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1 results

  • Telematic driving profile classification in car insurance pricing

  • Wiltrud Weidner, Fabian W.G. Transchel, Robert Weidner
  • Journal:
    Annals of Actuarial Science / Volume 11 / Issue 2 / September 2017
    Published online by Cambridge University Press:
    13 September 2016, pp. 213-236
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  • This paper presents pricing innovations to German car insurance. The purpose is to provide an effective approach to adapting actuarial pricing decision to incorporate telematic data, which differs substantially from established tariff criteria in complexity and volume. A vehicle mobility model and a real-world sample of driving profiles form the input into the analysis. We propose an allocation of the driving profiles based on velocity and acceleration parameters to specific driving styles for evaluating the driving behaviour to subsequently enable discounts or surcharges on the premiums to obtain usage-based insurance premiums. The result is highly relevant for actuaries, who calculate the tariffs, but also for managers, as they have to make a pricing decision.