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Scape (non)
2017-12-05 11:27:38原文连结：
https://goo.gl/V7XCRb
原文内容：
Tesla Autopilot: Insurer offers a 5 percent discount for drivers using Tesla’
s driver assist system
Earlier this year, Tesla said that it was working with insurers in order for
them to better understand features like the Autopilot.
今年稍早，Tesla表示正与保险公司合作，让他们更了解AutoPilot等功能。
Now, a major insurer announced that they are offering a 5 percent discount
for drivers using Tesla’s driver assist system.
现在一家主要的保险公司提供5%折扣给有在使用辅助系统的Tesla车主。
Britain’s largest motor insurer Direct Line confirmed to Reuters that they
are offering the discount to encourage the use of Autopilot.
英国最大的汽车保险公司Direct Line向路透社证实，这折扣是为了鼓励使用AutoPilot。
Dan Freedman, Head of Motor Development at Direct Line, said:
“At present the driver is firmly in charge so it’s just like insuring other
cars, but it does offer Direct Line a great opportunity to learn and prepare
for the future,”
Direct负责人Dan Freedman说：
"目前驾驶依然牢牢掌握车子的控制权，所以就跟其他车辆没什么不同，
但这确实给了Direct Line一个为将来学习与准备的好机会。"
It’s the second company to announce a similar initiative after a startup
insurance company called ‘Root’ made a similar claim in the US earlier this
year.
在今年早些时候，一家名为“Root”的新创保险公司在美国发布类似的声明之后，
这是第二家宣布类似举措的公司。
The discounts come after Tesla’s crash rate was reportedly reduced by 40%
after the introduction of Autopilot based on data reviewed by NHTSA.
根据NHTSA的研究资料显示，采用AutoPilot的Tesla车辆可以降低40%的事故率。
Earlier this year, data came out suggesting that some Tesla owners were
paying higher than average premiums. Tesla CEO Elon Musk said that the
insurers weren’t competitive and suggested that Tesla owners paying higher
premiums simply change insurers.
今年稍早，有份资料显示，一些Tesla车主支付比平均更高的保费。
Tesla CEO Elon Musk说，这样的保险公司没有竞争力，
并建议付了更高保费的Tesla车主更换保险公司。
But he also said that they will be working more closely with them to make
sure the rates are fair – especially with the advent of autonomous driving
and active safety features in Tesla’s vehicles.
不过Elon也表示要与这些保险公司更密切的合作，以确保保险费率是公平的。
- 特别是随着在Tesla车辆中的自动驾驶与主动安全功能到来。
Musk added:
“Not to the exclusion of insurance providers but if we find that insurance
providers are not matching the insurance proportionate to the risk of the
car, then if we need to, we will in-source it. I think we will find that
insurance providers do adjust the insurance cost proportionate to the risk of
a Tesla.”
Musk补充说：
不是要将保险公司去除，但如果我们发现保险公司提供与车辆风险不匹配的保险的话，
如果有必要，我们将会内包这项业务。
我想我们会找到愿意根据Tesla车辆风险而调整费率的保险公司。
Tesla also started working on a new car insurance program under its own brand
and underwritten by other insurers. Last year, we published an exclusive
report revealing the program when Tesla quietly launched it in Australia and
Hong Kong.
Tesla还开始在自己的品牌下开展一项新的汽车保险计划并由其他保险公司承保。
去年，我们发表了独家报导揭示了Tesla在澳洲和香港悄然推出该计划的情况。
Recently, the automaker expanded the program to several more countries,
including in the US and Canada.
最近，Tesla把这个项目扩展到了更多的国家，包括美国和加拿大。
心得/说明：
更安全的车缴更少的保费是相当合理的
以NHTSA的资料来看，(正确的)使用AP可以降低40%事故率是一个非常明显的差别
如果比较安全的车辆却要跟其他相对不安全的车辆缴相同的保费那是一件不公平的事情
不只是Tesla的车辆，如果经过验证显示搭载某功能或主动安全功能的车辆能有效降低
事故率的话，那么这些车辆都应该享有更低的保费才对。
不过一般车主很难得知这类统计资讯，个人也很难做的到
最清楚的是保险业者
哪些车款会有超额利润他们一定很了解
但没办法靠他们良心发现自动降保费
这就需要汽车制造商帮忙，跟政府机关合作取得资讯，然后跟保险业者协商降低保费才行