Telematics rates, for example, give discounts to careful drivers. Claims can be settled digitally in many instances. Even emergency, accident or breakdown assistance can be provided quickly and smoothly based on data provided by the consumer.
It is therefore all the more important to ensure the framework conditions for fair competition and a level playing field now.
Automobile manufacturers, which currently have first access to data from connected vehicles, contend both at a national and European level that their NEVADA (Neutral Extended Vehicle for Advanced Data Access) concept would provide non-discriminatory access to third-party market participants. In April 2018, the GDV and the German Association of the Automotive Industry (VDA) developed a common understanding of data access for connected vehicles, which is being validated now: is the NEVADA concept really compatible with fair competition between vehicle manufacturers and the insurance sector or other market participants in accordance with the FRAND (fair, reasonable and non-discriminatory) principle? If not, the EU must intervene on a legislative level to ensure fair competition in this field.
The EU institutions have already acknowledged the need for legislative intervention in the important mobility market: the European Commission has clearly stated that the centralised storage of vehicle data on “extended vehicle data platform servers” currently being organised by a number of vehicle manufacturers, is not enough to ensure fair competition among providers. The European Parliament also affirms the “need to explore legislative actions to ensure fair, secure, real-time and technology-neutral access to in-vehicle data for some third party entities”.
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