Will black boxes have a positive impact on insurance prices?
For Turbo.fr, Thomas Verbrugghe returns to the subject of black boxes. Indeed, the European Parliament adopted this directive in 2019 with an application on July 6, 2022. As the date approaches, many questions remain on the subject, particularly around their effectiveness. Presented as a measure supposed to reduce mortality on the roads, what is it really? Will they have an impact on the price of insurance?
The installation of black boxes has been deployed since the beginning of May in the European Union
The objective of this new equipment installed in new cars is to be able to prevent accidents on the roads. The system, an undetectable electronic chip for the driver, should record driving data: belt, speed, headlights, turn signal, braking distance… Conversations in the passenger compartment will not be picked up under any circumstances. The information will only be used to feed statistical databases, or for justice in the event of an accident.
However, will the loss ratio go down? In the United States, where the system has existed for a few years, mortality has fallen by around 20%. “ But driving behavior is very much linked to the culture of the country », emphasizes Olivier Moustacakis, co-founder of Assurland.com. ” We know that France, for example, is a very bad student on the systems for attaching children to the passenger compartment. With this equipment, this should encourage some to adopt a more virtuous conduct. “.
An increase in car insurance to be expected?
The other question mark concerns insurance. Also, Turbo.fr interviewed Olivier Moustacakis, who confirms “The increase in the price of a car does not lead to a reduction in insurance premiums”. Indeed, the cost of construction of the car should increase, between the equipment, evaluated at a hundred euros, and the workforce. It is still a bit early to verify this point, however. Conversely, the only time a reduction can be applied will be when drivers are more responsible. and that we will have lower insurance premiums because there will be fewer claims to pay says the co-founder of Assurland.com. To know the impact of black boxes on insurance, we will have to wait a little longer.
Full article here https://www.turbo.fr/actualite-automobile/la-boite-noire-un-vrai-moyen-dameliorer-la-prevention-routiere-185719
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