ICBC - TechPilot Project

ICBC LogoWould you volunteer to have your driving monitored all the time that you are behind the wheel in order to benefit from reduced insurance rates? Driver telematics are becoming a common way for insurance companies to assess a driver's crash risk and help set rates that are appropriate for that risk level.

Drivers can also learn from using telematics feedback and choose to reduce the risk that they present.  We would all benefit from reduced risk of a crash.

ICBC is working with a group of new drivers in the Graduated Licensing Program using a telematics system supplied by Octo. Drivers in the pilot earn rewards for demonstrating safe driving behaviour. The goal is to see if telematics will create a positive driving attitude and reduce crashes.

When asked, ICBC would only say that the pilot is currently under way and they would not be in a position to share any information until after it was concluded.



This isn't a discount, its a surcharge on privacy.

I think how hard one accelerates, brakes and corners is circumstantial at best to reducing the risk of crashing. Conversely avoiding a crash may require hard braking, cornering or accelerating. For me the historical claim record is the only reliable indicator of a risk to an insurer. Furthermore, basing driving decisions on anything other than what is immediately happening on the road increases the risk for everybody else, because no one will know what the heck you're doing and why. And having real-time telematics in your car creates hard evidence for ICBC to use against you to invalidate your policy, deny a claim or assign responsibility. You could be held "responsible" for actions prior to the crash, even if the actions had nothing to do with the crash itself. Or you may lose coverage because your car was parked at a place other than your declared residence for longer than ICBC would like. Police may also be able to obtain the evidence stored on you by ICBC to investigate, surveil and prosecute you for all sorts of things they couldn't before.

This is a move against your and public best interests because ICBC will start price-gouging you for NOT having this "wonderful new technology"(TM) that "everybody already has" (TM) and "it saves lives"(TM) and "you are a bad person for not having it like everybody else"(TM).

This isn't a discount, its a surcharge on privacy.

This "deal" is completely unbalanced:

You get:
Discount: hundreds of dollars per year at most, at an elevated risk of financial ruin and the loss of privacy.

ICBC gets:
Real-time tracking of where your car goes to enforce their policies, investigate you and invalidate insurance retroactively.
Digital record of your actions to present in court to assign blame and deny coverage.
Savings for ICBC: potentially millions on per case basis.

Police gets:
Hard evidence against you to levy charges and fines, as many as they want and as often as they can.
Revenue for tickets: potentially millions of additional dollars per month.

Public roads get:
A bunch of drones further isolated from what is happening on the road, basing their decisions on what their smartphone tells them.
No appreciable risk of crash reduction, unless they can prove otherwise.

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