTR) - ACTRN12623000387628p on April 17, 2023.

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Handheld Cellphone Use and Risky Driving in Adolescents

McDonald,

Rix,

Ebert

et al. 2024

JAMA Netw Open

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ImportanceHandheld cellphone use while driving is associated with increased motor vehicle crash risk among adolescents.ObjectiveTo examine the association of handheld cellphone use while driving with kinematic risky driving (KRD) events—hard braking and rapid acceleration—in adolescent drivers.Design, Setting, ParticipantsAdolescents aged 16.50 to 17.99 years licensed 365 days or less in Pennsylvania were eligible to participate in this cross-sectional study. Enrollment occurred from July 29, 2021, to June 6, 2022. Participants downloaded a smartphone telematics cellphone app to record driving data for 60 days.ExposuresTrip characteristics, including frequency, length, and duration; presence of speeding; frequency and duration of handheld cellphone use; time of day; and presence of precipitation.Main Outcomes and MeasuresKinematic risky driving events per 100 miles driven. Zero-inflated Poisson regression models examined whether individual characteristics and trip characteristics were associated with KRD. Incidence rate ratios were computed.ResultsOf 405 adolescents who responded to recruitment, 151 enrolled, 140 completed study procedures, and 119 with 12 360 trips were included in the analytic sample (60 female participants [50.4%]; mean [SD] age, 17.2 [0.4] years). Adolescents drove a mean (SD) of 103.8 (65.7) trips, 565.0 (487.3) miles, and 25.1 (19.3) hours. Adolescents had minimal night trips (1.5% [192]), and few trips with precipitation present (9.0% [1097]). Speeding occurred in 43.9% (5428) of the trips and handheld cellphone use occurred in 34.1% (4214) of the trips. Kinematic risky driving events occurred in 10.9% (1358) of the trips at a rate of 2.65 per 100 miles. In adjusted models, increased KRD events were associated with handheld cellphone use (incidence rate ratio [IRR], 2.62; 95% CI, 1.53-4.48), speeding (IRR, 2.12; 95% CI, 1.06-4.26), and minutes driving (IRR, 1.02; 95% CI, 1.01-1.02). Trips at night, precipitation presence, licensure for less than 6 months, and sex were not associated with increased KRD events.ConclusionsIn this cross-sectional study of adolescent drivers, trips with handheld cellphone use and speeding were associated with higher rates of KRD, while individual characteristics were not. The findings suggest that smartphone telematics apps provide an opportunity to observe behaviors as well as surveil changes due to intervention efforts.

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The effect of telematic based feedback and financial incentives on driving behaviour: A randomised trial

Cited by 18 publications

References 14 publications

From Actuarial to Behavioural Valuation. The impact of telematics on motor insurance

From Actuarial to Behavioural Valuation. The impact of telematics on motor insurance

FEEDBACK trial - A randomised control trial to investigate the effect of personalised feedback and financial incentives on reducing the incidence of road crashes

Handheld Cellphone Use and Risky Driving in Adolescents

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