With Pay As You Drive the individual driving style can be queried and therefore the customer can be offered the appropriate insurance rates.
The days of uniform insurance rates were yesterday - Pay As You Drive enables an innovative usage-based insurance service and fulfills the desire of vehicle users to insure their vehicle based on personal usage. By requesting information such as the duration, time and areas a vehicle is driven, the insurance rate can be perfectly adjusted to the driving characteristics of the vehicle users. Pay As You Drive rewards those who drive less, e.g. with savings on their premiums.
Retrieve odometer, time stamp data & geo data readings remotely - without a dongle. You can offer usage and behavioral based insurcance services by gaining access to these data points.
New: Geo Position
The addition of the geo position makes it possible for the insurer to offer even more individualized rates.
Vehicle users can easily activate Pay As You Drive in their own systems and allow the collection of the data into the risk assessment process. This gives insurers the opportunity to offer their customers highly individualized insurance rates based on usage behavior and reward them for mindful driving. Risk assessment has never been so easy and so accurate.
By using Pay As You Drive, insurers can record how often, at what times and in what areas a vehicle is driven in order to take this into account when calculating the insurance rate. Insurers can thus reward careful driving by their customers.
The Mercedes-Benz driver does not need any additional hardware to benefit from fairer or even cheaper insurance rates.
The driver activates three Mercedes me services and gives consent for the data to be used by a third party - the insurer. The data includes timestamp, mileage, and geographic location of each start and end of a trip.
The personalized data can be validated and aggregated via our developed algorithms.
After giving consent, the driver activates the Pay As You Drive service. The insurer is notified by the PUSH API and can offer individualized insurance rates to the customer based on the vehicle identification number (VIN).
Data protection is our top priority. We only use data from customers who have given their consent to share their anonymized data for this specific use case. The customer can revoke this consent at any time. We also anonymize the data by deleting all personal information as soon as the data enters our backend.
The #BYOCAR API makes it possible to experience functions and features of Pay As You Drive in a real life scenario.
Learn more about #BYOCAR on the Mercedes-Benz /developer portal.
By Miles – UK's leading pay-by-mile car insurance provider – uses the Mercedes-Benz “Pay As You Drive Insurance” product, giving them easy access to the mileometer (odometer) readings of connected Mercedes-Benz cars.
Head of Development at By Miles
Here you will find the answers to the questions our customers ask us about this product:
There are several good reasons: no additional hardware is required, such as an OBD 2 dongle or GPS black box. In addition, the data is very precise, cannot be manipulated and can be retrieved in real time at any time. In addition, our API interface can be embedded directly into your system without additional software.
The prerequisite for the accessibility of data is a connectivity contract of the end customer with Mercedes-Benz AG or one of its sales organizations. Please remember that permission for data access is subject to the respective master user of the connectivity contract of the vehicle.
Further information about available connectivity services can be found in the following:
For passenger car customers: Mercedes me
Mercedes me: this product requires the following services to be active for the requested vehicle.
Note: Please be aware that the scope of use for this product is limited to insurance-related applications.
To learn more about our pricing model, please contact our product experts directly.
Our product experts will help you with finding the best product fit and guide you through our purchase and onboarding processes.