Ms Yvonne Kinnarney:

The system does need to be transparent. When one takes insurance on their vehicle one makes a declaration to say that they do not have penalty points. It is made in good faith. In downloading the app there would be a requirement to say that this app will not be used by any other driver. It also records the driving style, the style of the breaking and acceleration. If half way through the monitoring period the style changed and the driver was not reaching their parameters the style would show up as a different style of driving. Questions would have to be raised in the monitoring of the data. It is similar to reading a tachograph. If there is a change in the behaviour there are questions to be raised.