POWER OF DATA BLOG

Telematics & CCTV Effects on Insurance & Collision Costs

Jun 12/2018 Published by: Lytx Lytx Telematics

Why Telematics & CCTV are not delivering the insurance and collision reductions you expected.

For the first time in 17 years the UK witnessed a 6% increase in road casualties from 2013, reversing what has been a steady decline in road casualties since 1997. In fact, the latest figures from the Department of Transport show that the number of people killed on UK roads actually rose by 4% to 1,775 and the number of people seriously injured also rose by 5% to 22,807 in 2014.

Road safety charity Brake is calling on the government to do more by introducing ambitious road casualty reduction targets. In addition they’re also encouraging employers to implement the latest safety technology to protect road users, reduce collisions and insurance premiums. So what happens if you’ve implemented technology, your insurance premiums don’t go down, and your collision rates stay the same or even increase?

A recent report by the Institute of Advanced Motorists (IAM) identified that ‘failure to look properly’ is the most common contributory factor in over 30,000 vehicle accidents in 2013 in the UK. This is just one category where collisions could be directly attributed to driver behaviour, however 90% of all road traffic collisions are as a result of human error.  Organisations throughout the UK are looking at telematics and CCTV as a way to manage driver behaviour and collision reduction. However it’s important to remember that driver behaviour and collision reduction were not the issues these technologies were designed to solve.

Telematics can identify sudden or harsh movements, but only tells you half the story. CCTV was meant to provide evidence after an incident, to avoid fraudulent claims. Unfortunately, these technologies do not effectively reduce risk, before it happens. And, even worse, there are down-sides too, such as punitive actions towards your drivers, without knowing the whole story, and drivers feeling an invasion of privacy.

Exception-based video event recorders with predictive analytics and a managed service are a more effective and less intrusive solution to improving driver behaviour and reducing costs.

If collision reduction and reducing operational costs is top of your list and the technology you’ve implemented to date is not delivering then it may be time to reevaluate. Consider looking for a partner who can help you navigate a multitude of operational processes to maximise savings and efficiency in order to deliver long term value.


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