Insurii

 

Insurii is a multi-sensor device that dynamically adjusts a user’s insurance rates according to their behavior and mode of transit. It is designed to incentivize safe bike and scooter behavior in urban areas with high rates of vehicle/pedestrian collisions.

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Context: School of Visual Arts, Master’s Thesis Project

Overview

Micro mobility transit like bike shares and dockless scooters will soon revolutionize the way people move in cities. These changes will alter user behaviors and increase the already escalating problem of pedestrian fatalities. In response, Insurii is a product that uses financial incentives to encourage safer driving behavior while creating a new, dynamically-priced, situation-based insurance model.

It works by using a 360-degree camera, GPS, and an accelerometer to gathers real-time behavioral data. This data, along with information about
the user, is then sent to a cloud-based dynamic pricing model which readjusts one’s insurance every minute.

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Research & Framing

In my preliminary thesis research on mobility in cities, I discovered that in 2018, over 6,000 pedestrians were killed in traffic-related incidents–a 30-year high. Given the rise of new micro-mobility solutions like bike and scooter shares, I wanted to design an intervention that might prevent future fatalities.

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Function & Features

The device features a 360-degree camera, GPS, and an accelerometer that gathers real-time behavioral data. This data, along with information about
the user, is sent to a cloud-based dynamic pricing model, which in turn readjusts insurance once every minute.

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