保險公司提供5%折扣給使用AP的Tesla車主 - 汽車

原文連結：

https://goo.gl/V7XCRb

原文內容：

Tesla Autopilot: Insurer offers a 5 percent discount for drivers using Tesla’
s driver assist system


Earlier this year, Tesla said that it was working with insurers in order for
them to better understand features like the Autopilot.

今年稍早，Tesla表示正與保險公司合作，讓他們更了解AutoPilot等功能。

Now, a major insurer announced that they are offering a 5 percent discount
for drivers using Tesla’s driver assist system.

現在一家主要的保險公司提供5%折扣給有在使用輔助系統的Tesla車主。

Britain’s largest motor insurer Direct Line confirmed to Reuters that they
are offering the discount to encourage the use of Autopilot.

英國最大的汽車保險公司Direct Line向路透社證實，這折扣是為了鼓勵使用AutoPilot。

Dan Freedman, Head of Motor Development at Direct Line, said:

“At present the driver is firmly in charge so it’s just like insuring other
cars, but it does offer Direct Line a great opportunity to learn and prepare
for the future,”

Direct負責人Dan Freedman說：
"目前駕駛依然牢牢掌握車子的控制權，所以就跟其他車輛沒什麼不同，
但這確實給了Direct Line一個為將來學習與準備的好機會。"

It’s the second company to announce a similar initiative after a startup
insurance company called ‘Root’ made a similar claim in the US earlier this
year.

在今年早些時候，一家名為“Root”的新創保險公司在美國發布類似的聲明之後，
這是第二家宣布類似舉措的公司。

The discounts come after Tesla’s crash rate was reportedly reduced by 40%
after the introduction of Autopilot based on data reviewed by NHTSA.

根據NHTSA的研究資料顯示，採用AutoPilot的Tesla車輛可以降低40%的事故率。

Earlier this year, data came out suggesting that some Tesla owners were
paying higher than average premiums. Tesla CEO Elon Musk said that the
insurers weren’t competitive and suggested that Tesla owners paying higher
premiums simply change insurers.

今年稍早，有份資料顯示，一些Tesla車主支付比平均更高的保費。
Tesla CEO Elon Musk說，這樣的保險公司沒有競爭力，
並建議付了更高保費的Tesla車主更換保險公司。

But he also said that they will be working more closely with them to make
sure the rates are fair – especially with the advent of autonomous driving
and active safety features in Tesla’s vehicles.

不過Elon也表示要與這些保險公司更密切的合作，以確保保險費率是公平的。
- 特別是隨著在Tesla車輛中的自動駕駛與主動安全功能到來。

Musk added:

“Not to the exclusion of insurance providers but if we find that insurance
providers are not matching the insurance proportionate to the risk of the
car, then if we need to, we will in-source it. I think we will find that
insurance providers do adjust the insurance cost proportionate to the risk of
a Tesla.”

Musk補充說：
不是要將保險公司去除，但如果我們發現保險公司提供與車輛風險不匹配的保險的話，
如果有必要，我們將會內包這項業務。
我想我們會找到願意根據Tesla車輛風險而調整費率的保險公司。

Tesla also started working on a new car insurance program under its own brand
and underwritten by other insurers. Last year, we published an exclusive
report revealing the program when Tesla quietly launched it in Australia and
Hong Kong.

Tesla還開始在自己的品牌下開展一項新的汽車保險計劃並由其他保險公司承保。
去年，我們發表了獨家報導揭示了Tesla在澳洲和香港悄然推出該計劃的情況。

Recently, the automaker expanded the program to several more countries,
including in the US and Canada.

最近，Tesla把這個項目擴展到了更多的國家，包括美國和加拿大。


心得/說明：

更安全的車繳更少的保費是相當合理的

以NHTSA的資料來看，(正確的)使用AP可以降低40%事故率是一個非常明顯的差別

如果比較安全的車輛卻要跟其他相對不安全的車輛繳相同的保費那是一件不公平的事情

不只是Tesla的車輛，如果經過驗證顯示搭載某功能或主動安全功能的車輛能有效降低

事故率的話，那麼這些車輛都應該享有更低的保費才對。

不過一般車主很難得知這類統計資訊，個人也很難做的到

最清楚的是保險業者

哪些車款會有超額利潤他們一定很了解

但沒辦法靠他們良心發現自動降保費

這就需要汽車製造商幫忙，跟政府機關合作取得資訊，然後跟保險業者協商降低保費才行

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