Yanez, Juan SebastianGuillén, MontserratNielsen, Jens Perch2025-02-202025-02-202025-010515-0361https://hdl.handle.net/2445/219058We present a dynamic pay-how-you-drive pricing scheme for motor insurance using telematics signals. More specifically, our approach allows the insurer to apply penalties to a baseline premium on the occurrence of events such as hard acceleration or braking. In addition, we incorporate a bonus-malus system (BMS) adapted for telematics data, providing a credibility component based on past telematics signals to the claim frequency predictions. We purposefully consider a weekly setting for our ratemaking approach to benefit from the signal’s high-frequency rate and to encourage safe driving via dynamic premium corrections. Moreover, we provide a detailed structure that allows our model to benefit from historical records and detailed telematics data collected weekly through an onboard device. We showcase our results numerically in a case study using data from an insurance company.28 p.application/pdfeng(c) International Actuarial Association, 2025Assegurances d'automòbilsAvaluació del riscTelemàticaAutomobile insuranceRisk assessmentTelematicsinfo:eu-repo/semantics/article7563882025-02-20info:eu-repo/semantics/openAccess