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Machine Learning Techniques in Usage-Based Insurance: Use of Telematic Data in Auto Insurance
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Challenges in smartphone-driven usage based insurance
2013 IEEE Global Conference on Signal and Information Processing, 2013Usage Based Insurance (UBI) programs for car insurance is becoming mainstream using tailored vehicle mounted hardware, where the commercial initiatives can be traced back to the mid-nineties [1]. The smartphone has been identified as an enabler for future UBI, replacing the vehicle (after-) mounted dedicated hardware with a ubiquitous device with a ...
Peter Handel, Isaac Skog
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Scalable Decentralized Privacy-Preserving Usage-Based Insurance for Vehicles
IEEE Internet of Things Journal, 2021Compared with traditional insurance schemes, usage-based insurance (UBI) for vehicles is more economic and accurate for drivers since its insurance premium calculation depends on how vehicles are driven. However, UBI requires sensitive driving data to determine insurance premiums, and this could result in serious privacy breach for drivers.
Xiuzhen Cheng +2 more
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Usage-Based Insurance—Impact on Insurers and Potential Implications for InsurTech
North American Actuarial Journal, 2021Insurers are increasingly embracing the InsurTech ecosystem. The most important InsurTech-related trend in automobile insurance is usage-based insurance (UBI), which enables insurers to access and ...
Xin Che, Andre Liebenberg, Jianren Xu
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Usage-based Insurance Using IoT Platform
2017 21st International Computer Science and Engineering Conference (ICSEC), 2017The premium of car insurance is normally calculated based on statistics i. e. car and driver information. Drivers who have the same age range pay equivalent premiums regardless of their driving behavior. We propose the usage-based insurance (UBI) system that takes driver behaviors into account.
Puntavut Lertpunyavuttikul +2 more
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Progressive Patents for Usage-Based Insurance
SSRN Electronic Journal, 2017The material in this case presents Progressive Insurance as it faced important decisions regarding how to proceed with its usage-based insurance (UBI) initiatives, including the Snapshot device and related patents. Progressive had a head start on its competitors employing UBI pricing, but several competing insurance companies had been testing the ...
John Ziegler, Jacqueline Doyle
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Usage‐based insurance and its acceptance: An empirical approach
Risk Management and Insurance Review, 2021AbstractThis study aims to explore the motor insurance market's attitude towards usage‐based insurance (UBI), and thus its readiness for a launch in the near future. Data on client perception was collected using a structured questionnaire. On the basis of this, an initial selection of factors, other than income, that could influence the declared ...
Adam Śliwiński, Łukasz Kuryłowicz
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PRIDE: A Private and Decentralized Usage-Based Insurance Using Blockchain
2018 IEEE International Conference on Internet of Things (iThings) and IEEE Green Computing and Communications (GreenCom) and IEEE Cyber, Physical and Social Computing (CPSCom) and IEEE Smart Data (SmartData), 2018Usage-based Insurance (UBI) for vehicles determines the insurance premiums according to actual usage and driving pattern. It can significantly reduce insurance costs for safe drivers, however, UBI schemes require detailed driving data to determine the insurance premiums, which may lead to serious privacy breach for drivers.
Zhiguo Wan +2 more
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Speed-Based Location Tracking in Usage-Based Automotive Insurance
2017 IEEE 37th International Conference on Distributed Computing Systems (ICDCS), 2017Usage-based Insurance (UBI) is regarded as a promising way to offer more accurate insurance premium by profiling driving behaviors. Compared with traditional insurance which considers drivers' history of accidents, traffic violations and etc, UBI focuses on driving data and can give a more reasonable insurance premium based on the current driving ...
Lu Zhou +4 more
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MoCha: Large-Scale Driving Pattern Characterization for Usage-based Insurance
Proceedings of the 27th ACM SIGKDD Conference on Knowledge Discovery & Data Mining, 2021Given widely adopted vehicle tracking technologies, usage-based insurance has been a rising market over the past few years. With potential discounts from insurance companies, customers voluntarily install sensing devices in their vehicles for insurance companies, which are utilized to analyze their historical driving patterns to derive the risks of ...
Zhihan Fang +7 more
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