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The first German telematics product in car insurance is now on the market and is offered by the Sparkassen Direktversicherung. Accident prevention, fast accident aid and data protection had a top priority in product development.

If you choose the insurance tariff with telematics, you will receive a telematics box installed in the car. In the event of serious accidents, this can automatically inform the nearest emergency doctor and call the ambulance. Especially in cases in which the driver himself is no longer able to start a rescue call, this ensures valuable minutes, which in the truest sense of the word often decide on life and death.

In addition, the driver receives valuable feedback from the telematics security service to what extent his driving behavior is in accordance with the accident or possibly too risky. A foresight and careful driving style can even lower the insurance contribution. This is supplemented by a competition in which the best driver receives free insurance cover for one quarter per month. Other service components complement the application, such as the recovery function in the event of theft.

The Sparkassen direct insurance takes critical votes from consumer advocates very seriously. Because not only measures to protect the life of the car occupants have to be linked to innovative technology, the protection of driving information must also be absolutely ensured. Therefore, only the driver gets an insight into the information about his back routes and can understand when he drove where and how. The Sparkassen direct insurance only receives aggregated point values and the number of kilometers driven - and only once a month. On this basis, for example, it is calculated who can be voted the winner of the “Best Driver” competition.

In addition to the high technical quality of the accident report, the optimal connection of the emergency services and other new features, the telematics security service places a particularly high value on data protection. It is ensured by the complete separation between the driving information that is necessary for the creation of the point values and the personal information about the driver. On the website www.sparkassen-direkt.de/telematik you can read exactly how these protective measures are built up and how they are observed.