@article{ref1,
title="The effects of feedback and incentive-based insurance on driving behaviours: study approach and protocols",
journal="Injury prevention",
year="2018",
author="Stevenson, Mark and Harris, Anthony and Mortimer, Duncan and Wijnands, Jasper S. and Tapp, Alan and Peppard, Frank and Buckis, Samantha",
volume="24",
number="1",
pages="89-93",
abstract="BACKGROUND: Road injury is the leading cause of death for young people, with human error a contributing factor in many crash events. This research is the first experimental study to examine the extent to which direct feedback and incentive-based insurance modifies a driver's behaviour. The study applies in-vehicle telematics and will link the information obtained from the technology directly to personalised safety messaging and personal injury and property damage insurance premiums. <br><br>METHODS: The study has two stages. The first stage involves laboratory experiments using a state-of-the-art driving simulator. These experiments will test the effects of various monetary incentives on unsafe driving behaviours. The second stage builds on these experiments and involves a randomised control trial to test the effects of both direct feedback (safety messaging) and monetary incentives on driving behaviour. <br><br>DISCUSSION: Assuming a positive finding associated with the monetary incentive-based approach, the study will dramatically influence the personal injury and property damage insurance industry. In addition, the findings will also illustrate the role that in-vehicle telematics can play in providing direct feedback to young/novice drivers in relation to their driving behaviours which has the potential to transform road safety.<br><br>Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.<p /> <p>Language: en</p>",
language="en",
issn="1353-8047",
doi="10.1136/injuryprev-2016-042280",
url="http://dx.doi.org/10.1136/injuryprev-2016-042280"
}