Reporters create a new car insurance "& E (Andy)" with users with users.

小さな「IoTセンサー」が、ドライバーの運転を診断

今回の取材に協力してくれたのは、社内モニターとして&e（アンディー）の機能を体験しているイーデザイン損保の木村允昶まさのぶさん。奥さまと近所に出かけるところに、記者も同乗させてもらうことになった。

Both of them used to use car sharing occasionally, and they began to drive on a daily basis about three years before purchasing a car.He is currently driving about once or twice a week.

"I'm cautious because my husband and I are not used to" I'm used to "," says his husband.

さっそく記者も後部座席に乗り込み、まずは&eの仕組みについて教えてもらった。

「これが、&eのIoTセンサーです」

A small, white box can be seen around the shift lever pointed by Kimura.The IoT sensor has a function to detect acceleration, collecting information such as car positions, behavior, and driving routes.It is said that this sensor can be used for safe driving by pasting this sensor in a horizontal place, such as a car dashboard, and linking it with a dedicated application of smartphones.

One of them is "TRIP report".After one operation, based on the data detected by the IoT sensor, a sudden brake, a sudden handle, the number of rapid acceleration, and the "driving score" calculated based on them reach the smartphone.It seems that this Trip report shows your driving tendency.

In addition, "driving theme" is distributed from the app twice a month.For example, information that will be a hint for safe driving derived from the past accident patterns of the company, such as "lighting lighting early at dusk" and "safety confirmation on priority roads".

"Let's leave soon."

Kimura -san and his wife boarded the driver's seat, and the drive started.

Tripレポートが、自分の運転に「気づき」を与えてくれる

From the starting point, a downhill without a center line continues for a while.

"I'm pretty scared because the drivers I'm used to are speeding up."

Shortly after I started running, I arrived at a railroad crossing.After the pause, Mr. Kimura says while stepping on the accelerator softly.

「&eを使い始めて間もない頃、Tripレポートを確認したら、この踏切で『急発進』を指摘されたんです。自分ではその意識がなかったのですが、レポートを見て『あぁ、あれが急発進にあたるのか』という気づきがありました」

It is difficult for many drivers to objectively evaluate whether their driving is safe or dangerous.Continuing to look back in the TRIP report increases the awareness of safe driving, which reduces the risk of accidents.

Soon, the car will go to the station with a lot of traffic.The moment he paused in front of the pedestrian crossing and tried to restore, the elderly jumped out to cross the road.

"husband!"

Kimura steps on the brake.

「ごめんなさい。今のは&eに『急ブレーキ』と判断されたかもしれません」

After hearing that, the wife of the passenger seat smiled.

「夫は&eを使い始めてから、急ブレーキを踏むと、いつも謝るんです。半分は私や娘に対してですが、もう半分は&eに謝っているみたい（笑）。それに、見通しの悪い道にさしかかると、あらかじめスピードを落として、ゆっくり走るようになりましたね」

万一の事故には、スマホから1タップで担当者に連絡

After passing through the crowded roads, the car started running at a comfortable speed.Recently, Mr. Kimura says he often goes to camp with his family.It is said that his wife may drive back to the camp.

"The driving of the mountain road, which has a sudden curve, is still nervous, but because of the habit of danger prediction throughout everyday driving, it has become possible to drive with confidence recently. But in the first place I visit.If you have an accident ... I'm worried if you think. "

Certainly, if an accident occurs in an area with no sense of land, especially in the mountains, everyone will panic and will not be able to convey the situation over the phone.

しかし、こんな時でも&eなら安心。「衝撃を検知しました。事故の場合タップしてください」と即座にスマホにプッシュ通知が届き、利用者がタップすると、事故対応窓口にGPSデータで現在地が伝えられ、現場での対応をナビゲートしてくれるのだ。

The drive ended in about 15 minutes after running.I parked the car at a convenience store at the goal point and immediately checked the TRIP report.The course that has just ran on the smartphone screen is displayed.Looking at the driving score you care about ...

"It was 10 points!

Mr. Kimura showed the history of the past driving score.At the beginning, there are 7 points and 8 points, but recently 10 points have been continuous.

"When the evaluation can be visible, I want to aim for a perfect score, and when there is a deduction, I want to know where the cause was. In my house, one of them drives with a couple.I am competing by checking the score

安全運転を続けることで、うれしい「ごほうび」も

&eでは、利用者同士で運転スコアが共有できる「フレンド機能」があり、家族の運転を見守りながら、一緒に安全運転意識を高めることができる。さらに「チャレンジ機能」では、「フレンド登録」した家族や友人などと運転スコアを競うことができるだけでなく、結果に応じてバッジを獲得できるらしい。ゲーム性を取り入れることで、楽しみながら積極的に安全運転に取り組めるよう工夫されているのだ。

In addition, if 10 driving scores continue for a certain period of time, a "heart" will be given, and it can be exchanged for products such as coffee and sweets according to the accumulated heart score.

"When the heart accumulates, I am glad that there is a sense of accomplishment. I changed this coffee with a heart."

He showed me the coffee I had in my hand.Indeed, if you can exchange it for coffee or sweets, it seems that these efforts will be fun.

コーヒーを飲みながら、2人に話を聞いた。どんなところに、&eのメリットを感じているのだろうか。

"I am useful for the" driving theme ". I learned at the driving school, such as" Be sure to see your eyes when turning left ", but you can notice points that you are not usually conscious of every time you drive.I'm happy. "

「私は、郷里の父親に&eを勧めたいですね。もう70歳を過ぎているので、どんな運転をしているのか気にかかります。フレンド機能を使ってお互いに運転傾向をチェックしながら、一緒に安全運転の意識を高めることができたら安心ですよね」と木村さん。

今回の取材を通じて、「事故にあわない保険」の意味がよく理解できた。&eを契約すると運転テーマやTripレポートでご自身やご家族の安全運転を意識できる。さらにその輪が広がれば、集まったデータが活用されて「事故のない世界」へ一歩ずつ近づいていく。事故のない世界そのものをユーザーと共に創る、これまでにない共創型自動車保険だ。

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