Reducing Cell Phone Use While Driving Among High Risk UBI Auto Policy Holders

Not Applicable

Completed

• Conditions: Driving Impaired; Distracted Driving
• Interventions: Behavioral: Free Phone Mounts; Behavioral: Commitment Contract; Behavioral: Personalized Habit Tips; Behavioral: Social Gamification Feedback; Behavioral: "Contest" Financial Incentives

• Registration Number: NCT04587609
• Lead Sponsor: University of Pennsylvania

Brief Summary

Insurance User Based Insurance (UBI) users will be invited to participate in a randomized control trial where they will be randomized into 1 of 4 arms: (Arm 1) standard UBI, (Arm 2) Standard UBI + Free phone mounts (Arm 3) Commitment + Habit Tips, (Arm 4) Gamification + Social Competition,(Arm 5) Contest Financial Incentives. Each successive arm will experience all of the elements that the lower-numbered arms will.

Detailed Description

Insurance company will invite User Based Insurance app users with more than 2 minutes per hours of handheld phone use in their first month of the insurance program to participate in a study to help them reduce their phone use while driving. Email invitations will include max insurance discount amount for the safest drivers in the customer's demographic group receive for not using their phone while in the User based insurance app. Participants that enroll into the study will be randomized to 1 of 4 arms: (Arm 1) standard UBI where they will continue to be monitored and receive educational material about distracted driving in the enrollment period; (Arm 2) Free phone mounts Arm, this arm will be monitored through standard UBI and receive educational material about distracted driving in the enrollment period, and free phone mounts (Arm 3)+ Commitment + Habit tips, this arm will receive educational material about distracted driving during the enrollment period, be sent a free phone mount with installation instructions, sign a personalized commitment contract to reduce their phone use, set personal phone use reduction goals, and be sent personalized habit tips framed to help them reduce their handheld phone use while driving; (Arm 4) will receive all treatments assigned to arm 2, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group. (Arm 5) will receive all of the treatments of arm 3 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, or the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.

Basic Information
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Recruitment & Eligibility
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Study & Design
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Trial Locations

Study Timeline

• Study First Submitted: 2020-10-07
• Study First Submitted QC: 2020-10-07
• Study First Posted: 2020-10-14
• Study Start: 2021-03-01
• Primary Completion: 2021-05-23
• Status Verified: 2021-06
• Study Completion: 2021-06-30
• Last Update Submitted: 2021-06-30
• Last Update Posted: 2021-07-02

Recruitment & Eligibility

• Status: COMPLETED
• Sex: All
• Target Recruitment: 1668

Inclusion Criteria

• Progressive Snapshot Users with policy activated within recruitment period AND reducing in a state which phone use while driving is factored into insurance rating at the time of enrollment
• Has email address

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Exclusion Criteria

• Progressive Snapshot Mobile App not updated to enable push notifications
• Baseline phone use must be greater than or equal to 2 min/hour
• Customer's Snapshot Mobile App does not collect trop data with all sensors active
• Customer in Snapshot program for <30 days or more >70 days

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Study & Design

• Study Type: INTERVENTIONAL
• Study Design: FACTORIAL

Arm && Interventions

Group	Intervention	Description
Free Phone mount	Free Phone Mounts	Participants in this arm will be monitored through standard UBI, receive educational material about distracted driving in the enrollment period, and free phone mounts
All + Contest Financial Incentive	Commitment Contract	Participants in this arm will receive all of the treatments of arm 4 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, and the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.
Commitment + Habit tips	Free Phone Mounts	Participants in this arm will receive educational material about distracted driving during the enrollment period, be sent a free phone mount with installation instructions, sign a personalized commitment contract to reduce their phone use, set personal phone use reduction goals, and be sent personalized habit tips framed to help them reduce their handheld phone use while driving;
Commitment + Habit tips	Commitment Contract	Participants in this arm will receive educational material about distracted driving during the enrollment period, be sent a free phone mount with installation instructions, sign a personalized commitment contract to reduce their phone use, set personal phone use reduction goals, and be sent personalized habit tips framed to help them reduce their handheld phone use while driving;
Habit Formation + Social Gamification	Free Phone Mounts	Participants in this arm will will receive all treatments assigned to arm 3, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group.
Habit Formation + Social Gamification	Commitment Contract	Participants in this arm will will receive all treatments assigned to arm 3, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group.
Commitment + Habit tips	Personalized Habit Tips	Participants in this arm will receive educational material about distracted driving during the enrollment period, be sent a free phone mount with installation instructions, sign a personalized commitment contract to reduce their phone use, set personal phone use reduction goals, and be sent personalized habit tips framed to help them reduce their handheld phone use while driving;
Habit Formation + Social Gamification	Personalized Habit Tips	Participants in this arm will will receive all treatments assigned to arm 3, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group.
Habit Formation + Social Gamification	Social Gamification Feedback	Participants in this arm will will receive all treatments assigned to arm 3, plus social gamification feedback, where each week participants are told if they've reach their weekly handheld phone use while driving reduction goal, and receive or lose points based on whether or not they met their goal. Based on their points participants can either move up or down a level. Each week the participants will also be sent a leader board of their ranking within their group.
All + Contest Financial Incentive	Personalized Habit Tips	Participants in this arm will receive all of the treatments of arm 4 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, and the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.
All + Contest Financial Incentive	Free Phone Mounts	Participants in this arm will receive all of the treatments of arm 4 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, and the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.
All + Contest Financial Incentive	Social Gamification Feedback	Participants in this arm will receive all of the treatments of arm 4 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, and the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.
All + Contest Financial Incentive	"Contest" Financial Incentives	Participants in this arm will receive all of the treatments of arm 4 plus be entered into a financial incentive contest where they can either finish in the highest level and split the prize money amongst all participants that reached that level, and the safest driver (driver ranked #1 on the leader board of their group) will receive a small weekly financial prize.

Primary Outcome Measures

Name	Time	Method
Seconds of active handheld phone use per hour of driving, using smartphone hardware sensors collected via Snapshot telematics app installed on phone	120 days	Seconds of active handheld phone use per hour of driving, or percentage of active phone use, including tapping, swiping, and typing. This does not include hands-free phone calls or voice texts. Measurements will be collected using the smartphone's internal hardware, such as an accelerometer gyroscope, and more.

Trial Locations

Locations (1)

University of Pennsylvania; 🇺🇸 Philadelphia, Pennsylvania, United States