a novel type of auto insurance called Pay as You Drive (PAYD). A GPS receiver and mobile technology are placed in a car and risk factors (time of day, distance, mileage) are monitored. The information is transmitted back to the insurance company. Drivers using their vehicles at low-risk times of day or on low-risk roads or driving low mileage get a discount on their motor insurance premiums. There are several business method patents covering this invention. The Pay as You Drive service was withdrawn in 2008 due to lower-than-expected volumes of new business. Norwich Union supported a European public service ad campaign against careless driving at too great a speed. The ad campaign is known as "The Faster the Speed, the Bigger the Mess". Customer service In December 2007 Norwich Union was fined £1.26m by the Financial Services Authority (FSA) after customers with life assurance policies were put at a small risk of fraud. The FSA said the company had failed to deal with the issue properly even when it had been alerted to the problem. After discovering an overcharging error that dated back to 2001, Norwich Union agreed to compensate their clients with a cheque for £300 each, due to charges that exceeded the 1% cap imposed by the government. The final amount of compensation is expected to exceed £11 million. International operations In Canada, Norwich Union was well known as a direct marketer of life insurance products, often promoted through frequently repeated television advertisements. Most famous was a spot beginning with the phrase, "It's Patrick! He took out life insurance." Following the Norwich/CGU merger, this unit was sold to American International Group and renamed AIG Assurance, which decided to drop the "Patrick" ads. The unit was then resold in 2009 to Bank of Montreal, and is now known as BMO Insurance. In Australia the operations of Norwich Union Australia were rebranded as Aviva in October 2003. The company then consisted of three businesses: life insurance, fund manager Portfolio Partners (which reports directly to London) and the master trust/financial planning service Navigator. Notes External links History of Norwich Union Aviva Insurance companies of the United Kingdom Financial services companies based in London Financial services companies established in 1797 Former mutual insurance companies Companies formerly listed on the London Stock Exchange Companies based in Norwich 1797 establishments in England British companies established in 1797 Financial services companies of the United