Improving Driving Behavior with an Insurance Telematics Mobile Application

Abstract

The research presented in this manuscript assesses the impact of the introduction of a mobile phone distraction feature included in a car insurer telematics mobile application. We analyze car drivers’ behaviours and cognitive states using EEG and vehicular telemetry during a simulated driving task. Two groups of qualified drivers were compared: one group were provided awareness of feature introduction and one group with no awareness of the feature introduction. As a whole, our results suggest that the awareness of app feature updates may have led to the creation and internalization of better driving habits during a 3-month period and thereafter, an improvement in behavioral outcomes in the simulated environment. This research contributes to road safety research by assessing the cognitive and behavioural impact of telematics application features on driving behaviour and has practical implications for the automotive insurance sector.