International Transport Forum Discussion Papers

2223-439X (en ligne)
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The International Transport Forum at the OECD is an intergovernmental organisation with 54 member economies. It acts as a strategic think tank for transport policy and organizes an annual summit of ministers. Our work is underpinned by economic research, statistics collection and policy analysis, often undertaken in collaboration with many of the world's leading research figures in academia, business and government. This series of Discussion Papers is intended to disseminate the ITF’s research findings rapidly among specialists in the field concerned.
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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, Pays-Bas

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.