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Research Journal of Humanities and Social Sciences
Year : 2018, Volume : 9, Issue : 3
First page : ( 657) Last page : ( 662)
Print ISSN : 0975-6795. Online ISSN : 2321-5828.
Article DOI : 10.5958/2321-5828.2018.00110.9

Consumers Perception towards Telematics in Insurance

Sreethamol PS1, Sulfiya K. S.2, Dr. Vineeth K. M.3,*

1Assistant Professor on Contract, Post Graduate and Research Dept of Commerce, The Cochin College, Kochi, Kerala – 682002

2Research Scholar, Post Graduate and Research Dept of Commerce, The Cochin College, Kochi, Kerala – 682002

3Assistant Professor of Commerce, Maharaja's College, Ernakulam, Kerala – 682011

*Corresponding Author Email: vineeth@maharajas.ac.in

Online published on 31 October, 2018.


Telematics is a branch of information technology which enables long distance transmission of computerised information from persons or objects, with the aid of equipment linked to internet. This device capture and record facts based on physical activity, and then send it to a centralized processor or server where it can be analysed and stored for the long term. Once required data has been collected by the service provider, it is examined to arrive in a conclusion. With the help of telematics devices in insurers will be in a better position to assess the risks they are underwriting. It will lead to create an improved segmentation of the market. This will allow them to increase or decrease the premium according to an individual insurance holder's risk profile, thus providing a high degree of accuracy in premium calculation and claim decisions. This paper throws light on the awareness and perception of consumers w.r.t. telematics in insurance.



Consumer Awareness, Consumer Perception, Insurance, Telematics.


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