We are keen to foster social responsibility and are always on the lookout for innovative products that meet real customer needs. These motoring initiatives do just that and are a great success.

Norwich Union's UK “Pay As You Drive”^TM insurance uses telematics technology to assess where, when and how far customers drive, giving them more control, choice and flexibility over their premiums. When we trialled it with 1,500 young drivers, limiting night-time driving, car accidents in this group fell by 20% and premiums by approximately 30%. Last September we launched “Pay As You Drive”^TM products for young drivers, plus lower mileage drivers (under 8,000 miles pa) who use safer roads, and fleets who are encouraged to drive more safely using risk management and duty of care principles.

Aviva Canada's Autograph programme also uses telematics technology to assess risk. Customers can directly influence their premium by receiving credit for their individual driving behaviour. People who drive off-peak, when it is less risky, are enjoying discounts in the range of 15-25%.

Finally, to encourage cars with a lower carbon footprint, some of our insurance schemes in Canada, the UK, France and the Netherlands give discounts to drivers of hybrid and biofuel cars.