Tesla now offers insurance in 11 US states that make heavy use of data generated from driving its electric cars: A safety score, initially introduced to qualify for the FSD beta test, aims to calculate individual risk of each insured client based on various factors they record and therefore determine the amount of the premium. There have been minor changes to the calculation before, but now Tesla has posted a 1.2 safety score, in which it’s no longer just individual driving style that plays a role.
Tesla insurance more expensive at night
Among other things, version 1.2 should be more transparent to the controller. Until now, you could see how your own safety score had changed after a ride, but not the reasons for it, unless you activated a forward collision warning or the autopilot disengaged due to inattention, which is always displayed on the screen. With the update, you can now use the Tesla app to see how you last performed at each point.
In addition to the number of collision warnings and forced autopilot shutdowns, the safety score also includes how often a customer aggressively brakes or turns and drives close to the car in front of them. If any of this happens while the autopilot system is engaged, it will not count towards the score. Previously there was a three second grace period for this, which has now been extended to five seconds.
More transparency and more time after the acquisition of the Autopilot system should be welcomed by Tesla customers. However, there were objections to another safety score innovation, namely the introduction of an additional factor: According to Tesla, 1.2 also measures the proportion of an insured electric car that is driven between 10 p.m. and 4 a.m. The company It doesn’t explain why this is so, but you can imagine: the number of accidents is generally much higher at night than during the day.
Complicated cost calculation
Tesla’s cost-conscious insurance customers would now have to decide whether they would like to use the supercharger’s lower rates at night or save on insurance — the calculation could be as complicated as the safety score itself. . Because it does not have this factor, it only measures individual risk based on driving data, but a more statistical one, as in classic insurance. However, there is still a difference: other providers usually cannot know what proportion of their customers are driving at night.