During a recent interview, Matteo Carbone, director of the IoT Insurance Observatory, described a new set of approaches, modeled on the success of South African insurer Discovery, which U.S. auto insurers should consider adopting for their telematics programs.

Referring to them as “friendly approaches,” Carbone advocates a system of meaningful customer rewards designed to entice consumers to enroll in telematics program—and importantly, to learn to correct unsafe driving habits once they do, paving the way for improved affordability and availability of insurance.