The Discovery Insure driving app can make you a better driver and save you cash
Rewards programmes are generally aimed at changing people’s spending habits or their behaviour.
The Discovery Insure driving app is more inclined to the latter. According to Discovery, the idea of its driving challenge is that better drivers make fewer claims.
The company also hopes that any attempt to change South Africans’ driving habits (our accident and fatality rates on the roads are among the worst in the world) is a change for the good.
Anton Ossip, the CEO of Discovery Insure, says the company has been able to correlate driving and claims.
Better drivers claim less and when they do claim, the size of their claim is smaller. It is therefore worth offering drivers an incentive to improve their driving skills.
The big incentive is a reduction in fuel and the monthly cost of fuel – and some people are getting close to R800 a month off on their fuel spend.
The more points a driver collects, the more money they save. Points are calculated using the driving score and other factors like the state of the car, completion of training and courses to improve driving skills.
Ossip has a score of 73. He said his family has had to deal with death due to road accidents and if this approach saved families from having to deal with that kind of tragedy, the initiative would be successful. “We want to create a culture change,” he says. Discovery Insure executive director Themba Baloyi, whose score is a remarkable 97, says Discovery has put more than R130 million back into clients’ pockets.
Usage to date confirms that women are, without doubt, better drivers, he adds.
But they tend to be more guilty of cellphone use and harsh braking. Men tend to be more guilty when it comes to taking corners quickly and speeding.
TRIP ADVISER You may think you’re a great driver, but the Discovery Insure driving app could prove you wrong