Today, the mileage used to calculate an insurance premium is often still based on estimations provided by the policyholder. If a policyholder estimates their mileage to be too low compared to actual usage, they may risk being charged additional payments. If the estimation given is too high in comparison with actual usage, the premium payment will also be too high. Both are inconvenient and lead to a potentially negative customer experience.
With access to the actual mileage driven, the probability of human error in estimating the actual mileage is avoided. Neither the policyholder, nor the insurer, need to guess or estimate. Easy, accurate and up to date price calculation is more efficient for both the insurance provider and the policyholder, thus increasing comfort, transparency, and overall customer experience.

"Pay As You Drive" will be the basis for more sophisticated data products offered exclusively for insurances in the future.

Last available mileage, timestamp, policyholder consent information.

Vehicles must have a valid connectivity license. The policyholder must be registered as the primary user and successfully complete the consent process. New mileage datapoints are made available in the backend when the vehicle is turned on or off. Data consumption can be obtained via pull-request once the data protection and IT security requirements are met.

All VW Passenger Cars with the MOD 2-4 infotainment system that have an active “We Connect” license including the service “Vehicle Status”.

Germany