Unlike traditional car insurance, the PAYD or "pay as you drive" insurance is highly personalized. Instead of a plan year, the insured pays only for the miles he has done.
Pay As You Drive "* This expression is English because the offer has been designed in the United States in 1996. The objective was to reduce the auto insurance customers by not making them pay the actual use of their vehicle. This new type of tailor-made insurance was particularly developed in England and Italy between 2004 and 2006. In France, the Maaf tried placing on the market in 2005. But she ran into the Computing and Freedom Commission (CNIL), the latter believing that the data transmitted by the electronic box installed on the car of the insured were too intrusive. Insurance companies therefore improve the procedure and in 2007, Axa obtains authorization from the CNIL development of PAYD in France. Today the number of insurers offer, including Amaguiz (Groupama), Axa, the Maaf, Solly Azar broker or Aviva. Pay as you drive allows the insured to pay only for the miles he has done. It may well benefit from a reduction in the rate of its auto insurance 20 to 50%. In some countries, insurers set their prices according to various parameters (miles driven, type of road used, speed ...). In France, the CNIL has imposed restrictions: most insurance companies do not take into account the distance and sometimes time of day during which the vehicle was used. The broker Solly Azar offering insurance for young drivers, for example, included in its offer for a limited night driving. Each vehicle use between one and six o'clock in the morning, the insured must pay 20 euros extra. In case of collections of data traffic over large operators, they must "not be associated with a particular driver," says the Cni
Pay As You Drive "* This expression is English because the offer has been designed in the United States in 1996. The objective was to reduce the auto insurance customers by not making them pay the actual use of their vehicle. This new type of tailor-made insurance was particularly developed in England and Italy between 2004 and 2006. In France, the Maaf tried placing on the market in 2005. But she ran into the Computing and Freedom Commission (CNIL), the latter believing that the data transmitted by the electronic box installed on the car of the insured were too intrusive. Insurance companies therefore improve the procedure and in 2007, Axa obtains authorization from the CNIL development of PAYD in France. Today the number of insurers offer, including Amaguiz (Groupama), Axa, the Maaf, Solly Azar broker or Aviva. Pay as you drive allows the insured to pay only for the miles he has done. It may well benefit from a reduction in the rate of its auto insurance 20 to 50%. In some countries, insurers set their prices according to various parameters (miles driven, type of road used, speed ...). In France, the CNIL has imposed restrictions: most insurance companies do not take into account the distance and sometimes time of day during which the vehicle was used. The broker Solly Azar offering insurance for young drivers, for example, included in its offer for a limited night driving. Each vehicle use between one and six o'clock in the morning, the insured must pay 20 euros extra. In case of collections of data traffic over large operators, they must "not be associated with a particular driver," says the Cni
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