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The Rising Need for Usage Based Insurance using Telematics in Indian Commercial Vehicles

机译：在印度商用车中使用基于远程信息处理的保险需求的不断上升

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General insurance industry has been incurring losses due to their poor underwriting standards and fake third party motor insurance claims. Motor industry accounts for one third of the non-life industry premium. The problems associated with the motor insurance industry are being assessed here with the help of indicators claims ratio, solvency ratio. The steps taken by Insurance Regulatory and Development Authority (IRDA) have been in terms of declined risk pool and increase in Third party premium. Third party premium is calculated based on the past years claim data and a differential pricing mechanism have been adopted. Though different vehicle segments have been addressed by this approach, the individual customer needs are not addressed here. The next level of differentiation should be based on user behavior and insurance companies are now looking at rate differentiation using customer behavior. Usage Based Insurance (UBI) using telematics is being adopted in many countries, to address the customer needs. 'Pay as your drive ' and 'Pay how you drive' programs are becoming popular. The insurance best practices are being adopted in the Indian Insurance industry, and hence the usage based insurance concept. This paper focuses on the increasing need for insurance telematics in Indian commercial vehicles. The need for regulations, the benefits to different stakeholders - commercial vehicle OEMs, Insurers, and Customers are also discussed in this paper.
机译：由于其不良的承保标准和假第三方汽车保险索赔，一般保险业一直存在损失。电机行业占非生活行业溢价的三分之一。在这里，在指标声明比率，偿付能比的帮助下，正在这里评估与机动保险业相关的问题。保险监管机构（IRDA）采取的步骤（IRDA）一直在拒绝风险池和第三方溢价增加。第三方溢价是根据过去几年索赔数据的计算，并采用了差分定价机制。虽然通过这种方法已经解决了不同的车辆群体，但这里没有解决个人客户需求。下一个级别的差异应该基于用户行为，保险公司现在正在使用客户行为来查看速率区分。许多国家正在采用使用远程信息处理的基于使用的保险（UBI），以解决客户需求。 “支付作为您的驱动器”和“支付如何推动您的驾驶程序的程序正在变得流行。印度保险业正在采用保险最佳实践，从而采用了基于使用的保险概念。本文重点介绍印度商用车保险远程信息处理的需求。本文还讨论了对不同利益相关者的福利，对不同利益相关者的福利 - 商业车OEM，保险公司和客户。

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