STOK -ITS

STOK acts as a service provider between government and financial service providers on the one hand and road users and fleet owner on the other side. Thus she can ensure that technology and information for all parties are available. Because the information is passed on from the car by means of black box and by means of mobile telephony its concept is a payable solution, with new applications HSDPA, WiMax, RFID helping to make solutions feasible. By segmentation of the correct target groups (with high damage / claim charge and with that a hig (er) potention of discount earning) and optimisation of driving behaviour space there will arise manoeuvring space in the insurance company results producing advantages for all parties. Insurers can position their premiums according to the real driving behaviour and to expect benefits for damage. Consumers will be rewarded for less-and good driving behaviour. Especially the information around a crash / collision can supply great value to Insurers and the route of research and compensation to the insurance companies to be shortened and the involved costs of the insurer for settlement to press. . Off course "standard" track and trace is part of the solutions we offer.

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