Allstate, the US insurer, is offering drivers over the age of 50, a chance to reduce their insurance premiums by playing brain-training computer games.
The games have been developed by Posit Science, and according to Allstate, the technology can improve people’s driving skills and increase reaction times to the point where stopping distances are reduced by an average of 22 feet at 55 miles an hour.
At the moment, the initial launch of the scheme is being restricted to only people over the age of 50 and living in Pennsylvania. If the software proves to successfully reduce the frequency and number of accidents for the over 50’s, they will start to offer discounts to policyholders (over the age of 50 of course!) that use the computer based exercises to improve their mental sharpness.
Commendable and imaginative but unlikely to make a great deal of difference I hear you say! And you may be right. But hats off to Allstate – at least they are opening their minds up to alternative approaches to help customers reduce costs and you never know, it may even work!
However, why should it be restricted to only those over the age of 50? After all, it is the younger generation (the under 25’s) that could benefit most, given they are involved in more accidents than any other age band.
Another thought, why not take it to the other extreme and instead of offering a discount, make the taking of such mental exercises compulsory. If all insurers signed up to such a condition, look at all the lives that could be potentially saved if the software is as effective as hoped!
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