METHOD AND SYSTEM FOR DRIVER STYLE MONITORING AND ANALYSING
First Claim
1. A method for determining insurance costs for a driver of a vehicle comprising:
- monitoring the location of the vehicle whilst it is being driven by the driver;
monitoring parameters associated with the vehicle whilst it is being driven by the driver;
generating a driver profile that indicates the driving style of the driver based upon the location of the vehicle and the parameters associated with the vehicle whilst it is being driven; and
determining insurance costs or charges using the driver profile.
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Accused Products
Abstract
The invention discloses a method and a system for determining insurance costs for a driver of a vehicle (100) comprising monitoring the location of the vehicle whilst it is being driven by the driver, monitoring parameters associated with the vehicle whilst it is being driven by the driver, generating a driver profile (400) that indicates the driving style of the driver based upon the location of the vehicle (100) and the parameters associated with the vehicle whilst it is being driven and determining insurance costs or charges using the driver profile. Determining costs associated with how a driver drives enables a driver to pay more fairly determined costs based on how well they drive, as they will not have to pay extra money for drivers who do not drive as well as them.
415 Citations
17 Claims
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1. A method for determining insurance costs for a driver of a vehicle comprising:
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monitoring the location of the vehicle whilst it is being driven by the driver; monitoring parameters associated with the vehicle whilst it is being driven by the driver; generating a driver profile that indicates the driving style of the driver based upon the location of the vehicle and the parameters associated with the vehicle whilst it is being driven; and determining insurance costs or charges using the driver profile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system for determining insurance costs or charges for a driver of a vehicle comprising:
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a vehicle positioning device for monitoring the location of the vehicle whilst it is being driven by the driver; a device for monitoring parameters associated with the vehicle whilst it is being driven by the driver; and a processor arranged to; generate a driver profile that indicates the driving style of the driver based upon the location of the vehicle and the parameters associated with the vehicle whilst it is being driven; and determine insurance costs or charges using the driver profile.
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16. A method for calculating pollution charges for a driver comprising:
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monitoring parameters associated with the vehicle whilst it is being driven by the driver; generating a driver profile that indicates the driving style of the driver based upon the location of the vehicle and the parameters associated with the vehicle whilst it is being driven; and determining pollution charges using the driver profile. - View Dependent Claims (17)
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Specification