Centro de Documentacion de Fundación MAPFRE - Usage-based insurance and its acceptance : an empirical approach

MAP20210003936

Usage-based insurance and its acceptance : an empirical approach / Adam Sliwinski, Lukasz Kurylowicz

Sumario: This 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 attitude of drivers was demonstrated showing that it is primarily dependent on certain demographic characteristics like their age, sex, or place of residence. A strong relationship was also demonstrated with respect to the intensity of the vehicle's use, to the amount of the insurance premium they have paid, and to the self-assessment of the respondents' driving skills. Clients are likely to accept the concept of UBI once implemented, but that they are not ready yet to give up the traditionally used methods of premium calculation. Their attachment to discounts granted can be very strong in particular to the no-claims bonus

En: Risk management & insurance review. - Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999- = ISSN 1098-1616. - 15/03/2021 Tomo 24 Número 1 - 2021 , p. 71-91

1. Seguro de automóviles . 2. Pago por uso . 3. Análisis empírico . 4. Percepción social . 5. Análisis demográfico . 6. Cálculo de la prima . 7. Conducción automovilística . I. Kurylowicz, Lukasz . II. Título.