论文标题
动态保险的连接车辆平台
Connected Vehicle Platforms for Dynamic Insurance
论文作者
论文摘要
在欧洲的监管变更后，汽车制造商包括新车中的Ecall系统，许多汽车制造商在顶部添加了其他服务，因此越来越多的汽车成为连接的车辆并像物联网传感器一样起作用。在接下来的研究中，我们分析了这项新技术的成熟度，以构建将考虑车辆使用情况的保险产品。为此，首先测试了近期CARS A-PRIORI资格的连通性。然后，已经设计了一个临时平台来收集驾驶数据。特别是，已有4辆车连接到该平台超过一个月。我们的结果强调，尽管这种技术创新在将来似乎非常有前途，但定价，缺乏收集的数据统一性和入学过程是目前应解决的三个痛点，以提供大规模的机会。同时，该技术仍可能用于高价值用例，例如豪华汽车的保险。
Following a regulatory change in Europe which mandates that car manufacturers include an eCall system in new vehicles, many car manufacturers are adding additional services on top, so that more and more cars become connected vehicles and act like IoT sensors. In the following study, we analyse the maturity level of this new technology to build insurance products that would take vehicle usage into account. For this, the connectivity of recent cars a-priori eligible has been first tested. Then, an ad-hoc platform has been designed to collect driving data. In particular, 4 cars have been connected to this platform for periods of over one month. Our results highlight that, while this technological innovation appears very promising in the future, the pricing, the lack of uniformity of data collected and the enrollment process are currently three pain points that should be addressed to offer large-scale opportunities. In the meantime, this technology might still be used for high value use cases such as the insurance of luxurious cars.
