Eco Driving and Motor Insurance in the Perspective of the European Environmental Principles

Several Studies indicate eco-driving as a strategy to reduce greenhouse gas (GHG) emissions. The word eco-driving commonly indicates the combination of some driving techniques and style of driving. Insurers can represent an instrument to improve eco-driving. Some important actuarial studies done in the last 10 years indicate a direct connection between efficient drivers and those drivers with fewer preventable accidents. So eco-driving can have a direct concern for insurers. In the global market of motor insurance it is possible to find examples of green insurance policies providing discount for eco-drivers. In some case premiums are based directly on how much it is driven during the policy term. Premiums are calculated taking in to account the following factors: vehicle-mile, vehicle-kilometer or vehicle-minute. We intend to focus attention to the ecological function of such policies, to some related juridical problems and to possible solutions.