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A Novel Set of Driving Style Risk Evaluation Index System for UBI-Based Differentiated Commercial Vehicle Insurance in China

机译：基于UBI的差异化商用车保险的新型驾驶风格风险评估指标体系

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摘要

Usage based insurance (UBI) for vehicles, or sometimes pay-how-you-drive (PHYD) as it is usually called, which fuses information and telecommunication technologies, can not only enhance the accuracy of underwriting, solve the severe homogeneity problem in vehicle insurance products for insurance companies, but can eliminate the cross-subsidies from vehicles of low risk to those of higher risk, as well. However, till now, researches of driving style evaluation method are mainly for fuel consumption control or to analyze road traffic conditions. It is hard to find reports on dedicated methods for UBI premium actuary purposes. Consider that China is a country which has a huge territory with different city landforms and traffic situations. There is an urgent requirement to establish a theory structure based on UBI implementations, and to establish a theory system for autonomous driving style evaluation methods. In this paper, a novel set of risk evaluation index systems of driving style for the UBI based differentiated commercial vehicle insurance for cities on the plains in China has been proposed. d via a real vehicle driving example analysis, the objectiveness and effectiveness the proposed dynamic driving evaluation index system has been proved.
机译：车辆的基于使用的保险（UBI），或者有时称为通行付费的保险（PHYD），融合了信息和电信技术，不仅可以提高承保的准确性，还可以解决严重的车辆同质性问题保险公司的保险产品，但也可以消除低风险车辆与高风险车辆之间的交叉补贴。但是，迄今为止，驾驶方式评价方法的研究主要用于油耗控制或道路交通状况分析。很难找到有关UBI高级精算师专用方法的报告。考虑到中国是一个幅员辽阔的国家，拥有不同的城市地貌和交通状况。迫切需要建立基于UBI实现的理论结构，并建立用于自动驾驶风格评估方法的理论体系。提出了一套基于UBI的中国平原城市差异化商用车保险驾驶风格风险评估指标体系。通过实际车辆驾驶实例分析，证明了所提出的动态驾驶评价指标体系的客观性和有效性。

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