Interesting Links for 09-02-2012
Feb. 9th, 2012 11:00 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
andrewducker- 'The Hobbit': A Speculative Look At Where Film One Might End
- Mapping the Road Ahead for Autonomous Cars
- The high-level reports from Afghanistan do not match the view on the ground
- Antisocial Personality Disorder is made of two separate components - Agressive-Disregard and Disinhibition
- How to tell you're underworked #33 - You rickroll your professor with an acrostic in your report
- We Are Not The Dead: soldiers' faces before, during and after serving in Afghanistan
- Canada perfectly happy to outsource its torture needs to other countries.
- Apple seeks change to 'essential' patent licence rules. Good start - might get the ball rolling on changing all of them!
- Nudge theory trials get higher responses by up to 15%
- How do you fancy having your driving monitored by your GPS device (in exchange for lower premiums, of course)
I really can't see this taking off with anyone who ever goes on a motorway.
- USA moving to new system where airplanes will take off and land with GPS, using continuous descent.
- UK trade gap falls is the smallest since 2003, industrial production rises (a tiny amount)
- Laser-tag gun+smartphone = recreating "Aliens". I want to be 16 again!
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Date: 2012-02-09 11:23 am (UTC)no subject
Date: 2012-02-09 11:45 am (UTC)no subject
Date: 2012-02-09 11:48 am (UTC)no subject
Date: 2012-02-09 12:12 pm (UTC)I'm now imagining the Driving Insurance Body providing a tracking service for all of the info they collect, together with "achievements" for things like "Most miles between an emergency stop" and "Longest time between wobbling dangerously back and forth across lanes because you were waving at a mate out the window".
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Date: 2012-02-09 12:19 pm (UTC)So I think in order to match the risk to the premium period you have to do both in years.
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Date: 2012-02-09 12:33 pm (UTC)no subject
Date: 2012-02-09 02:39 pm (UTC)There's a bit of a problem with risks that don't scale in the way.
The risk of the car being stolen depends on where it is parked * units of time.
The risk of the car being in moving car accident depend on milage * skill of the driver (indicated by cumulative mileage)
Ideally I think you would like to disaggregate those and say the premium is £50 per annum for being stolen and £0.02 per mile for having a crash but I think customers might struggle with that concept.
So I think the pricing is fudged a bit in order to fit customers expectations of pricing.
I don't drive so I've never bought car insurance but I wonder if, when you fill in the forms, they ask you how many miles you drive a year and how many years since you had an accident and then work out your accident free mileage from that.
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Date: 2012-02-09 04:08 pm (UTC)Obviously if you're going to hitch a ride to Cornwall with one of them you'd want to pick the first one.
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Date: 2012-02-10 09:11 am (UTC)no subject
Date: 2012-02-09 11:45 am (UTC)no subject
Date: 2012-02-09 12:12 pm (UTC)no subject
Date: 2012-02-09 12:32 pm (UTC)no subject
Date: 2012-02-09 12:35 pm (UTC)no subject
Date: 2012-02-09 01:20 pm (UTC)As do I :->
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Date: 2012-02-09 02:32 pm (UTC)Just a touch too young for films I think but not far off.
I'll keep an eye out for it on your recommendation.
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Date: 2012-02-09 12:09 pm (UTC)Thus…
… Your insurance premium will be less if you are monitored and you are a safe driver. Aspects of automation improve your safe driver profile. Having a car that won’t let you drive like an idiot reduces your insurance premium because they link directly to the mechanism that your insurance company is using to set your premium.
Also the data the insurance companies gather about what driving practises translate into safer (or actually reduced claims) will be very interesting.
I like the feedback aspect that is available from the Insurance Sat Nav “Slow down, you’re driving like an arse. Do you know what this will do to your insurance premiums.”
Or even better “Your wife is a much better driver than you are.”
In Jeremy Clarkson’s voice.
no subject
Date: 2012-02-09 12:14 pm (UTC)no subject
Date: 2012-02-09 12:34 pm (UTC)The business insurers for my recent employers' insurance were very happy to talk to us about what made our premium what it was and how we might reduce it.
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Date: 2012-02-09 12:19 pm (UTC)Or even better “Your wife is a much better driver than you are.”
In Jeremy Clarkson’s voice.
LOVE IT!
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Date: 2012-02-09 06:34 pm (UTC)-- Steve's thinking that it'd be less useful in Sat Nav, as there's very limited navigational utility in "POWERRRRR!"
PS: I loved the Halo Easter Egg in Forza4, and the choice of narrator for it.
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Date: 2012-02-10 09:10 am (UTC)POWERRRRR!
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Date: 2012-02-09 01:18 pm (UTC)no subject
Date: 2012-02-09 01:50 pm (UTC)Lane-changing and tailgating are covered by the automated driving link above :->
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Date: 2012-02-09 02:12 pm (UTC)However, as I understand it the monitoring devices proposed monitor acceleration, so emergency stops, swerves etc. can be detected. For sure they can't detect every driving fault but those who drive more dangerously will presumably have to take avoiding action more often.
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Date: 2012-02-09 09:15 pm (UTC)no subject
Date: 2012-02-09 01:38 pm (UTC)-- Steve thinks that all information derived from torture should be discounted, if not because torture is immoral then at least because such information is less reliable than the Weekly World News.
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Date: 2012-02-09 01:46 pm (UTC)I'm amazed that people don't mention this point more often.
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Date: 2012-02-09 04:58 pm (UTC)you basically have to be insane to believe otherwise.
which makes it unfortunate that a great many of the people in a position of power to write policy on such matters are clearly bugfuck. As, I would imagine, are those willing to carry it out.
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Date: 2012-02-09 04:15 pm (UTC)If you drive on motorways in daylight you'll be cheap, if you drive in the countryside at 2am you'll be paying through the nose. The only feature of driving behaviour that will be easy to measure is speed, and even that's not being much discussed within the industry, though I imagine that grossly excessive motorway speeds or slightly excessive speeds elsewhere may be penalised. It'll be a few years before even Direct Line have built up the evidence and the claims database necessary to pick the appropriate loading for moderate speeding.
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Date: 2012-02-09 04:44 pm (UTC)no subject
Date: 2012-02-09 05:37 pm (UTC)no subject
Date: 2012-02-09 05:04 pm (UTC)absolutely unsurprising, then.
[my overall impression is that Apple have no interest in making money on their own patents - they just don't want people to copy their stuff. It is *incredible* how many people don't get that]
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Date: 2012-02-10 01:21 am (UTC)no subject
Date: 2012-02-11 01:11 am (UTC)Whyso? I've tried a few times and I can't think of a reason why motorway drivers would all object to the option to sign up to let their driving be monitored in exchange for potentially lower premiums. I mean, most people think they're above the average, don't they, and so think they're good drivers? And there are clearly a number of people who don't speed. So... could you elaborate here?
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Date: 2012-02-11 09:32 am (UTC)no subject
Date: 2012-02-12 12:19 pm (UTC)