GolfGTIforum.co.uk
General => General discussion => Topic started by: bobbarley on 11 February 2012, 17:44
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http://www.bbc.co.uk/news/technology-16969509
Insurance based on how you drive. good, or bad?
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No need for speed cameras soon as your own car will squeal on you :grin:
If this takes off then we might as well have geographically limited cars so you cant break the speed limits, but i dare say this will not happen as the fines would be too lucrative to miss out on
This sort of tech spells the end for cars as a method of individual transport in urban areas
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Surprised theres not average speed camera's round the country yet to make sure you are always within the speed limit...
But when that point comes we will all get mk3's and cruise round the coast, canals and rivers
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Surprised theres not average speed camera's round the country yet to make sure you are always within the speed limit...
But when that point comes we will all get mk3's and cruise round the coast, canals and rivers
I am already a regular at the lock keepers arms :grin:
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I saw this and my mates and me all reckon - uninsurable. :grin:
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I heard on a radio show (radio 4?) a few weeks ago, that this WILL be the future of insurance policies for everyone :lipsrsealed:
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Its called tracking and if anyone feels this is the way forward welcome to totalitarian society.
Doom monger or whatever, Internet and intellectual property, CCTV, credit cards N no cash and now tracking your movements
http://en.m.wikipedia.org/wiki/Totalitarianism (http://en.m.wikipedia.org/wiki/Totalitarianism)
Insert your own film quote here....". "
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Sad thing is you'll most likely get raped for insurance without one and most people, being greedy fcukers, will opt in for the cheaper insurance. Not to mention the security aspects of it, what if all that lovely data on all of our movements was stolen by anonymooose cunts? :lipsrsealed:
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Thats me f**ked :lipsrsealed:
Its called tracking and if anyone feels this is the way forward welcome to totalitarian society.
Doom monger or whatever, Internet and intellectual property, CCTV, credit cards N no cash and now tracking your movements
http://en.m.wikipedia.org/wiki/Totalitarianism (http://en.m.wikipedia.org/wiki/Totalitarianism)
Insert your own film quote here....". "
I might move to China, it seems more relaxed over there..... :lipsrsealed: :lipsrsealed:
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I might move to China, it seems more relaxed over there..... :lipsrsealed: :lipsrsealed:
It does seem a better option every week when more of these silly ideas come to fruition :grin: cheap gadgets too :cool:
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I might move to China, it seems more relaxed over there..... :lipsrsealed: :lipsrsealed:
It does seem a better option every week when more of these silly ideas come to fruition :grin: cheap gadgets too :cool:
Cant say the cheap iphones are any good though I had one between mobiles last year till I got paid, I thought it was a smart idea for £10... but was it $h!t :grin: :grin: :grin:
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I heard on a radio show (radio 4?) a few weeks ago, that this WILL be the future of insurance policies for everyone :lipsrsealed:
i heard the same thing on a radio show about 6 years ago.. i reckon we're safe for now.
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There will always be insurance companies that wouldn't go for it as they would get the huge share of the market that don't want lot be asked everywhere they go.
I for one would never have one I don't see why I should I have never had any accident or been caught speeding in whole driving career( maybe came close a couple of times for speeding) so why should my driving be checked if I have never made or had a claim against me in over 20 years
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There will always be insurance companies that wouldn't go for it as they would get the huge share of the market that don't want lot be asked everywhere they go.
I for one would never have one I don't see why I should I have never had any accident or been caught speeding in whole driving career( maybe came close a couple of times for speeding) so why should my driving be checked if I have never made or had a claim against me in over 20 years
If the insurance companies can save money on paying out then they will all go this way.
This sort of tech means all the cars around you can be shown at the time of an accident, maybe honesty will be forced upon all parties involved and the real cash for crash culprits will get justice.......or maybe we will all just get bigger bills and no freedom.....
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We'll all lose our policies for speeding. There's no one that's never broken a speed limit.
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We'll all lose our policies for speeding. There's no one that's never broken a speed limit.
You could limit cars to the speed of the road, this would have us all stuck behind buses and milk floats which would be no better than riding on the bus.
One way to get public transport fixed and create some jobs I suppose
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But then there's the concern of GPS technology and how inaccurate it is, its like people who rely on using GPS speed over the tacho, they don't realize how inaccurate the GPS device/software can be. Like one of my devices had a bug with hills, The hill is elevating so going 30mph will seem like 15mph in a straight line, a bit of simple maths such as trigonometry would let you work out the speed and distance easily providing the elevation is known, sat nav can see the elevation, I'm doing 50mph but its adamant I'm doing 12mph. Then how many times has the nav device thought you was on a different road? How about the speed errors you also get when going round a bend and changing lane due to the accuracy of the signal?
Unless the insurance industry invest in accurate GPS equipment like surveyors use or GPS technology vastly improves I cant see this happen, which seems like it is extremely unlikely due to the costs involved.
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They're working on a European GPS system, they're still launching more satellites for it. It'll be accurate to within 1 metre.
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They're working on a European GPS system, they're still launching more satellites for it. It'll be accurate to within 1 metre.
Yeah I know as GPS is american shizzle that they can take down at any time, so we have a new EU system in place that will be active soon... Think its Galileo the project name?
But I thought that wasn't in full operation till 2020ish? So plenty of time, then there's going to have to be hardware to run along side it, but what are the odds of manufacturers still using other navigation satelites like GPS, Compass and the russian one? I bet devices that work with the European system will come at a premium for the accuracy.
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They're working on a European GPS system, they're still launching more satellites for it. It'll be accurate to within 1 metre.
Yeah I know as GPS is american shizzle that they can take down at any time, so we have a new EU system in place that will be active soon... Think its Galileo the project name?
But I thought that wasn't in full operation till 2020ish? So plenty of time, then there's going to have to be hardware to run along side it, but what are the odds of manufacturers still using other navigation satelites like GPS, Compass and the russian one? I bet devices that work with the European system will come at a premium for the accuracy.
EDIT: Wiki Reference: The high-precision capabilities will be available for paying commercial users and for military use.
http://en.wikipedia.org/wiki/Galileo_%28satellite_navigation%29
So we will still have piss poor accuracy unless a premium is paid :rolleyes:
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Services
The Galileo system will have five main services:
Open access navigation
This will be available without charge for use by anyone with appropriate mass-market equipment; simple timing, and positioning down to 1 metre.
Commercial navigation (encrypted)
High precision to the centimetre; guaranteed service for which service providers will charge fees.
Safety Of life navigation
Open service; for applications where guaranteed precision is essential. Integrity messages will warn of errors.
Public regulated navigation (encrypted)
Continuous availability even if other services are disabled in time of crisis; Government agencies will be main users.
Search and rescue
System will pick up distress beacon locations; feasible to send feedback, e.g. confirming help is on its way.
Commercial navigation will be for insurance, most likely.
The search and rescue one is a very good idea. If you're ever in trouble in the middle of god knows were and there's no phone signal this will send your exact position to emergency services.
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gps based insurance is a good idea, you pay based on your own risk rather than based on 1000's of people. people say insurance isn't fair as currently you subsidise poor/accident prone drivers through your own premium
my work trialled fitting black boxes a few years back and gps is the next thing....(and the dpa would need major work for the police to have access to the data, so it's not 100/% big brother yet!)
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Services
The Galileo system will have five main services:
Open access navigation
This will be available without charge for use by anyone with appropriate mass-market equipment; simple timing, and positioning down to 1 metre.
Commercial navigation (encrypted)
High precision to the centimetre; guaranteed service for which service providers will charge fees.
Safety Of life navigation
Open service; for applications where guaranteed precision is essential. Integrity messages will warn of errors.
Public regulated navigation (encrypted)
Continuous availability even if other services are disabled in time of crisis; Government agencies will be main users.
Search and rescue
System will pick up distress beacon locations; feasible to send feedback, e.g. confirming help is on its way.
Commercial navigation will be for insurance, most likely.
The search and rescue one is a very good idea. If you're ever in trouble in the middle of god knows were and there's no phone signal this will send your exact position to emergency services.
But can you see that being realistic, the emergency service which is 1m accuracy is brilliant for a premium considering the size of a ship at sea etc, the 1m accuracy is more than enough for a SOS service.
What do you think the cost will be on a 1cm accuracy service, also do you realistically think that them satellites where ever designed for this insurance idea in place? There's 31million cars in the UK if not more now, thats not counting Europe or the emergency services or other services these satellites are designed for. Realistically I cant see this happening let along the satellites being able to take that work load.