International Transport Forum Discussion Papers

2223-439X (en ligne)
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ITF Discussion Papers make economic research, commissioned or carried out in-house at the International Transport Forum, available to researchers and practitioners. They describe preliminary results or research in progress by the author(s) and are published to stimulate discussion on a broad range of issues on which the ITF works.

Pay-as-you-Drive Vehicle Insurance as a Tool to Reduce Crash Risk

Results so far and Further Potential You or your institution have access to this content

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Jan Willem Bolderdijk1, Linda Steg1
Author Affiliations
  • 1: University of Groningen, Netherlands

26 oct 2011
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In this paper, we provide an extensive summary of a field experiment we have recently conducted on the behavioural effects of pay-as-you-drive (PAYD) vehicle insurance (Bolderdijk et al., 2011a). We start with a review of the rationale for PAYD schemes from a behavioural science perspective. Next, we describe the design of our study, and discuss and elaborate on the main empirical findings. Based on this, we present practical guidelines for policy makers and insurance companies aiming to introduce PAYD schemes as a tool to reduce crash risk, improve traffic safety, and reduce the negative environmental impacts of car use.
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