I found this here: An insurance in Austria offers

I found this here: An insurance in Austria offers up to 50% discount on the premium - with mobile waiver while driving. This shows that insurers are increasingly recognizing that they need to act. Very interesting.

However, a very important disadvantage:
The driver can decide for himself how long and how often he phones while driving.
I have omitted some irrelevant things

Here the link (in German):
https://www.boerse-online.de/nachrichten/akti...1002115248
https://www.boerse-online.de/nachrichten/akti...1002115248


Here is the Google translation:

If you do not use your cell phone while driving, you can save up to 50 percent of the annual motor vehicle net premium

With the new SafeLine car tariff, UNIQA customers can save up to 50 percent on liability insurance if they do not use their mobile while driving. UNIQA is one of the pioneers in the field of telematics. Additional services include emergency assistance in the event of an accident as well as an emergency, a logbook and the ability to locate one's own vehicle.

The new motor vehicle liability tariff of UNIQA is a world premiere:
For the first time, customers can directly influence how much insurance premium they pay by not paying for the mobile phone at the wheel. And that makes sense: distraction by mobile phones at the wheel is the trigger for more than 30 percent of all accidents, the majority of which falls on the use of smartphones. Andreas Kößl, Member of the UNIQA Board

Austria: "If you do not use your cell phone while driving, you can save a lot on premiums - the reward is flexible, the less you make a call, the higher your savings, from one to 50 percent."

The technology builds on the SafeLine tariff, which was launched ten years ago, and is now undergoing significant expansion. All safety features such as automatic notification of accidents, an emergency button in the car and in the UNIQA SafeLine app as well as the possibility to locate the vehicle after a theft have been retained. New is the extremely precise measuring technology. This can capture the handset so exactly that on it
Premium calculation can be established.

Telematics box in the vehicle
At the heart of SafeLine is a telematics box that is simple and easy to use
quickly installed in the car. The small device does not require one
Intervention in the vehicle electronics, but is itself equipped with GPS, a telephone module and a crash sensor. The emergency button is connected via Bluetooth.

This is how the measurement of the mobile phone waiver works
UNIQA customers use the SafeLine app on their phone to prove that they have no mobile phone. This is available for Apple and Android devices for free in each store. After a ride both the SafeLine box and the app send the trip data to the SafeLine server, which compares the pure driving time with the mobile phone waiver. As soon as one waives the mobile phone for more than 50 percent of the journey time, the savings begin to work - for each additional percent of mobile phone renouncement, there is just as much premium savings in
Percent.

As a control for the customer, the data of each trip is displayed in the SafeLine app. The app tells you how long you can not use your phone while driving. With the function "myCar" the location of the own car is displayed and under "myLogbook" the logbook can be inspected. The application also has an emergency button so you can quickly call for help, regardless of the emergency button in the car - for example, in a recreational accident.
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HEXAGON - "der perfekte Sturm"