Hyundai launches usage-based car insurance linked to Bluelink driving data

Hyundai Motor India Limited (HMIL) has launched a Usage-Based Insurance (UBI) programme for customers whose vehicles are connected through Bluelink. The company said eligible customers could save up to 15% on the own-damage part of their insurance premium at renewal. The details come from Hyundai's own announcement.

The programme scores driving over the previous three months. The score is built from vehicle data collected through Bluelink. It looks at rapid acceleration, deceleration and braking, speed control and idling. Participating insurers can use the score as part of their underwriting.

How the scoring works

Hyundai India Insurance Broking (HIIB) will act as the link between HMIL and the insurers. Cholamandalam MS General Insurance, Go Digit General Insurance and ICICI Lombard General Insurance will offer the programme at launch. It covers Hyundai's product range, but only for insurance renewals that fall within the eligibility window.

Customers with a renewal due in the next 90 days can check their score in the Bluelink app. A score of 70 or above may make them eligible for benefits. Final eligibility depends on each insurer's underwriting policies, terms and conditions. Customers below 70 can use personalised driving tips in the app to improve. Customers can also choose to share their UBI scores.

What it means for owners

For owners of connected Hyundai cars, the scheme links the cost of cover to how they drive. Those who brake gently and keep steady speeds may see lower premiums. The saving applies only to the own-damage component, not the full premium. Owners should check the Bluelink app and their renewal date before renewing.

Hyundai has not said how many customers are expected to qualify, or how the score will be adjusted for different vehicle models. The company has also not given any details on what happens to a customer's score if they change insurers.