The use of driver telematics will become much more widespread over the next few years.
The technology, which includes "black boxes" fitted to cars, has also been rolled out via mobile apps, helps to monitor real driving behaviour.
"Telematics can potentially help people to significantly improve their driving and reduce their risk of crashing by identifying risky types of driving - such as sharp acceleration or braking, speeding and sharp cornering - and then providing advice to drivers on how to drive more smoothly and safely."
Kevin Clinton, RoSPA's head of road safety
Using telematics within an insurance policy that rewards drivers for safer driving provides a powerful incentive for people to improve their driving skills.
What is RoSPA doing?
RoSPA has published a policy paper, Road Safety and In-vehicle Monitoring (Black Box) Technology (PDF 371kb)
To further investigate and evaluate the potential uses of telematics, RoSPA is working in partnership with MyDrive Solutions, an insurance telematics specialist.
The exclusive agreement gives MyDrive unprecedented access to a group of RoSPA advanced drivers, into whose cars it has installed its Dynamic Drive Recorder to collect second-by-second driver-analysis information. The data collected is being used to develop a profile of an advanced driver, against which the driving styles of MyDrive technology users can be compared on an ongoing basis. Insurance firms will then be able to set premiums based on the accurate level of risk presented by individual drivers.
"With help, most people can improve their driving, and given the information on where they are falling short of safer driving, coupled with the incentive of a dramatically lower insurance premium, people can adapt their style with the benefit of reducing the accident rate. For too long, the insurance industry has had no real data to help them differentiate premium levels on the basis of safer driving skill. Our partnership with MyDrive will remedy this and help us to fulfil our mission of saving lives and reducing injuries."
Frances Richardson, RoSPA's operations director
"In building our capability, we were conscious that we had to have a credible, objective benchmark against which we could measure driver capability. After all, this measurement and conclusion will have a direct impact on the premiums drivers pay for their insurance and we were keen to ensure that our detailed assessments were of the highest quality."
Linden Holliday, chief executive of MyDrive Solutions
You can read more about the partnership in the News & Press section of our website.
The partnership also sees us working with MyDrive Solutions in Scotland on a project, funded by the Scottish Government, investigating the use of black boxes to monitor and improve the "at-work" driving of young people.
The aim of the pilot project is to identify how employers in Scotland can best make use of black boxes to help keep their staff and other road users safe. Not only will this help the employer meet part of their responsibility to manage occupational road risk, but it will also improve the efficiency of the business by reducing accidents, fuel and other costs. This is the first research of its kind in Scotland and the results will be used to promote the benefits of the technology and will act as a drive to encourage other employers to adopt it.
"By monitoring driving every second, we can develop a detailed picture of the real-life driving habits of young at-work drivers. This black box technology then allows the risk to be assessed very easily and accurately. Information gathered can not only help to motivate drivers and encourage better driving, but also to improve the reputation of the company and help reduce costs."
RoSPA Scotland road safety officer
"We are very proud to be supporting RoSPA in this important pilot because, for the first time, multiple techniques will be tested objectively to find the very best ways to encourage young drivers to drive more responsibly, all based on telematics driver feedback."
Richard Jelbert, product director, MyDrive Solutions
You can also read more about this project, and how to take part, in the News & Press section of our website.
Drivers who want help with improving their driving can find out more about RoSPA Advanced Driving at www.roadar.org.