There is an advertisement on TV at the moment for an Australian car insurance company that encourages drivers to download an app to their phone to find out who is “Australia’s Best Driver“. Here’s the ad…
When you download and install the app it starts by asking you a few questions… your name, gender, email address, home address, etc. Then it keeps track of your driving using GPS location, timestamps, speed tracking, etc for at least the next 300km. In fact, it even defaults to an autostart mode so that you don’t have to remember to turn it on. Every so often it will check in with you to make sure that you are in fact the driver of the trips it’s been tracking. Then it scores your driving style in an attempt to find out who is the best driver in Australia.
Think about it. As well as knowing exactly who you are, it knows how fast you’re driving, when you’re driving, where you’ve been, who was driving and how long for, and even what your phone was doing as you drove. And remember, it just starts tracking automatically every time you drive. Without you even needing to turn it on.
Over time, the data will show whether you speed or not, whether you drive long distances without taking a break, whether you accelerate and brake erratically, what times of day you drive, and of course whether you’re using your phone as you drive. This is not just Big Data. This is highly personalised data about you as an individual.
But it’s just a game right? You’re encouraged to compete with your friends via social media, so that lots of people are playing the game with you, all submitting the intimate details of their driving history as well. Let’s see who’s the best driver. Plus you can earn badges. Yay! Badges! That’s what it’s about right?
I can’t believe anyone would voluntarily give all this data to an insurance company. I mean they say it’s to make you a safer driver. Yeah, sure, that’s totally the reason. Until you apply for insurance one day and you find they know a little bit more about your driving habits than you might’ve thought and your insurance premium reflects that knowledge. If you’re a good driver, maybe you’ll pay less for you insurance. And maybe you won’t. I know which one I’m betting on.
I like to think that I’m a pretty good driver, but even with the promise of a big cash prize, to voluntarily hand over that much personal driving history data to an insurance company seems absolutely crazy to me.
Thanks AAMI, but I’ll leave this little adventure to Neil, Gaz and Loretta Jones.