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Andrew Twambley imagines afternoon tea at No.10 LAST WORD➔


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vehicles is costly [and] the benefits of the data are limited to the narrow scope of the device’s capability." He explains that the telematics system put in place by In-Car


Cleverness, for example, transfers all the data it gathers straight to a cloud server. Should the car and hardware be damaged therefore, the data is


safely stored and compiled for any analysis that may be required. A camera and any associated hardware, however, can be damaged in an accident, making the information it has recorded redundant. Camera technology is also easy to sabotage should a driver object to being filmed, he says. In addition, vital data cannot be accurately captured by camera


footage including driving habits, speed, acceleration and braking levels – information which is vital to reconstruct an accident. "There are too many limitations for camera equipment to


prevail even in conjunction with telematics," he says. "Telematics is less personal and works if the vehicle works,


monitoring how the vehicle is interacted with on a data-intensive level. In-Car Cleverness constantly monitors a host of complex sensor equipment fitted to the vehicle showing, accurately, what is going on, how the driver is interacting with the vehicle." Then there's the cost, as also pointed out by Thomas. Eaves


believes that the money needed to implement and maintain cameras will price them out of the market, in the main. "The limitations of camera technology within vehicles will


become rapidly apparent to any fleet taking them on," he says. "Cameras are great for taking on holiday or making a film but


in this sector where the accuracy of data is vital for fleet operators they simply can’t compete with little black boxes." Thomas is not as sure, saying that he sees a market for cameras,


but warns that used in isolation – as with any technology – they will not solve the issue of fraudulent claims, if that is what they are primarily being bought for. Avoiding being a victim needs to be done by keeping drivers


informed of intelligence trends so that they can recognise the tell-tale signals of staged accidents, he says, including suspicious driving behaviour at well publicised hotspots, to enable them to avoid the possibility of a collision in the first place. "If they are unfortunate enough to suffer a collision, either


staged or genuine, the right telematics product can provide them, their operations manager and the insurance company with a far more sophisticated level of data, and remove the need for the driver to have to make sure the camera, or cameras, are working, well maintained and facing in the right direction." ●


Claims Magazine/Issue 11/ 53


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