Discovery Insure & Gautrain PARTNERSHIPS THAT WORK
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- Buddy Joseph McKinney
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1 Discovery Insure & Gautrain PARTNERSHIPS THAT WORK 1
2 South African roads are dangerous Our roads are amongst the most dangerous The costs are too high Road deaths per population (2014) South Africa Brazil A road accident fatality occurs once every 38 minutes India China Russia USA Estimated cost of all road accidents to RSA economy: 7.8% of GDP (R307bn) UK Source: Source: Transport-Dpt 2
3 Discovery s core purpose Make people healthier and enhance and protect their lives Creating a nation of great drivers 3
4 Discovery Insure is An insurer that protects people and their possessions, offering them the most comprehensive and innovative insurance at the lowest long-term cost, by using powerful incentives and telematics technology to reduce risk Through improved driving behaviour and advanced safety features, Thereby creating great drivers and safer roads for all. 4
5 Vitalitydrive s Shared Value Model R800 Up to of their Gautrain spend back every month Our clients get real rewards for driving well Client Our clients drive better Smartphone-enabled DQ-Track clients reduce their accident risk by 15% within the first month Partners and society Insurer Our roads are safer Relative loss ratio Best drivers Worst drivers 0% 20% 40% 60% 80% 100% 5
6 Enabled by DQ-Track App Sensor Bluetooth low energy Safety Features Panic button Weather Alert Impact Alert 24/7 Call Centre and Ambulance Dispatch Discovery Insure app ios & Android 6
7 Over 4.5bn kms of driving data confirms better drivers have fewer accidents better drivers have less severe accidents Relative number of car accident claims by Vitalitydrive Status (Poor drivers: Base & Neutral; Good drivers: Engaged & Advanced) Relative average car accident claim amount by Vitalitydrive Status (Poor drivers: Base & Neutral; Good drivers: Engaged & Advanced) Base Neutral Engaged Advanced Base Neutral Engaged Advanced Discovery insure 2015 driver behaviour statistics 7
8 Unique technology-enabled safety features 8
9 Partnerships are key for behaviourial change Technology DQ-Track Fuel rewards Up to 50% of fuel spend every month Active Rewards Weekly for 100km of event-free driving DQ-Track measures driving behaviour. Clients get a DQ (Driver Quotient) score directly linked to their claims risk. Clients can get up to R800 back each month based on their Gautrain or fuel spend and DQ score, in the form of a cashback. Every week, clients can get a coffee, smoothie, parking or car wash voucher for driving well, funded by risk savings. 9
10 Gautrain & the Shared Value Model CLIENT R800 Up to of their Gautrain spend back every month Lower insurance costs Increased leisure time due to less time spent in traffic Client GAUTRAIN Increased commuter volumes SOCIETY Safer roads Less traffic Lower carbon emissions Less fatalities Partners and society Insurer DISCOVERY INSURE Less driving which leads to lower risk Improved underwriting results Relative loss ratio Best drivers Worst drivers 0% 20% 40% 60% 80% 100% 10
11 Gautrain Benefit Uptake & Cashbacks Client Take-Up of Gautrain Benefit Gold Cards linked to benefit clients registered Sept 2014 Sept 2016 Cashback paid to Gautrain clients R12m returned to clients Sept 2014 Sept
12 Driving Performance Gautrain users are better drivers and have 14% fewer accidents 13% 14% Accident Risk Non-Gautrain Gautrain Non Gautrain Gautrain 12
13 Daily Gautrain Usage 13
14 Other partnership examples DriveMe benefits Up to 25% discount TWT Annual Multipoint Checks Clients with Vitalitydrive and Discovery Card get up to 40% off Over Annual Multipoint Checks completed 36, driving between 23:00 and 04:30 when your risk of being in an accident is 10 times higher than any other time of day --- Clients using Uber 64% have reduced their late night driving by Mandy, from Johannesburg (2013) my car s rear wheels to the axle was loose, and at high speed the wheel could have loosened, possibly causing a fatal accident I m scared to imagine what would have happened. Discovery Insure potentially saved my life. 14
15 A force for social good, ChildSafe Making travel to school safer for children, every day 400 drivers have joined the program since 2014 Good drivers could win a new Minibus Since inception, Discovery Insure have assisted by supplying: 4% new batteries Sets of seatbelts 4% new jacks 28% fire extinguishers ChildSafe drivers vs CPT drivers 87% better 92% better Acceleration Cornering 100% DQ Track devices 26% new tyres 31% new triangles 64% eye glasses 25% better 25% better Braking Speeding Potential opportunity to partner with local government to grow the program further 15
16 Shared Value for all Telematics technology + = Strategic Partnerships & Rewards Shared Value 16
17 Thank You 17
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