TY - JOUR
T1 - In-car usage-based insurance feedback strategies. A comparative driving simulator study
AU - Dijksterhuis, Chris
AU - Lewis-Evans, Ben
AU - Jelijs, Bart
AU - Tucha, Oliver
AU - de Waard, Dick
AU - Brookhuis, Karel
PY - 2016
Y1 - 2016
N2 - Usage-Based Insurances (UBI) enable policyholders to actively reduce the impact of vehicle insurance costs by adopting a safer and more eco-friendly driving style. UBI is especially relevant for younger drivers, who are a high-risk population. The effectiveness of UBI should be enhanced by providing in-car feedback optimised for individual drivers. Thirty young novice drivers were therefore invited to complete six experimental drives with an in-car interface that provided real-time information on rewards gained, their driving behaviour and the speed limit. Reward size was either displayed directly in euro, indirectly as a relatively large amount of credits, or as a percentage of the maximum available bonus. Also, interfaces were investigated that provided partial information to reduce the potential for driver distraction. Compared to a control no-UBI condition, behaviour improved similarly across interfaces, suggesting that interface personalisation after an initial familiarisation period could be feasible without compromising feedback effectiveness. Practitioner Summary: User experiences and effects on driving behaviour of six in-car interfaces were compared. The interface provided information on driving behaviour and rewards in a UBI setting. Results suggest that some personalisation of interfaces may be an option after an initial familiarisation period as driving behaviour improved similarly across interfaces.
AB - Usage-Based Insurances (UBI) enable policyholders to actively reduce the impact of vehicle insurance costs by adopting a safer and more eco-friendly driving style. UBI is especially relevant for younger drivers, who are a high-risk population. The effectiveness of UBI should be enhanced by providing in-car feedback optimised for individual drivers. Thirty young novice drivers were therefore invited to complete six experimental drives with an in-car interface that provided real-time information on rewards gained, their driving behaviour and the speed limit. Reward size was either displayed directly in euro, indirectly as a relatively large amount of credits, or as a percentage of the maximum available bonus. Also, interfaces were investigated that provided partial information to reduce the potential for driver distraction. Compared to a control no-UBI condition, behaviour improved similarly across interfaces, suggesting that interface personalisation after an initial familiarisation period could be feasible without compromising feedback effectiveness. Practitioner Summary: User experiences and effects on driving behaviour of six in-car interfaces were compared. The interface provided information on driving behaviour and rewards in a UBI setting. Results suggest that some personalisation of interfaces may be an option after an initial familiarisation period as driving behaviour improved similarly across interfaces.
KW - behavioural feedback
KW - driver distraction
KW - Intelligent speed advisor
KW - intelligent transport system
KW - Pay-As-You-Drive
UR - http://www.scopus.com/inward/record.url?scp=84967224355&partnerID=8YFLogxK
U2 - 10.1080/00140139.2015.1127428
DO - 10.1080/00140139.2015.1127428
M3 - Article
AN - SCOPUS:84967224355
SN - 0014-0139
VL - 59
SP - 1158
EP - 1170
JO - Ergonomics: an international journal of research and practice in human factors and ergonomics
JF - Ergonomics: an international journal of research and practice in human factors and ergonomics
IS - 9
ER -