Admiral wants facebook access...

Uther said:
Interesting, wonder if this will become the norm for insurance companies?
http://news.sky.com/story/car-insur...first-time-drivers-facebook-profiles-10641508
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Under the optional scheme, Admiral said it will use an algorithm to examine social media pages to determine whether prospective customers would be careful drivers.
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It's optional, other insurance companies offer such optional schemes in the way of phone apps etc.

If you're okay with the obvious privicy issue and it lowers your premium, why not go for it.
 
Good way to reduce paying out for people who are not honest with their policy quote. Photo on their feed of "my new car innit bruv!" showing it parked on the road because the drive is full with aftermarket lights and a baked bean can exhaust... but the owner declaring themselves as a named driver on a stock car parked on the drive overnight.
 
Do these even actually lower premiums? Seems more like a way of insurance companies gaining access so they can decline your insurance in the event of an incident.
 
Steeps said:
Good way to reduce paying out for people who are not honest with their policy quote. Photo on their feed of "my new car innit bruv!" showing it parked on the road because the drive is full with aftermarket lights and a baked bean can exhaust... but the owner declaring themselves as a named driver on a stock car parked on the drive overnight.
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Won't work, they won't be looking at photos. Plus parking on the road is usually cheaper than on a drive.
 
looks like another way for them to get more info from you for future resell of your information etc.

I don't see how they'd determine if I'm a safe driver or not, who uses calendar apps in facebook anyway?
 
robj20 said:
Why, if it had lowered my premium when i first started driving i would have done it.
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Because it is asking a higher risk demographics of people who are less likely to understand the implications of data privacy but more sensitive to price to share an unreasonable amount of information in return for a short term discount.

A facebook account can contain a lot of private data and it is an unreasonable level of information for a car insurance company to have access to. I'd even argue that it goes against the data protection act ion the basis that it is an inappropriate level of information.

Bear in mind it gives the insurer access to:
- Your entire friend's list
- Where you have travelled to
- What you do in your spare time
- Your personal relationships, family relationships

How is any of this information appropriate for a commercial car insurance firm to have access to process?

I applaud Facebook for tackling this head on and denying Admiral access to the information.
 
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What if (like me) you don't even use Facebook? Do they just assume you have more sense and give you a lower price? ;)

Anyway this is about farming and selling data, not insurance. Despite what they are telling everyone.

Also, whats to stop someone figuring out what lowers the price and making a doctored account? It's an automated system by the sounds of it, so it would be easy to fool/hack.
 
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Abyss said:
Because it is asking a higher risk demographics of people who are less likely to understand the implications of data privacy but more sensitive to price to share an unreasonable amount of information in return for a short term discount.

A facebook account can contain a lot of private data and it is an unreasonable level of information for a car insurance company to have access to. I'd even argue that it goes against the data protection act ion the basis that it is an inappropriate level of information.

Bear in mind it gives the insurer access to:
- Your entire friend's list
- Where you have travelled to
- What you do in your spare time
- Your personal relationships, family relationships

How is any of this information appropriate for a commercial car insurance firm to have access to process?

I applaud Facebook for tackling this head on and denying Admiral access to the information.
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agreed! as soon as they fish the info out of you it goes into a "sorry we can't offer you discount based on your profile" insurers really need a kicking.

I get 500+ rise in price just because I was not born in uk, yet have lived here since 2004, way before I could even drive. :mad:
 
Dear Admiral

Computer_says_no.jpg
 
Abyss said:
Because it is asking a higher risk demographics of people who are less likely to understand the implications of data privacy but more sensitive to price to share an unreasonable amount of information in return for a short term discount.

A facebook account can contain a lot of private data and it is an unreasonable level of information for a car insurance company to have access to. I'd even argue that it goes against the data protection act ion the basis that it is an inappropriate level of information.

Bear in mind it gives the insurer access to:
- Your entire friend's list
- Where you have travelled to
- What you do in your spare time
- Your personal relationships, family relationships

How is any of this information appropriate for a commercial car insurance firm to have access to process?

I applaud Facebook for tackling this head on and denying Admiral access to the information.
Click to expand...

Spot on mate!
 
Seems to have been thought up by someone not too familiar with the tech - unless it was used to catch people out - after the first generation of users people would largely just game it to give the most favourable impression.
 
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