the Case is updated.
Rema 1000 has embarked on the insurance market, and in august opened Rema insurance.
Customers who want to order the car insurance with the company, get offers for a cheaper variant if they install a chip, which monitors the driver’s driving behavior in the car.
Rema 1000 is the first company that makes use of such technology, writes Dagens Næringsliv.
the Piece captures, among other things up what speeds you are running, if one accelerates fast, and brakes hard, and if you are running at night. The information is sent to an app considering how good the driver is to run.
Rema insurance calls this technology “gadget”.
- the Widget to install in the car and then send the information about your driving to your app, Run smart. Run safe and fine, you will get a discount on your insurance, writes the company on its website.
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Inspectorate: – Personvernutfordringer
This is launched by the Rema insurance as “additional benefits”. But there is the danger that the information can be misused? The data inspectorate has a certain amount of skepticism to this type of monitoring.
- We are skeptical about the logging of data that shows where one is located, and whether this is covered by the service, it is important that the information is not stored longer than strictly necessary. This is the new products, and one puts out an electronic track. If they exist, what are they used afterwards? says the legal director Kim is the first christmas in the Inspectorate to the Impulses.
He adds that it is important that the application data is transferred to, is safe enough. On the other hand, he believes it is good that the app that the information is sent to, is personalized.
In these days, we look at this type of insurance services, which has personvernutfordringer, ” says Eilertsen.
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the data Inspectorate is, however, less wary of providing information that says something about what kind of driver the customer is.
- That you tell the insurance company how you’re driving, is a voluntary choice. Insurance company always uses a risk assessment based on objective elements, such as the age of the customer. The only thing new is that you now get the customized arguments, believe the first christmas.
- do you Think that this type of reporting can be transferred to other types of insurance, such as health insurance?
- Yes, and that is precisely why we look closer at what kind of information companies can put the weight on and in what context, ” he says.
- Can opt out of the GPS-data
Managing director Pia Almvang in Rema insurance says that customers can choose not to turn on the collection of GPS data, and still get a kjørescore and any discount on the insurance.
This type of tracking is not a required function in the Run smart. Run smart is an app that first and foremost, read kjøreadferd. The information will be used only to provide our customers with the correct and lowest possible forsikringspris. Rema insurance do not have access to the GPS data, if the customer chooses this to be collected. Rema insurance know not, therefore, where the customer is or where the customer is running. And even if we measure the speed, so we do not know whether the customer adheres to the speed limit or not. The data we receive will never be used in connection with the skadeoppgjør, says Almvang in an e-mail to the Impulses.
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Almvang discloses further that, Run smart-the solution is under the strict supervision of the Inspectorate and the financial supervisory authority of norway.
- All data-sharing happens under the consent of the customer himself, and Rema insurance is committed to dealing with data and privacy in the right way. Customers can be confident that the data be misused or sold on. Deletion of data and our procedures on this is also agreed upon and approved by the data Inspectorate. The starting point for the GPS data is that they are stored in a certain period so that the customer gets a good overview of the product she has purchased as well as sufficient insight into the services the app offers, but that we continuously delete if the customer does not confirm that she will have the data available in the app for their own use. For forsikringsrelaterte data are the requirements and the procedures more complicated, but at least as strict, ” she says.
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