MOBILITY AND TRANSPORT
European Road Safety Charter
Good Practice

Anytime SmartDrive: the safer you drive, the more you win!

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Anytime SmartDrive: the safer you drive, the more you win!

Anytime is the first online insurance brand in Greece with more than 400.000 clients with motor insurance. Active in the Cypriot market since 2017 we belong to the family of INTERAMERICAN, the leading insurance company in Greece, known for its credibility and high quality of services. INTERAMERICAN is a member of Achmea, an international insurance group established in the Netherlands.

In 2020 Anytime introduced an innovative motor insurance program to the Cypriot market called Smart Drive, created as part of the company’s vision of a safer future with fewer road accidents. Smart Drive has been designed to train the drivers to adopt a more careful driving behavior and reward them for that. This happens from the innovative app Smart Drive Cyprus, which can be downloaded by anyone from the App Store or Google Play.

The app, designed by a creative team from OSeven, enables users to monitor their driving behavior and receive tips on how to improve, while the insurance company, through the final driving score, can provide incentives so that everyone becomes a more careful driver.
The app rewards prudent, sensible driving, particularly in younger age groups. Anyone who drives carefully, does not use phone during driving, keeps reflexes sharp, adheres to the speed limit and generally follows the rules, gains a significant discount on their insurance fees. They can also receive vouchers from various partners and other brands through competitions and challenges.

Through this initiative, Anytime Cyprus brings the “pay how you drive” type of insurance to Cyprus, connecting the insurance product with an app that promotes safe driving, reduction of traffic accidents and car damages and provides a discount of up to 15% upon the renewal of their insurance plan.

What problem did you address/are you addressing? 
In only 12 years, Cyprus witnessed more than 10,000 road accidents with 729 deaths associated, according to data from the Ministry of Justice published on June 2021. - In the considered twelve-year period, the police recorded 10,542 collisions which resulted in 15,173 injuries; - 2008 registered the highest number of deaths, with 82 victims; - Most of the fatal victims of road accidents in Cyprus were men and were not wearing seat belts or helmets; - Alcohol was responsible for 26 percent of all registered road accidents, while careless driving was the main factor in 22%, and speed the cause of 12% of the accidents; - In the case of fatal accidents, speed was the main factor of one-third of them. At Anytime we envision a world of safer driving and less accidents. With the innovative Anytime Smart Drive insurance program, we now reward our clients' driving behavior and offer discounts on their premiums. How? By creating the first insurance program that integrates with the Anytime Smart Drive Cyprus app on your mobile, which helps you rate your driving behavior and improve your driving. The safer you drive, the more you win!
What are your objectives? 
Train our clients to adopt a more careful driving behavior and reward them for this
Who was/is your target audience? 
Describe the characteristics of your target audience 
More than 8. 500 young car drivers die in the 30 OECD countries each year. Young drivers are not just a danger to themselves; they also pose a greater risk to their passengers and other road users. Crash death rates for drivers under 25 are roughly double those of older drivers.
How many people did you reach/have you reached? 
List the actions you carried/are carrying out 
Date 
Tuesday, 3 August, 2021
How did you disseminate/are you disseminating results or how did you promote/are you promoting your initiative? 
- Advertising/Publicity - Social Media - Mobile Push Notifications
How did you evaluate/are you evaluating the success of your action? 
The sophisticated  Scoring Model uses the following factors to determine a score for each trip and the overall driver’s score: Speeding: Exceeding the speed limits Distraction: Mobile use while driving Braking: Harsh Brakes and Braking Aggressiveness Acceleration: Harsh Accelerations and Acceleration Aggressiveness Risky hours: Driving during night-time Trip Duration: Correlated with driver fatigue Road type: Urban, rural or motorway
Who carried/carries out the evaluation activities? 
External evaluation
Internal evaluation
Name of the external evaluator 
O seven (https://oseven.io/)
When did/will you carry out the evaluation? 
Before, after and continuous monitoring
How many groups did you evaluate/have you evaluated? 
Number of interventions groups 
4
Number of control groups 
4
Please list the indicators you use to measure success 
Number of clients/users
User's driving behavior at the end of each route (the score for each route is calculated based on user's driving behavior, meaning: over-speeding, mobile use while driving, braking, accelerating)
Please describe the evaluation tools you use (i.e. surveys, interviews, focus groups, etc.) 
The  Anytime SmartDrive Scoring Model
Feedback calls
Surveys