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http://hdl.handle.net/2445/183219Full metadata record
| DC Field | Value | Language |
|---|---|---|
| dc.contributor.author | Guillén, Montserrat | - |
| dc.contributor.author | Nielsen, Jens Perch | - |
| dc.contributor.author | Pérez Marín, Ana María | - |
| dc.date.accessioned | 2022-02-16T13:45:12Z | - |
| dc.date.available | 2022-02-16T13:45:12Z | - |
| dc.date.issued | 2021-05-10 | - |
| dc.identifier.issn | 0022-4367 | - |
| dc.identifier.uri | http://hdl.handle.net/2445/183219 | - |
| dc.description.abstract | We present a method to integrate telematics data in a pay-how-you-drive insurance pricing scheme that penalizes some near-miss events. We illustrate our method with a sample of drivers for whom information on near-miss events and claims frequency records are available. We discuss the implications for motor insurance ratemaking. Our pricing principle is to combine a baseline insurance premium with added extra charges for near-miss events indicating risky driving (or discounts) that can be updated on a weekly basis. This procedure provides an incentive for safe driving. In our real-case study illustration, hard-braking and acceleration events as well as smartphone use while driving increase the cost of insurance. | - |
| dc.format.extent | 21 p. | - |
| dc.format.mimetype | application/pdf | - |
| dc.language.iso | eng | - |
| dc.publisher | Wiley | - |
| dc.relation.isformatof | Reproducció del document publicat a: https://doi.org/10.1111/jori.12340 | - |
| dc.relation.ispartof | Journal of Risk and Insurance, 2021, vol. 88, num. 3, p. 569-589 | - |
| dc.relation.uri | https://doi.org/10.1111/jori.12340 | - |
| dc.rights | cc by-nc-nd (c) Guillen Estany et al., 2021 | - |
| dc.rights.uri | http://creativecommons.org/licenses/by-nc-nd/3.0/es/ | * |
| dc.source | Articles publicats en revistes (Econometria, Estadística i Economia Aplicada) | - |
| dc.subject.classification | Assegurances d'automòbils | - |
| dc.subject.classification | Seguretat viària | - |
| dc.subject.other | Automobile insurance | - |
| dc.subject.other | Traffic safety | - |
| dc.title | Near‐miss telematics in motor insurance | - |
| dc.type | info:eu-repo/semantics/article | - |
| dc.type | info:eu-repo/semantics/publishedVersion | - |
| dc.identifier.idgrec | 718798 | - |
| dc.date.updated | 2022-02-16T13:45:12Z | - |
| dc.rights.accessRights | info:eu-repo/semantics/openAccess | - |
| Appears in Collections: | Articles publicats en revistes (Econometria, Estadística i Economia Aplicada) | |
Files in This Item:
| File | Description | Size | Format | |
|---|---|---|---|---|
| 718798.pdf | 2.17 MB | Adobe PDF | View/Open |
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