I – INTRODUCTION
NEXYAD has been developing the smartphonte application SafetyNex which estimates the risk of driving in real time [1]. SafetyNex is both a driver assistance system (ADAS), which alerts the driver (vocal alert) before danger (When the risk increases too much), and a telematics system that records risk profiles and usage profiles.
Warning before the danger gives the driver time to slow down and avoid the accident. Road Safety studies show that SafetyNex can reduce the number of accidents by 20% [2]. This simple functionality is of interest of car insurers, fleet managers, and to car manufacturers.
SafetyNex also rewards the driver with cups (gold, silver, bronze) that can be transformed into money incentive (vouchers, etc.) so that the safe drivers stil have a daily interest to go on using SafetyNex. Indeed, tools that are not used over a period of time rarely have a real effect on the accidentology. SafetyNex is therefore distinguished from other products, on the one hand by its real time and driving assistance, but also for its « reward » side. SafetyNex informs the driver In real time when the risk exceeds a threshold of danger, than one can say that SafetyNex gives the risk in the hands of the driver first. The driver is in control of his/her risk.
Then SafetyNex distinguishes from all telematics products that ultimately provide information to the insurer or fleet manager, but not to the driver who feels rightly spied on.
Risk and usage profiles [3] are forwarded to managers who have an interest in minimizing risk and the number of accidents. This paper presents a simple way to interpret the risk profiles constructed by SafetyNex.
II – SafetyNex RISK PROFILES
SafetyNex estimates risk of driving at every instant.
Since SafetyNex also measures usages, it measures among other things the durations and the number of traveled kilometers.
One can then construct the curve Risk (t) which is the risk at each moment, and also the curve Risk (km) which is the risk at each point of the route.
Let’s consider one or the other of those curves, it is easy then to cut the risk into slots:
It is therefore possible to calculate the total duration spent [resp the total number of km carried out] with a risk
between 10% and 20%, for example (or between 50% and 60%). The graph of these durations [resp number of km] for each range of risk (0% -10%, 10% -20%, etc.), looks like :
It can be seen that this graph can be seperated into three parts:
. A very high bar of near zero risk
. A shape of « bell curve » comparable to a gaussian
. Rising at the very end towards high risks
NEXYAD has run over 3,500 testers since June 2016, and has been able to interpret the shapes of these curves.
III – INTERPRETATION OF SafetyNex RISK PROFILES : CONSENTED RISK, EXPERTISE OF DRIVING, LACK OF ANTICIPATION OF DRIVER
The large quasi-zero risk bar simply expresses the fact that overall the car is a safe mode of transportation.
The part that draws a bell curve has a more or less strong spread : we have noticed that experienced drivers have a narrow curve (repeatability of their driving style is high) while beginners have a huge spread (they can’t drive always the same way).
The centering of the bell curve (maximum likelihood) corresponds to the way in which the driver takes a controlled Risk : cautious beginners have a low maximum likelihood (they try to take as less risk as they can) while experienced drivers have a higher maximum likelihood : they know what risk level thay can cope with.
Finally, the values that go up to the right (tail of distribution of the curve in bell) correspond to the vocal alerts, that is to saycases where the driver has not fully understood that the risk is high. In other words, it is the lack of anticipation and misunderstanding of road.
IV – CONCLUSION
SafetyNex’s risk profiles make it possible to understand the kind of driver you have :
. Cautious / not cautious (maximum likelihood of the bell curve position)
. Experienced / beginner (spreading of the bell curve)
. Lack of anticipation / very good anticipation (queues of distribution of the curve in bell)
Fleet insurers and managers therefore have all the information that they need to help the driver.
For example, within the framework of prevention plans, offering training adapted to each type of risky driving.
We validated this information by driving 3,500 testers, including beginners, experienced drivers, and also pilots (who in take risks appearance, but in reality have a very safe driving). This allowed us to give these interpretations of SafetyNex’s risk profiles.
With the deployment of SafetyNex to reduce the number of accidents, professionals structurally gain margin, and can use this margin to analyze profiles, segment them, and find the segments where it may be interesting to develop UBI (Usage Based Insurance) and real time pricing fleet.
This multi-functionality of SafetyNex makes it a unique and effective tool for managing driving risks.
Nexyad Automotive & Transportation Newsletter #15 is Available
2017 Year of mass deployment for Nexyad Products
After three years of Nexyad products development, 2017 will see the start of mass deployment of its products. An Automotive EOM has integrated RoadNex & ObstaNex for road detection and obstacles detection on special vehicles and an Infrastructure EOM has integrated Visinex for visibility measurement on highways. Beside, we’ll soon announce our first customers for SafetyNex.
Headlines :
– Nexyad Review after the CES 2017 in Las Vegas
– Example of SafetyNex Risk Profiles Data
– SafetyNex App Risk Profiles Analysis
– Nexyad invited to the 4th “Les rencontres du Fleet Management”
– NEXYAD new award: Champion SME (PME championne) of the French cluster MOV’EO
– Interview of Mov’eo and Nexyad by AutoK7
– New Update for Nexyad Modules RoadNex (Road detection) & ObstaNex (Obstacles Detection)
NEXYAD Automotive & Transportation Newsletter #15, February 13th, 2017
2017 Year of mass deployment for Nexyad Products
After three years of Nexyad products development, 2017 will see the start of mass deployment of its products. An Automotive EOM has integrated RoadNex & ObstaNex for road detection and obstacles detection on special vehicles and an Infrastructure EOM has integrated Visinex for visibility measurement on highways. Beside, we’ll soon announce our first customers for SafetyNex.
Nexyad was part of the Mission and took the opportunity to meet its partners, customers and future customers in Las Vegas. The show is bigger than everybody has told us before. There is thousands of boothes in several places in Las Vegas. It is impossible to see everything in four days long. This year, French Tech was well represented in the Venetian Hotel and at the Convention Center near the Westgate Hotel. Thursday January 5th, Nexyad was invited to a networking reception sponsored by Orange with the presence of Mr Stéphane Richard, chairman and CEO of Orange. The event took place at the Air Bar on the top of the Strastosphere Tower in Las Vegas.
Special interests seen about ADAS & Autonomous Driving at CES in Las Vegas
Abeeway already present at CES 2015 presented this year its new solution for autonomous geolocalisation with great duration (one year).
Giant Alphabet announced process of finalizing its autonomous car business through spin-off Waymo. Is Google will be car manufacturers or just embedded technology platforms and in the cloud technology for manufacturers ?
The GENIVI industrial alliance provides an open source system initiative for automotive manufacturers and their suppliers in connected car field. It collaborates with the Open Connectivity Foundation for connectivity between vehicles and smart homes. The alliance includes manufacturers such as PSA60, Renault Nissan, BMW and Daimler.
HERE Indoor Positioning brings precision to the industrial IoT.
HERE Indoor Positionning demo
The NEXYAD team present in Las Vegas was invited by officials on the HERE booth at Convention Center Central Plazza.
When we entered the booth, we saw a table with mini robotic forklifts in a warehouse, all built with real technology. The robots moved around a simulated environment picking up and delivering containers based on high-accuracy positioning, bringing the real-world applications to life.
It was one of the numerous technologies presented by HERE at CES this year. More about HERE here
LeddarTech has showcased three innovative 2D and 3D high-resolution LIDAR « solid state » solutions for autonomous driving applications based on next-generation LeddarCore ICs and developed with the collaboration of leading-edge suppliers and partners from the newly-established Leddar Ecosystem.
Nexyad hat a « summit » meeting with Leddartech (top of the Westgate Hotel on the booth of the canadian company). Both companies spoke about various future projects within the Groupement ADAS.
Gérard Yahiaoui CEO of Nexyad and Pier-Olivier Hamel Product leader at Leddartech.
Quanergy Systems rised $90m in 2016 to built Autonomous cars sensors with US Partner Sensata Technologies.
REVA2 participated for the first time to CES and present a vehicle that is both autonomous and traditional. It is in fact a complete automotive system that ambition to create the French startup.
robotTUNER (An automated vehicle that looks like the french one NAVYA).
Twinswheel has presented its autonomous droid for parcel delivery services in urban area.
New ADAS demos by VALEO
Valeo onboard demos area at Golden Lot was completely crowed during the four days of the Convention. But we were lucky happy few to test Valeo XtraVue and Valeo 360AEB Nearshield.
Valeo XtraVue is a system based on a set of connected cameras that eliminates visual obstacles. It takes two vehicles equipped with the system. The driver of the vehicle B, which follows the vehicle A, can see on its control screen what happens in front of the vehicle A by seeing through it.
VALEO XtraVue demo car
Valeo 360AEB Nearshield (Autonomous Emergency Braking) is an innovative technology to protect nearby pedestrians when vehicles perform low-speed maneuvers. With a full 360 degrees system of cameras and ultrasonic sensors, this ADAS helps the driver to avoid accident due to blind spots around large vehicles such as SUV and pick-up trucks. Read more about Valeo at CES
Verizon (fixed and mobile telecom) was updating 2.0 of its Go90 video streaming application for iOS and Android which now supports Apple TV and Google Chromecast. It will allow the sharing of video links with other users via social networks. Verizon Digital Media acquired Volicon, which manages video distribution back-ends and analytics with its Media Intelligence Platform. Another acquisition is Fleetmatics for $ 2.4B. It is a fleet tracking service via GPS, a deal to get into the automotive sector.
The sugar on the top was Yahoo !, acquired for only $ 4.8B. the top is its billion unique monthly users including 60% on mobiles, and its advertising network. This complements the acquisition of AOL, Yahoo being intended to integrate it.
Visteon Demonstrates Augmented Reality Driving Experience and Latest Head-Up Display Technology at CES® 2017.
Complementing the vehicle’s HUD, embedded front-view and driver monitoring cameras trigger “smart alerts” in the form of lights and sounds when the driver is not paying attention to the road, if the vehicle strays from its lane, or if the vehicle is at risk of potentially hitting an object. For example, when a pedestrian or bicycle is present on the side of the road, an LED light projects onto the windshield within a 90-degree angle of the driver’s line of sight, giving a visual alert without the driver needing to turn his or her head.
Two onboard cameras look at the front of the car (a video for the demo),
detect obstacles and alerts the driver via a HUD.
* * * * *
Example of SafetyNex Risk Profiles Data
See below an example of Risk Profile Data Nexyad is able to give to their customers. SafetyNex provides Eco Driving profiles data, and usages profiles (Kms, date, hours, kind of roads, etc…) all of these can be crossed with Risk Profiles.
Risk profiles estimated by SafetyNex: Analysis of profiles, and possible use to detect fatigue and hypovigilance of driver.
SafetyNex is a nomadic real-time risk estimation system. The system has been described in detail in previous publications [1] and uses the key concept of « near-accident » or « quasi-accident », and is a result of 15 years of collaborative research with road safety experts and researchers.
The main competitive advantage of SafetyNex is that it allows, since the risk is estimated in real time,
to warn the driver (vocal alert), and thus to allow driver to avoid accident. Studies show that SafetyNex can reduce accident rate by 20% [2], which represents for insurers and fleet managers a consequent increase in margin [3].
But of course, SafetyNex also records usage and risk profiles. These profiles provide the behavior of the driver, or more precisely, his/her ability to regulate driving task consistently with danger. No need to record large volumes of data (accelerations, etc…) which in reality are not data (these are signals) for a possible back-office analysis, SafetyNex provides exactly the interesting data [4].
Below are examples of usage profiles and driver risk profiles.
Nexyad invited to the 4th « Les rencontres du Fleet Management »
Last thursday 26th of january 2017, Gérard Yahiaoui CEO of Nexyad participated to a panel debate in Paris near Les Champs Elysées. He was invited as road safety telematics expert. Marie-Amélie Fenoll journalist at Decision Achats animated the discussion between other speakers : Jean-Yves Marie Rose of Ademe, Julien Honnart of Wayzup, Didier Blocus of ALD Automotive France, Edwin Colella and Alain Sinquin of Octo Telematics.
Fleet Management faces numerous problems and stakes in terms of safety, monitoring of drivers, training and loss costs. Gérard Yahiaoui presented SafetyNex App risk assessment in real time, that warns the driver before danger and gives individual and global risk profiles and usage profiles. An API of SafetyNex will be available very soon to integrate in any device. SafetyNex use allows to reduce accident rate by 20%.
from the left Marie-Amélie Fenoll, Edwin Collela and Gérard Yahiaoui
* * * * *
NEXYAD new award :
Champion SME (PME championne) of the French cluster MOV’EO
NEXYAD is proud to announce that MOV’EO selected NEXYAD to be one of their CHAMPION high tech SMEs
(PME championne du pôle de compétitivité MOV’EO).
« We are very proud to get this award from MOV’EO that works hard for high tech SMEs development » said Gerard YAHIAOUI, CEO of NEXYAD. « We participated to the MOV’EO mission at CES 2017 in LasVegas, with Business France, and for us, it is already a success ». « This new award will give us more exposure and for a High-Tech SME it is always a good thing ».
« Nous sommes très fiers d’obtenir cette récompense de MOV’EO qui œuvre pour le développement des PME de hautes technologies dans le secteur de la mobilité. Nous avons participé à la la mission CES 2017 à Las Vegas, avec Business France, et pour Nexyad, c’est déjà un succès. Cette nouvelle récompense nous apporte plus d’exposition et pour une PME de High-Tech c’est toujours une bonne chose. » a déclaré Gérard Yahiaoui le P-DG de Nexyad.
* * * * *
Interview of Mov’eo and Nexyad by AutoK7
Nicolas Dattez from french competitivity cluster MOVEO and Gérard Yahiaoui CEO of Nexyad talk about their experience of CES in Las Vegas with Christophe Bourroux for RadioK7 « Voice of Mobility »
« We are stronger at ten to push heavy doors ! »
(Click to play)
* * * * *
New Update for Nexyad Modules RoadNex (Road detection) & ObstaNex (Obstacles Detection)
Nexyad development team work hard to give updates and new functionnalities to its ADAS modules. See Below an example of road detection with the last update on RoadNex:
Cluster « Groupement ADAS » Launched the october 18th first ADAS Morning co-organized with MOVEO in Paris.
Thema was ADAS and Road Safety : to discuss challenges, solutions and opportunities with many specialists personalities in the field in front of a large audiance.
NEXYAD Automotive & Transportation Newsletter #12, October 6th, 2016
SafetyNex the Revolutionary App of Road Safety
Headlines :
– Nexyad on BMW booth at the Mondial de L’Automobile
– The SafetyNex Revolution for everyone
– Papers about SafetyNex
– Visit of BMW Startup Garage
– Important Release of ObstaNex : our Obstacles Detector for ADAS
– French Minister Ségolène Royal congrats SME’s
– Nexyad researcher speaker at Brussels
– Nexyad in Media
Nexyad on BMW booth at the Mondial de L’Automobile
NEXYAD was invited by BMW on BMW booth at Mondial de l’Automobile Paris 2016, october 5th, .
After have been choosen as one of the three winners of BMW Techdate Challenge 2016. Up left: presentation of SafetyNex by Nexyad; up right: Serge Naudin, CEO BMW Group France, Gérard Yahiaoui, CEO Nexyad. Down left: the fabulous BMW i8
Thanks to BMW for this amazing event
BMW gave the opportunity for three innovative french startups to present their technologies on the business lounge on BMW booth. Serge Naudin, CEO of BMW Group France made a speech that remains the goal of the challenge BMW techdate that bring the winners to BMW Startup Garage in Munich (two weeks ago). He congratulated Nexyad, Oridao and Sentryo and introduced each of them to a bench of selected journalists.
Gérard Yahiaoui presented SafetyNex (that reduces accident rate by 20%) Nexyad onboard App of Risk assessment for driver, then he answered the questions and received several invited customers and partners.
Reminder : BMW Techdate wished to push ahead the french innovative high tech and identify new partners for technology matters. After a picky skimming, 20 startups were selected to present their project in front of a professional panel of Automotive, mobility, and connected car experts.
The quality of SafetyNex impressed the jury and the 9th june, BMW France announced Nexyad as part of the 3 winners of the first Techdate Challenge with Oridao and Sentryo.
Interview of Nexyad CEO, Gérard Yahiaoui, by Laurent Meillaud at Mondial de l’Auto TV
The SafetyNex Revolution for everyone
SafetyNex, une App SmartPhone qui révolutionne le monde de l’automobile : véhicules intelligents, assurance auto, gestion de flottes, utilisation du digital pour le retail
SafetyNex is a Samartphone App developed and sold by NEXYAD, it’s allows to reduce Accident Rate by 20% [1]. This App has a straight applied interest for several users.
– Driver
– Insurance Company
– Car Manufacturer
– Fleet Manager
– Big Retailer
SafetyNex is the ultimate SmartPhone App for real time onboard driving risk assessment.
See how it works and how SafetyNex can reduce accident rate by 20% with respect for driver’s privacy.
Just read all the papers (available both in English and En Français) and feel free to contact NEXYAD for any question : sales@nexyad.net
Note : NEXYAD will present SafetyNex on the BMW booth at MONDIAL de L’AUTO, in Paris, the 5th of October (*)
(*) SafetyNex was selected by BMW during the BMW Tech Date Challenge in Paris in June 2016.
NEXYAD was received by BMW in Munich last week.
From an initiative of BMW France, we were invited in the heart of BMW with two other Laureats of BMW Tech_date : ORIDAO and SENTRYO.
The BMW Startup Garage is a special department of BMW that seek for innovative SME’s to work with.
The program was pretty complete with presentation of SME’s and their products to an audience of chosen BMW teams, visits of BMW Welt (show room), BMW Museum, and BMW plant.
We were very impressed by the welcome of everybody, specialy from Startup Garage !
We want to thank again Carolina, Gregor and Matthias.
Next meeting october 5th on BMW Booth at Mondial de l’Automobile Paris 2016.
BMW Techdate Winner Teams, Nexyad, Oridao and Sentryo
Important Release of ObstaNex : our Obstacles Detector for ADAS
New Release of Nexyad ObstaNex v3.0
This new version included pattern recognition and tracking, and new management of camera model of with a special component that allows multiple camera models on a same RT-Maps diagram.
Applications are ADAS (Advanced Driver Assistance Systems) and Driverless Car, but also Road Safety.
ObstaNex v3.0 : Obstacles Detection for ADAS (here filter on vehicles detection)
French Minister Ségolène Royal congrats SME’s
September 28th, in Paris, Madame Ségolène Royal, french Minister for Ecology, Sustainable Development and Energy gave « Initiative SME’s » Prices from ADEME (French Environment & Energy Management Agency).
Nexyad concourrait dans le cadre du projet SEMACOR (portage de SafetyNex sur les smartphones).
Merci à l’ADEME. the laureates of « Innovative SME’s »
French Minister Ségolène Royal, Gérard Yahiaoui, Nexyad CEO
Nexyad researcher speaker in Brussels
Smart Systems for the Automobile of the Future Brussels, 22-23 September 2016
Nexyad researcher Grégoire Julien, Dr Physics at Ecole Normale, presented a scientific publication at 20th International Forum on Advanced Microsystems for Automotive Applications (AMAA 2016).
« FUNCTIONAL SAFETY: ON-BOARD COMPUTING OF RISK OF ACCIDENT »
Grégoire Julien, Pierre Da Silva Dias, Gérard Yahiaoui
One can also find the paper in « Advanced Microsystems for Automotive Applications 2016 » published by Springer 2016
Nexyad in Media
Ces trois start-up françaises qui ont séduit le groupe BMW
Trois start-up françaises, sélectionnées parmi 80 dossiers de candidatures, se sont vu ouvrir les portes du groupe BMW à Munich.
October 5th, on the BMW stand at Mondial de l’Automobile Paris 2016.
BMW gave the opportunity for three innovative french startups to present their technologies on the business lounge on BMW booth. Serge Naudin, CEO of BMW Group France made a speech that remains the goal of the challenge BMW techdate that bring the winners to BMW Startup Garage in Munich (two weeks ago). He congratulated Nexyad, Oridao and Sentryo and introduced each of them to a bench of selected journalists.
Gérard Yahiaoui presented SafetyNex (that reduces accident rate by 20%) Nexyad onboard App of Risk assessment for driver, then he answered the questions and received several invited customers and partners.
Serge Naudin, CEO of BMW Group France & Gérard Yahiaoui, CEO of Nexyad
BMW Tech_Date : les 3 startups gagnantes présentent leurs technologies innovantes au Mondial de l’Automobile à Paris.
Les gagnants du concours sont accueillis dans l’espace BMW sur le Mondial à Paris et bénéficient ainsi d’une forte visibilité.
Les startups lauréates ont aussi été reçues à Munich par les équipes de BMW Group du 19 au 23 septembre autour d’un programme personnalisé.
BMW met le projecteur sur l’excellence des startups françaises et leur rôle dans la mobilité de demain.
Paris, 5 octobre. Les trois startups gagnantes de la première édition du BMW Tech_Date ont été accueillies ce jour par BMW Group au Mondial de l’automobile pour présenter leurs technologies innovantes primées lors du concours le 9 juin dernier:
Nexyad pourSafetyNex, un logiciel d’estimation embarquée du risque de conduite ; Oridao pour Radiobus, une technologie de mise en réseau instantanée des véhicules avec des objets connectés ; Sentryo pour ICS CyberVision, une solution de cybersécurité pour l’internet industriel.
SafetyNex is a smartphone application developed and marketed by NEXYAD and which reduces by 20% the number of road accidents [1]. This application is of direct interest to many application targets.
– Driver
– Insurance Companies
– Car Manufacturers
– Fleet Managers
– Mass Marketers
Le 28 septembre 2016 à la Maison de la Chimie, Ségolène Royal, Madame la Ministre de l’Écologie, du Développement durable et de l’Énergie a remis les prix aux lauréats « Initiative PME » de l’ADEME.
SafetyNex, une App SmartPhone qui révolutionne le monde de l’automobile : véhicules intelligents, assurance auto, gestion de flottes, utilisation du digital pour le retail
SafetyNex est une application Smartphone développée et commercialisée par NEXYAD, et qui permet de réduire de 20% le nombre d’accidents de la route [1]. Cette application présente un intérêt applicatif direct pour de nombreuses cibles.
– Le conducteur
– L’assureur automobile
– Le constructeur automobile
– Le gestionnaire de flotte auto
– Le grand distributeur
SafetyNex is the ultimate SmartPhone App for real time onboard driving risk assessment.
See how it works and how SafetyNex can reduce accident rate by 20% with respect for driver’s privacy.
Just read all the papers (available both in English and En Français) and feel free to contact NEXYAD for any question : sales@nexyad.net
Note : NEXYAD will present SafetyNex on the BMW booth at MONDIAL de L’AUTO, in Paris, the 5th of October (*)
(*) SafetyNex was selected by BMW during the BMW Tech Date Challenge in Paris in June 2016.
I – ONBOARD TELEMATICS AND AUTO INSURANCE : REMINDER
Onboard telematics now can measure behavior of a driver, and therefore, car insurers have early started this adventure of connected car, more or less successfully.
The simplest applications that have been deployed are:
. locate stolen vehicles
. measure the usage of the driver, and in particular the number of kilometers traveled in order to propose adaptive pricing (vehicle that always stays in a garage will never have an accident!)
But the main business of the insurer deals with the concept of risk, and then, we have seen a lot of telematics firms proposing automatic detection of risky behaviors. The most common is the so-called detection of « severe braking », which is based on the assumption that severe braking reveals a lack of anticipation, and thereby a dangerous driving. We now know that this assumption is totally false [1], but it is still in the mind of some insurers that « want to believe » there is a simple way to classify human beings behaviours. However, the lack of results of these deployments has led some German and US insurers to abandon Telematics [2].
As part of the challenge BMW Techdate, last june, Nexyad is invited to visit BMW facilities and to share with their researchers in Munich.
BMW Headquarters
Indeed, as a reminder, Nexyad is one of the three winners of this challenge organized by BMW France to honor the French technology innovations : we had been presented our Onboard Risk Assessment App on smartphone : SafetyNex that measures risk taken by the driver. Gérard Yahiaoui our CEO participated at this time with Serge Naudin President of BMW France to a TV Show on BMF Business.
Then Nexyad team will fly monday to the capital of Bavaria for a stay of four days.
We already want to thank BMW for this opportunity.
I – TELEMATIQUE EMBARQUEE ET ASSURANCE AUTOMOBILE : RAPPELS
La télématique embarquée permet de mesurer en situation le comportement d’un conducteur, et de ce fait, les assureurs auto se sont assez tôt lancés dans l’aventure, avec, il faut le dire, plus ou moins de succès.
Les applications les plus simples qui ont été déployées sont :
. localiser les véhicules volés
. mesurer les usages du conducteur, et en particulier le nombre de km parcourus pour proposer des tarifs au km (un véhicule qui ne roule jamais n’aura jamais d’accident !)
Mais le métier principal de l’assureur tourne autour de la notion de risque, et assez vite, on a vu des tentatives de détection automatique des comportements à risque. Le plus répandu est la détection des « freinages sévères », qui s’appuie sur l’hypothèse selon laquelle un freinage sévère révèle un manque d’anticipation, et par là-même une conduite dangereuse. Nous savons maintenant que cette hypothèse est totalement fausse [1], mais elle est encore présente à l’esprit de pas mal d’assureurs.
Le manque de résultats de ces déploiements a d’ailleurs conduit des assureurs allemands et américains à abandonner la télématique [2].
. SafetyNex est une App Smartphone qui se vit par les conducteurs comme étant un véritable copilote digital : alerte en amont d’une difficulté dès lors que la vitesse excessive du véhicule montre clairement que le conducteur n’a pas identifié le danger. SafetyNex remonte périodiquement aux assureurs des profils d’usages et de risque.
. Les utilisations prévues de SafetyNex par les compagnies d’assurance sont :
– Augmentation de la marge opérationnelle de l’assureur : SafetyNex peut permettre d’éviter 20% des accidents de la route d’après les études publiées en Grande Bretagne et aux USA. Si la compagnie d’assurance déploie SafetyNex à primes constantes : elle offre à ses assurés, un outil perçu comme utile, et elle baisse l’accidentologie de 20%. Par ailleurs, les accidents non évités arrivant statistiquement moins vite (puisque le conducteur est prévenu en amont, il a le temps de ralentir), la sinistralité est plus faible. Cela s’applique à l’ensemble des conducteurs, y compris les jeunes conducteurs qui coûtent cher aux assureurs. Cet effet sur la marge ne demande aucun travail particulier à l’assureur.
– Pay as you drive : les usages sont tracés (km parcourus, tranches horaires, type d’infra Ville/Route/Autoroute, etc…) ce qui permet de proposer des tarifs à l’utilisation.
– Pay how you drive : le risque pris par le conducteur est mesuré, et permet à l’assureur d’ajuster ses segmentations de clientèles et ses tarifs s’il veut proposer des tarifs modulés par le risque.
– Prime écologique : SafetyNex intègre en option un système de calcul de l’éco-conduite qui est inversement proportionnel à la brutalité de la conduite.
– Prévention : les profils de risque peuvent être croisés avec des causes de risque (vitesse inadaptée en virage, sur croisement, sur zones piétonnes, etc…) si bien qu’il est possible de proposer des sensibilisations, stages, et formations ciblés sur une population.
– Silver coaching : le suivi des risques dans le temps peut permettre de déceler une baisse d’aptitude à la conduite chez les séniors. Dans ce cas, l’assureur peut intervenir pour aider son client à baisser son risque tout en restant conducteur le plus longtemps possible.
– Assistance : en cas de choc sévère, le smartphone propose un « gros bouton » OK permettant d’appeler en un clic un numéro de téléphone préenregistré par l’App.
NB : SafetyNex s’inscrit parfaitement dans les évolutions du métier de l’assureur, telles que présentées dans les publications de synthèse des cabinets de Consulting de renommée mondiale (Accenture, BCG, Deloitte, KPMG, McKinsey, etc …)
SafetyNex ne remonte AUCUNE donnée brute et/ou indiscrète (compatibilité CNIL à 100%). Toutes les données brutes, nécessaires aux calculs, sont utilisées DANS le smartphone (calculs sur le microprocesseur du smartphone) et non stockées.
SafetyNex a été validé sur 50 millions de km.
Les données remontées dans le cloud sont des histogrammes (profils) et tous les croisements des variables :
. usages : km parcourus, ville/route/autoroute, tranches horaires, zone géographique (département)
. risque (histogrammes et grandes catégories de risques)
. note éco (en option)
. SafetyNex is a Smartphone road safety App that works like a true digital co-pilot : warning the driver when approaching a dangerous area, once the excessive speed of the vehicle clearly shows that the driver did not notice the danger. SafetyNex records for insurers profiles of risk and usage.
. Insurance Companies can use SafetyNex for several purposes :
– Increase operating margin of the insurer
SafetyNex can prevent 20% of road accidents according studies published in Great Britain and the USA. If the insurance company deploys SafetyNex with no premiums change : it offers a tool to its policyholders perceived as useful, and it decreases the accident of 20%. Moreover, accidents that may not be avoided come statistically slower (because the driver is warned and has time to slow down), the loss ratio is lower. This applies to all drivers, including young drivers that are costly to insurers.
– Pay as you drive: usages are plotted (km traveled, type of infra City / Highway / Highway, time slots, etc …) allowing to offer per-use rates.
– Pay how you drive: the risk taken by the driver is measured, and allows the insurer to adjust its client segmentation and its prices if it wants to offer rates modulated by the risk.
– Ecological bonus: SafetyNex incorporates an optional eco-driving scoring system that is inversely proportional to the brutality of driving.
– Prevention: the risk profiles can be crossed with class of risk (inappropriate speed cornering, on crossing over pedestrian zones, etc …) so it is possible to provide sensitization, courses, and targeted training on a population.
– Silver coaching: risk monitoring among time may help to detect a decline in driving ability for seniors. In such a case, the insurer may act to help its customers to lower their risk while staying as long as possible a driver.
– Support: in severe crash, the smartphone pops up a « big OK button » for calling in one click a phone number prerecorded by the App.
NB: SafetyNex fits perfectly with deep changes in the car insurance business, as presented in publications of Major Consulting Groups (Accenture, BCG, Deloitte, KPMG, McKinsey, etc …)
SafetyNex doesn’ record any raw data and / or intrusive data (100% CNIL and privacy protection compatibility). All raw data required for risk assessment are used INSIDE the smartphone (computing on the microprocessor of the smartphone) and those raw data are not recorded.
SafetyNex was validated on 50 million km.
Data recorded in the cloud are histograms (profiles) and all crossings of variables:
. usage : kilometers traveled, city / highway / motorway, time slots, geographical area (department)
. risk (histograms and broad risk categories)
. Eco rating (optional)
1 – Role of the insurer
The insurance idea would have appeared on the occasion of the first great journey by boat, and the appearance of « modern » insurance is generally dated from the 19th century.
The principle of insurance is easy to understand : if accidents are rare (compared to the number of occurrences – travel, car trips, etc.), a simple and prudent idea then is to « put aside » a certain amount of money for each occurrence (which on average does not lead to an accident) and to use the money to repay the cost of the claim in case (rare) of accident.
One could imagine that individuals manage themselves each a « pot » of this type. Of course, even if an accident is rare, you never know when it happens and it may happen at any beginning of the process so that the pot is almost empty.
We could then easily make a common pot between several people, to smooth it : if three people make a common pot, it is unlikely that the three have an accident while starting hoarding. But… it is anyway possible. Although if the pot is conceived with hundreds of thousands of people there, you secure the problem of « instant » of the accident. This is the « law of large numbers », which allows a deterministic modeling of chance : the odds. It remains to define the amount of money to set aside each month for example (or each travel).
To handle this (a pot shared by hundreds of thousands of contributors, the estimated sum to put aside, etc…), it is obvious that it is necessary to have qualified personnel, sufficient… and finally, it happens naturally to the idea of the Insurance Company.
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from the left Marie-Amélie Fenoll, Edwin Collela and Gérard Yahiaoui
