Hyundai Blue Link, a connected-car service first offered in 2018, can now be used to save on auto insurance. Hyundai’s usage-based insurance (UBI) program and Driving Score promotes safe, efficient driving habits. Through Verisk, a global data analytic firm, Hyundai drivers can opt-in to share their driving quirks. Receiving substantially lower insurance rates is the hope of most drivers.
Posted on MyHyundai.com, your UBI and driving scores will be live on the site.
“As demand for more transparent auto insurance pricing grows, usage-based insurance is a way for Hyundai drivers to have greater control over insurance costs,” said Manish Mehrotra, executive director, Digital Business Planning and Connected Operations, Hyundai Motor North America.
Access to the Driving Score tools is available through Hyundai Blue Link, using Verisk’s analytics. What driving characteristics affect your insurability? Smooth driving, speed responsibility, time of day that you drive, driving consistency, and time behind the wheel are part of Verisk’s analysis. Driving Scores range from zero-100, worst-to-best, calculated each week.
On MyHyundai.com, there are tips to improve your driving habits, increase fuel economy, and improve your driving scores. Sharing your driving habits could earn behavior-based premium discounts from auto insurers. Hyundai Blue Link is your connection to Verisk’s Data Exchange.
The Exchange has over 240 billion miles of driving data collected from consenting drivers. This is like what Allstate did in offering substantial discounts for using their annoying device that plugged into the OBD II port. Thankfully, Hyundai Blue Link doesn’t appear to have buzzers or other devices to irritate and exasperate you as the Allstate plug-in did. A discount, whether you qualify for it or not, remains to be seen. Hyundai is at least attempting to lower the cost of car insurance for their customers.
[Images: Hyundai]
Nope, I won’t be doing that.
I have no interest in seeing a few dollars’ savings disappear because my car momentarily hit 90 while passing someone.
Thanks but no thanks.
NOW y’all can talk about the “nannies”.
Absolutely not interested in the overlord oversight. This only reinforces my plan to only own older cars and trucks that don’t have the ‘connectivity’ that provides zero benefit to me or mine but gives troves of data to manufacturers and, now, insurance companies. The OnStar in my Caddy is disconnected and no other vehicle of mine has any kind of connectivity – and it’s staying that way.
No problem. Plenty of doorbell cams, security cams, traffic cams, and dashcams on other cars to track you.
No need for that. They now have a Bluetooth tracker that could fit a model T. I could see them someday requiring that in lieu of buying insurance.
I see this situation becoming like my health insurance which I get through work. Sometime in about 2013 or so the company changed providers. And the new provider offered a $400 credit if you opted in to their biometric screening which is conveniently offered at the office.
But, in reality, that $400 credit is not a credit at all. My insurance costs didn’t go down as a result. No, it’s more of a $400 penalty for those who don’t opt in and give their blood and data to the health insurance company.
Eventually car insurers will offer specific discounts to bring your insurance cost in line with what you’re already paying thru a not-insubstantial “credit” if you opt in. Otherwise, give us a couple hundred bucks more on day one.
Hey, remember that awesome 10% discount you got last year? I’m sure you only drove 10% less in 2020, right?
This. Funny what can happen when your industry buys a few congresscriminals.
Why give your biometrics to the insurance company? Just go to the local FBI building and give it to them directly, skip the middle man
Your wellness program sucks.
I save hundreds each month.
Is anyone signed up to Metromile? They offer something similar for years. What bothering me about it is that premium is calculated monthly, means changes every month depending of how and how much you drive. And if someone God forbid takes OBD II plugin out – then all bets are off – they will charge max as a penalty. I prefer to pay once a year and forget about it until next year.
Wow save $50 bucks while turning over my entire life driving which will unequivocally be used against me in the court of law and later be used to make credit decisions (just watch).
Where do I sign? /s
If you are not paying for it then you are the product.
Paraphrasing Ronald Reagan
The worst nightmare is when insurance company tells you, “hello, I am here to help you to save money”.
I have a couple of GPS tracks I saved when due to GPS reception issues, the position was off, then when it corrected itself, it recorded me as having moved at incredible speed from the bad position to the correct one. One had me moving at 80mph in a 40 zone, and another one from years ago with a crappier GPS device had me at 800+ mph or something like that. Both of those incidents occurred on a bicycle (recorded by a fitness app). Another time, I was in the car on an interstate and the GPS had my position off by 1 ro 2 thousand feet and had me doing 65 mph on some residential streets paralleling the highway,
Some of these companies place way too much faith in technology. Yes, I know that’s an understatement. They also put so much faith in it that it can be easy to fake the data as well. Even video can be faked.
Was the fitness app MapMyRide? With my older phones that would happen to me fairly often. I never exceeded 200 MPH with my mountain bike, however.
You can opt out for now, but the eventual endstate will be that enough people accept it that those “opting out” are portrayed as having something to hide and will be billed as such, if they are insured at all.
It will be a moot point anyway as the government moves toward mileage based taxes (with no discussion of repealing the existing taxes of course prior to implementation). You think they are going to simply trust you to report those miles?
Land Ark;
Similar situation with my health insurance.
George Orwell was off by a few decades, but Big Brother will be watching you!
What do you mean will be?
In China it is already at full force. In US we are building infrastructure. Remember those intersection cameras? – Ah, they are to monitor the traffic… Rrrrrright. I was watching the Russian news. Youtube blogger rents cars and does crazy things with them, then posts videos. This time he screwed up and f####d life of one woman. Bam! Police report says – he speeds here on this road, on this road, on this road – all captured on cameras, all printed out by a minute. Not bad.
Big Brother is already there and is getting ready for big take over of your life.
I think a Jeremy Clarkson quote about cyclists might apply here, “They can @#$% off.”