The Dis­cov­ery In­sure driv­ing app can make you a bet­ter driver and save you cash

CityPress - - Business - MAR­CIA KLEIN, MAMELLO MA­SOTE and MOY­AGABO MAAKE business@city­press.co.za

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

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