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Field
Trial Start Date
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Before
January 09, 2018
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After
March 14, 2018
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Field
Last Published
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Before
December 27, 2017 10:45 AM
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After
March 12, 2018 10:27 AM
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Field
Intervention Start Date
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Before
January 09, 2018
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After
March 14, 2018
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Field
Primary Outcomes (End Points)
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Before
For all participants:
(1) Insurance Take-Up (Binary): Whether an individual accepted the quoted insurance offer and enrolled in the plan (defined as signing the contract and making the initial payment/deposit).
(2) Insurance Enrollment (Positive Integer): The number of days the individual was enrolled in their insurance plan.
(3) Total Amount Spend on Insurance (Continuous): Total spent on insurance during the three month study period.
For participants in pay-when-you-drive plans:
(4) Activations (Positive Integer): The number of times a driver texts to activate their insurance.
(5) Insured Driving Time (Continuous): The number of minutes PWYD insurance is active (sum of time between activation and deactivation over all activations).
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After
(1) Insurance Take-Up (Binary): Whether an individual accepted the quoted insurance offer and enrolled in the plan (defined as signing the contract and making the initial payment/deposit).
(2) Insurance Enrollment (Positive Integer): The number of days the individual was enrolled in their insurance plan.
(3) Total Amount Spend on Insurance (Continuous): Total spent on insurance during the three month study period.
(4) Activations (Positive Integer): The number of times a driver texts to activate their insurance.
(5) Insured Driving Time (Continuous): The number of minutes PWYD insurance is active (sum of time between activation and deactivation over all activations).
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Field
Sample size (or number of clusters) by treatment arms
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Before
We will allocate 20% of applicants to the control group (a traditional plan), 16% to a pay-when-you-drive plan requiring an initial deposit the amount of the traditional plan premium, 20% to the low price pay-when-you-drive plan, and 44% to the high price pay-when-you-drive plan.
The number of drivers for the driving outcomes will depend on the take-up rates and the number of drivers assigned to each treatment group.
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After
We will allocate 20% of applicants to the control group (a traditional plan), 16% to a pay-when-you-drive plan requiring an initial deposit the amount of the traditional plan premium, 20% to the low price pay-when-you-drive plan, and 22% to the high price pay-when-you-drive plan without a discount, and 22% to the high price pay-when-you-drive plan (discounted to the low price after enrollment).
The number of drivers for the driving outcomes will depend on the take-up rates and the number of drivers assigned to each treatment group.
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Field
Secondary Outcomes (End Points)
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Before
(6) Activations by Time of Day (Positive Integer)
(7) Insured Driving Time by Time of Day (Continuous)
(8) Total Driving Time (Continuous): For individuals in subsamples who install the phone-based application or on-board diagnostic device to passively track their total driving time, we will be able to measure their total driving time in addition to their active insured driving time. We can use the comparison between this outcome and reported insured driving time to estimate the share of driving that is uninsured.
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After
(6) Activations by Time of Day (Positive Integer)
(7) Insured Driving Time by Time of Day (Continuous)
(8) Observed Driving Time (Continuous): For individuals in subsamples who install the phone-based application or on-board diagnostic device to passively track their total driving time, we will be able to measure their observed driving time in addition to their active insured driving time. We can use the comparison between this outcome and reported insured driving time to estimate the share of driving that is uninsured.
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