Ahead of the Telematics Insurance Europe Private Auto & Fleet 2015 Congress we spoke to Laurianne Krid, Policy Director at the FIA, where she addressed: > What is the criterion that defines personal data? > What is the legislative framework around data? > What are the barriers insurance providers face when introducing the value of telematics? > What consumer approaches to data sharing need to be understood? Discover more here http://www.auto-telematics-insurance-europe.com/

1. www.auto-telematics-insurance-europe.com
In your opinion, what is the
criterion that defines
personal data?
Personal data means any data that
can be linked directly or indirectly to a
natural person. In our society, a growing
amount of data can be gathered on
every individual. Linked together, the
data can provide accurate information
about behaviour, preferences and is
therefore considered valuable for many
market players. The vast amount of data
being gathered by all entities – from web
providers to mobility companies – is
increasing people’s sensitivity to data
protection. A recent Eurobarometer
shows that two thirds of citizens are
concerned that they do not have
complete control over the data they have
to hand over on the Internet. While 71%
PRE-CONGRESS SPEAKER INTERVIEW
of respondents believe that “providing
personal information is an increasing
part of modern life”, 52% of respondents
indicated that they did mind handing over
data in exchange for free services
What is the legislative
framework around data and
how will this impact insurance
providers?
At European Union level, the current
legislation dates back from 1995 and is
therefore under revision. The legislation
sets outs some rules for the processing of
personal data, in order to protect people’s
rights. It is based on the principles of:
Transparency - people should
know when and how data is being
processed and consent or the
necessity of the process should be
ensured.
Legitimate purpose
Proportionality - Personal data
may be processed only insofar as
it is adequate, relevant and not
excessive in relation to the purposes
for which they are collected
The landscape has changed drastically
since the Directive was enacted in the
early 90s. The exponential growth of
data – including telematics data from
vehicles called for a good overhaul of
the legislation. The notion of consent
and transparency are at the heart of the
heated discussions between the Member
States and the European Parliament on
future regulation.
The new Regulation will impact insurers in
two ways:
As businesses, customer databases
and marketing strategies will have
to comply with the new data
protection rules
29th
- 30th
September 2015 | London | UK
LaurianneKrid
PolicyDirector
FIA

2. Organised by
PRE-CONGRESS SPEAKER INTERVIEW
M Follow us @AutoTelematics
Telematics penetration in newer
vehicles will provide potential new
data sources on driver behaviour.
The challenge for the industry will be
to develop attractive products, to
encourage users to share their data.
What consumer approaches
to data sharing need to be
understood to determine the
types of data consumers are
willing or adverse to share?
As we have seen above, consumers
seem to accept that data sharing is
a new currency, but do not feel fully
confident about their actual leverage
on data sharing. At the FIA Region I we
believe that the key to unlock telematics
potential is empowering drivers with
their data. This means giving them the
opportunity to choose what data they are
willing to share in a free market.
Making sure that in-vehicle telematics
allow for the development of a variety of
safe and certified applications is crucial to
ensure that consumers get the best deal
in exchange for their data. It is our opinion
that a forced shift to data sharing cannot
be successful, nor could a solution
whereby only one player dominates
the market.
In your opinion, what are the
barriers insurance providers
face when introducing the
value of telematics?
Telematics will progressively deploy in
new vehicles. Insurance providers will
in our view need to propose innovative
products alongside more traditional ones
to cater for the whole market.
The variety of telematics systems offered
today by manufacturers could also be
a challenge, since it would mean that
insurance companies would have to
develop tailor-made offers for each
vehicle brand.
What are potential ways to
address them?
An open standardised, interoperable
platform could solve part of the issue.
In this scenario, that the European
Commission will be investigating by June
2017, service providers could propose
telematics services according to given
specifications and get them certified.
Once the certification is achieved,
applications would be offered to
consumers via their onboard display.
What objectives are you
looking to meet by attending
the congress?
I’m keen to learn more about how
the insurance industry is looking at
telematics. FIA Region I spends a lot of
time on connectivity, mobility as a service
and increased autonomous driving
features. I’m keen to get some insights
on how the insurance industry plans to
tackle these upcoming challenges.
Summing up your thoughts
Laurianne, give the industry 3
top reasons why they should
register to attend if they
haven’t already?
Share ideas about exciting new
developments
Get some insights in the legislative
framework that will shape future
business opportunities
www.auto-telematics-insurance-europe.com
RESEARCH PARTNER:
CO-SPONSORS:PARTNER SPONSOR:
BRING YOUR TEAM &
RECEIVE UP TO *
20% OFF
3 Delegates: *10% OFF (Discount code: GROUP3)
4 Delegates: *15% OFF (Discount code: GROUP4)
5+ Delegates: *20% OFF (Discount code: GROUP5)