Ian, comments below...
> -----Original Message-----
> From: Ian Welton [mailto:[log in to unmask]]
> Sent: 18 August 2004 17:30
> To: Yuill, Allan; [log in to unmask]
> Subject: RE: Today's FT, Lloyds TSB and the Unions
>
> Yuill, Allan on 18 August 2004 at 16:50 said:-
>
> > What's in it for me? Cheaper insurance during the pilot and
> > potentially, cheaper insurance long term for the ten miles or so I
> > travel to work each day. In addition, if the car is stolen, the
> > company can also phone the car and get it to send the
> location, which
> > will then be reported to the police.
>
> Interesting.. So from a privacy interest perspective :-
>
> Does this mean you perceive details of your movements as
> something that has commercial value which you are willing to
> trade with?
I didn't perceive details of my car journeys as having any value at all
until this scheme was proposed. They only generate value when they are
used by the insurance company and passed on in an anonymised/summarised
form to third parties as they've stated. If they do anything else it
will be commercial suicide. It is not really a privacy issue to me at
the moment.
and
> Were the data protection information detailed in such a way
> that you were aware of exactly what would happen with your
> data and were happy that in all the circumstances of your
> life (public and private) no problem could arise?
Yes. If the company misuses my information, any of the scenarios that I
can envision do not result in harm to me. If anything does happens, I
walk away.
> Does this mean you trust the insurance company more than they
> trust you as an individual? i.e. a simple declaration that
> you would only drive 'X'
> miles on 'X' roads could have the same outcome.
Yes, *I* wouldn't trust me. I'd cheat!
Seriously, 'trust' is the wrong word. I broadly understand the insurance
company's motives. As long as there is some quid pro quo then I will
enter into a contract with them. As I said, I can walk away at any time.
I balance the risk and the reward and find them acceptable.
> Where the accompanying reduction of risk for the insurance
> company results in a more targeted cost focus will your
> responses adapt to reduce your expenditure.
> e.g. A number of accidents happen on your regular routes
> increasing the premium for those who travel those routes.
> Response : 1. Hassle the highways authority vigorously to
> improve the situation - even if it increases their costs. 2.
> Change the routes you travel, thereby reducing your insurance
> costs but increasing traffic on those roads which have
> cheaper insurance premiums.
I do not expect the insurance company to provide me with enough level of
detail to make that sort of decision. As the experiment progresses, I
expect broad guidelines on the relative costs for various driving
conditions.
A straw poll round the office suggested most people do not have any
privacy concerns about this. Discussing it, the example you give above
was raised unprompted as an issue. Perhaps one in five were nervous
about the increased amount of information stored about their activities
and the telephone analogy was raised again. Interestingly, Pay as You Go
in the mobile phone world is at the opposite end of the privacy spectrum
as no personal information is required or stored.
The ultimate in privacy? ...or the tool of the devil and every drug
lord!
Allan
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