Aviva’s latest move to provide free dash-cams with its Aviva Drive App illustrates a market that is mobilizing technology to reduce the impact of fraudulent claims on insurers and consumers, according to GlobalData Financial Services.
The app was launched in July 2018 and allows consumers to record footage and submit it at their discretion.
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The smartphone app automatically detects collisions using motion-reading sensors and then stores the recording, which the driver can decide whether to submit to the insurer.
This provides a double benefit for consumers, who can benefit from showing that incidents were not their fault, while withholding footage indicating it might have been – Aviva has stated that customers will not be punished with premium hikes for not submitting video evidence.
Simplifying the claims process
This appears to be the latest step in Aviva’s push to simplify the claims process.
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By GlobalDataIt has launched a television ad campaign based around customers being interrogated about their home insurance or a particular car insurance claim.
The motor ad sees a customer try and explain a series of out-of-the-ordinary events that led to a crash, which could have easily been resolved by this dash-cam feature.
The product launch coincides with the creation of a website by dash-cam manufacturer Net Base where consumers can upload similar footage of incidents directly to the police at their own discretion.
It shows that the motor sector as a whole is targeting fraudulent claims, with the Civil Liabilities Bill put forward in March 2018 looking to clamp down on whiplash claims in particular.
Overall this is a positive step for consumers, as it simplifies the claims process, prevents individuals from falling victim to fraudulent claims, and presents no added risk.
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Aviva Plc