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NTUC Income's new app transforms smartphones into in-car cameras

Nurdianah Md Nur | May 20, 2014
The insurer hopes that the app will help reduce the percentage of fraudulent motor insurance claims by half.

Orange Eye app 
Orange Eye mobile app on an iPhone

With the newly launched mobile app by Singapore insurer NTUC Income, drivers in the republic are now able to use their smartphones as in-car cameras.

Available for free on both iOS and Android platforms, the Orange Eye mobile app comprises a recording device that captures footage of the road with an option of two or four minutes loop. The app's accident detection function will be automatically activated when the phone detects a sudden deceleration in driving speed, which is determined by the phone's GPS capabilities. The footage of the accident can then be saved and submitted as evidence when making motor insurance claims.  

Recording orangeye
The Orange Eye app recording the road.

Accident detected 
The accident detection screen automatically pops up in the event of a collision.

According to the General Insurance Association of Singapore, about 20 percent of motor insurance claims are inflated or fraudulent, and these claims are costing the motor insurance industry approximately S$140 million (US$112 million) annually. The use of video evidence will be able to help overcome this problem as it reduces discrepancies of statements between the parties involved in an accident. NTUC Income thus hopes that the launch of this app will help "reduce the percentage of fraudulent motor insurance claims by half," said Peh Chee Keong, vice president of motor insurance at NTUC Income, in a media briefing earlier today.

Besides the recording function, the Orange Eye app features an Accident Toolkit that helps drivers make informed decisions in accident situations. Included in the toolkit are:

  • the "instant call' button which activates NTUC Income's Orange Force accident response team,
  • the "message" button which will send a predetermined SMS together with the map location to your chosen emergency contact,
  • a 4-step guide on what to do in the event of an accident.

To encourage the use of Orange Eye, NTUC Income will offer its motor policyholders a S$100 (US$80) discount on their insurance premiums when they submit useful video evidence that helps settle a claim, regardless of which party is liable. The same offer is extended to non-policyholders should they choose to be insured with NTUC Income upon renewal of their motor insurance policy.

"In most cases, motorists submit video evidence to prove that they were not at fault," said Peh. "We would like to encourage our policyholders to submit evidence even when they are at fault or when they are unsure about their culpability as that will help us settle claims, especially third-party claims, fairly and more promptly."   

 

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