Vehicle Telematics Systems

Vehicle Telematics Systems

What are vehicle telematics systems? Telematics refers to the branch of IT that deals with long-distance transmission of computerised information. When telematics is incorporated into the vehicle tracking systems, it has the ability to enable your vehicle to spy and report on the way that you drive. It will have the ability to correctly judge those responsible for causing accidents. The tracking of a vehicle involves the combination of GPS system and on-board diagnostics that make it possible to record, document and map out exactly the location of a vehicle and how fast it's moving. With the addition of 3G network to the communication, the system is capable of sending information and communication data between a vehicle and the central management system. Formula One teams have applied telematics for a couple of years in order to determine the exact location of the opponents on the racetrack.

Vehicle telematics systems can be used by anyone and with time by everyone. It's an ideal application for tracking vehicle fleets and cars that have been stolen. This includes all the vehicles from companies providing courier services to then offering emergency services such as ambulances. With continued research and development, this technology is capable of assisting users who experience car break-downs by an automatic alert to the car repair company such as the AA. Car insurance firms were the first group that gave usage based insurance policies to the people who use vehicle telematics systems.

Technology keeps changing which in turn keeps the laws changing in order to keep the former under control. Car insurers in Europe must look for other ways of assessing risk after the European Court of Justice ruled out that insurance premiums on cars must be gender neutral from the end of 2012. The telematics system offers accurate data from a transparent approach that comes in handy to the insurers. Currently, telematics systems work under the pay as you drive (PAYD) system. But time has seen the acceleration of the use of telematics which is now changing its focus from PAYD to pay how you drive (PHYD). Most insurers under the PAYD system monitor and assess the driving habits of the driver using on-board technology. This technology enables them to give more accurate data and the understanding of the risk is very specific.

The tracking devices that insurers install in customers vehicles provide them with wide and varied information such as location of vehicles at certain specific times, the habits of the driver during those times. This information enables them to develop insurance products that are more custom-made and personalised to the drivers. Those drivers who behave well can be rewarded with lower fees if telematics systems are considered. The systems are also capable of providing more detailed information which gives more accuracy and precision to the insurers in blaming specific drivers that have been involved in an accident.

If you happen to be a good driver, telematics technology definitely guarantees you lower car insurance premiums. The current pricing model used by car insurers have rates purely based on lifestyle and home address. Incorporation of this technology will see the pricing model shift to one whose rates are governed on driving style and location. Drivers who take less risks will have reduced insurance claims. The systems are capable of giving a feedback on the performance of the driver which in turn decreases the number of accidents and incidents and results to reduced number of insurance claims. The feedback obtained can be customised in order to maximise on fuel economy. In order to compare the habits of different drivers, the data recorded using telematics system is used by some insurers to compare the drivers' behaviour with that if advanced drivers. There are specific insurances that has specialised in telematics. They compare their driver data to that of drivers that have been accredited by Royal Society for the Prevention of Accidents (RoSPA). Theoretically, this system gives credible and robust benchmark which gives you lowest premiums if you are closest to it.

In its early stages, telematics was used to track the location of lorries in long-distance travels and send back this data to the headquarters. With time, telematics technology has advanced significantly and nowadays it's cloud-based meaning that it shares data and also insight into the behaviour of the driver and risks likely to be encountered. For drivers, they may get feedback by observing simple single red light LED warning that tells them that they have been involved in performance of a high-risk manoeuvre. The supervisor or manager in charge of the fleet can obtain an analysis that's detailed to tell them the location of the vehicles, routes followed by drivers, where and when the driver exceeds the speed limit or even a black spot to be avoided as there have been many incidents or accidents. Messages such as “slow-down” and many others should always be expected by the driver who behaves inappropriately.

The telematics technology is designed to work on the hardware and apps of smartphones. Activation of the app happens every time that the smartphone is connected to the power source of the vehicle. It starts to record data on seconds basis immediately the driver moves at speeds over 10mph for more than 10 seconds. In addition to this, the app also records data on the driving style of the individual and the levels of anticipation, aggression, consistency and smoothness of the driver. It gives out information on road types and the driving conditions focusing of congestions and heavy rain. Despite being associated with older technologies and going out of favour, telematics is headed towards the world of cloud computing and smartphone apps.

The world of vehicle telematics systems is fast growing but nonetheless, other things are changing and doing so fast as well. There are breaks on advancement and progress that could slow down things. For example, in places where proprietary systems dominate, they cannot integrate with each other thereby causing one to go slow. A large number of open platforms will follow the moment smartphones and tablets dominate our interaction with telematics. The prices might be brought down by global software. The Allied Business Intelligence (ABI) conducted a research in Europe. In its findings, it identified UK and Italy to have insurers who will quickly and easily adopt this new technology. In its prediction of the number of telematics users, it conveyed that the number will grow in Europe from 1.5 million in 2010 to 44 million in 2017. Smartphone GPS navigation apps have better interfaces, low priced and their screens are among the best in the industry. In conclusion, the telematics technology is here with us and if used properly, it can help you drive more carefully.

So if you need a state of the art vehicle tracking system, give us a call on 0800 772 0943 now.

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