Let’s get the true confessions out of the way: on Mondays, I’m an appalling driver. On Tuesdays, I’m world class.
That’s the harsh truth presented to me by my smartphone, in collaboration with a sensor in a car and an app on my smartphone. But here’s the kicker: thanks to the reward I’ve been offered for my behaviour on Tuesday, chances are that I’m going to make Wednesday great, too. And come next Monday, I will probably be a little less appalling. However, there is only so far one can go on a Monday, regardless of coffee and other awards.
Thanks to interactive technology, though, it is likely I will become less of a menace on the roads over time, regardless of the day of the week.
But first, answer this question: Which would you prefer from an insurance company: threats of punishment, or promises of rewards? The answer is obvious, yet most insurance companies are still firmly in 20th century mode: promise the world, but make it exceptionally difficult to claim when things go wrong.
Of course, there is a better way. And thanks to technology, many better ways. In recent years, short-term insurance companies have latched on to the secret long known in medical insurance: rewards incentivise behaviour.
The concept was pioneered give years ago by South Africa’s Discovery, which extended its Vitality health rewards programme to car insurance. The medical aid giant entered a strategic partnership deal with US-based Cambridge Mobile Telematics, which had developed technology that allows users to combine massive amounts of sensor data from smartphones, other mobile devices, and cars. The technology category is called telematics, which nowadays tends to be seen as a sub-category of the Internet of Things (IoT) – the ability for any device to be connected to the Internet for sending and receiving data automatically.
In South Africa, the result was the Discovery Insure smartphone app on phones and the Vitality Drive Sensor, placed in a vehicle. Both Discovery and its clients are able to keep close tabs on driving behaviour. By roping in Vitality-style rewards, Discovery also incentivises improved driving behaviour. Almost as significantly, it allows the company to gather data from a large group of drivers to learn more about the impact of both good and bad driving behaviour.
The concept has taken off around the world. US-based Root Insurance has pioneered “usage-based insurance” in the USA, obtaining a valuation close to $1-billion through enthusiastic early investors. Root has also latched onto discounts, offering reduced premiums for keeping the app running. In the United Kingdom, at least half a dozen companies are offering “black box insurance” using telematics.
South African companies are far ahead of the game. Two years ago, Avis launched the SafeDrive app, using Discovery’s sensor system, and with a Vitality-style rewards concept built in. That is its key differentiator from almost any other car rental company in this country: it rewards its customers for driving well.
By connecting to the sensor, the app collects data on the movement of the car, and scores the driver on smoothness of acceleration, driving and braking. The app on the phone links it to mapping data, including speed limits, so that the driver is also rated on speeding. Finally, the smartphone itself detects when the driver is using it, meaning that one loses points for bad driving as well as for using the phone while driving. The app also cannot link to mapping and other data when the phone is not in range of mobile data connectivity.
The upside is that, when one scores 80% or more, one is able to activate rewards on an upward sliding scale. From 80 to 84, the app unlocks free coffee from Vida E Caffe or a hot drink from Kauai. The next tier, from 85-89, delivers the likes of a chicken sandwich from Nando’s. Superb driving above 90% takes you all the way to full breakfast at Mugg & Bean, or the equivalents at the other partners.
Avis saw immediate benefits: early stats showed that Avis customers redeeming the rewards improved their driving by 5%, while there was an 8- 12% improvement in driving within seven days of a trip. In other words, drivers took steps to improve their driving over time.
The app also uses the phone to alert Avis of severe impacts, or severe weather alerts, as well as providing a panic button function for emergencies – with 24-hour access to an emergency centre.
Ironically, it was city driving that earned me the most rewards, with several 100% trips despite stop-start traffic and numerous speed limit changes. A trip to Limpopo on a Monday destroyed my credibility, however: on one long, straight stretch of road in the open countryside, with almost no traffic in either direction for an hour, I found it impossible to keep to the 60km speed limit. SafeDrive had no sympathy, and scored me a dismal 70%.
I was determined to make up for it the next day, and saw the rewards flowing in. Sadly, I didn’t have time to cash in, and that raises a suggestion for both Vitality and Avis: when customers don’t take up their rewards, they should automatically be allocated to charities. It is an option on the Vitality app, but has to be specifically selected. Automate that, and drivers will also be doing good by driving better.
Click here to read how the SafeDrive app works.
Vodacom cuts cost of smallest bundle by 40%
The country’s largest mobile operator has kept to a promise made last month to slash the price of entry-level data packages
Vodacom has cut the data price of its lowest-cost bundle by 40%, reducing the price of a 50MB 30-day bundle from R20 to to R12. This follows from the operator’s promise in March, when it announced a 33% cut in the cost of 1GB bundles, to reduce prices of all smaller bundles by up to 40%.
Vodacom’s various 30-day data bundle prices will be cut across all of its channels, with the new pricing as follows:
|30-day bundle size||New Price||Reduction|
Vodacom confirmed it will provide free data to access essential services through Vodacom’s zero-rated platform ConnectU with immediate effect. The value of these initiatives, it says, is R2.7-billion over the next year.
“Vodacom can play a critical role in supporting society during this challenging time and we’re committed to doing whatever we can to help customers stay connected,” says Jorge Mendes, Chief Officer of Vodacom’s Consumer Business Unit. “Since we started our pricing transformation strategy three years ago, our customers have benefitted from significant reductions in data prices and the cost of voice calls. Over the same period, we invested over R26 billion in infrastructure and new technologies, so our customers enjoy wider 2G, 3G and 4G coverage and vastly increased data speeds.”
The latest data reductions will complement the discounted bundle offers that will also be made available to prepaid customers in more than 2,000 less affluent suburbs and villages around the country. For qualifying communities to access further discounted voice and data deals, they need to click on the scrolling ConnectU banner on the platform via connectu.vodacom.co.za
ConnectU – which is a zero-rated platform – also went live this week. It will provide content aimed at social development and offers a variety of essential services for free. Learners and students enrolled in schools and universities can access relevant information for free, with no data costs. The ConnectU portal includes a search engine linked to open sources such as Wikipedia and Wiktionary as well as free access to job portals; free educational content on the e-School platform; free health and wellness information and free access to Facebook Flex, the low data alternative to Facebook that enables customers to stay socially connected.
Vodacom’s popular Just4You platform has been a significant contributor to the approximately 50% reduction in effective data prices over the past two years. Substantial cuts in out-of-bundle tariffs and the introduction of hourly, daily and weekly bundles with much lower effective prices have also driven increased value and affordability, resulting in R2-billion in savings for customers in 2019.
OneBlade shaves price of electric precision
Electric razors and their blades are usually quite expensive. But the Philips OneBlade shaves the cost, writes SEAN BACHER
Electric razors come in all shapes and forms and their prices vary as well. When your nearest electronic retail outlet opens again, you will be able to pay a small fortune for a wet and dry razor that cleans itself, shows you when it needs to be recharged, and tells you to replace the cleaning solution – all via a little LCD panel in the handle.
But does everyone want that? Does everyone need that? Surely there must be customers who want an easy-to-use, no-mess, no-fuss razor that gets the job done just as well as a “smart razor”?
With this in mind, Philips has launched its OneBlade wet and dry electric razor. The razor is dead simple to use. It comes with three stubble combs – 1mm, 3mm and 5 mm – which can be clicked onto the head much like one would with a hair shaver. Should you want a really close shave, simply the combs off. I found this to be the most effective as I don’t have a beard.
The razor’s blade is the size of the striking side of a matchbox and has 90-degree angles all round. This offers precise shaving and, because of its small size, it is able to get just about anywhere on a person’s face.
The blade has a usage indicator that shows when it is time to replace the blade – usually after four months – and an additional blade is included in the box.
The OneBlade’s battery takes up to eight hours to charge, and will give up to 45 minutes shaving time.
Overall, the Philips OneBlade will give a man a comfortable and precise shave. Its battery life, combined with its size, makes it a perfect travel companion as it is no bigger than an electric toothbrush. Its relatively low price compared to other electric razors also counts in its favour.
The One Blade can be bought from most electronic retailers or can be ordered online from websites like takealot.com. The razor retails for R650 and a set of two new blades will cost around R450.