Westfield introduces a new safe driving rewards program
Insurance carrier Westfield Insurance introduced MissionSafe®, a new safe driving rewards program that gives eligible personal auto insurance customers feedback on their driving and provides incentives to encourage safer driving habits. The new usage-based insurance (UBI) program, enabled by a smartphone application, uses telematics technology to analyze driving behavior, determine risk, and calculate opportunities for premium discounts.
MissionSafe customers earn an automatic 10 percent premium discount upon enrollment, then can earn up to a 40 percent discount at renewal, with an average expected savings of 20 percent. In addition to potential premium discounts and safety benefits, particularly around young drivers and distracted driving, users also can earn rewards for safe driving including gift cards and charitable donations.
“Saving money motivates drivers. With MissionSafe, the safer that customers drive, the more rewards and the greater the discount they can earn. Considering government data shows consumers have experienced a 13 percent increase in auto insurance inflation from October 2021 to October 2022 (as measured by the Bureau of Labor Statistics), adding MissionSafe to an eligible Westfield personal auto policy is a timely way for drivers to gain a potential premium discount.” – Steve Butler, personal lines product management and underwriting practices leader for Westfield.
With the goal of enhancing driver safety at the forefront, Westfield’s MissionSafe program analyzes driving data, then computes an overall driving score out of 100 based on a series of criteria: phone use while the vehicle is in motion; speeding; hard acceleration; hard braking; and harsh cornering. The MissionSafe phone app displays the user’s overall score for a two-week period and provides a rating for each vehicle trip. MissionSafe uses the overall driving score to calculate eligibility for renewal insurance discounts, but does not impose a premium surcharge based on a low driving score. Even with the lowest driving score possible, the policy premium would remain the same base rating that Westfield would have quoted if the customer had not participated in MissionSafe.
Available through independent agents, MissionSafe is available in Iowa, Illinois, Indiana, Kentucky, Minnesota, Ohio, Pennsylvania, Tennessee and West Virginia.