Vehicle insurance mode for charging based on rated usage amount within insurance period

Abstract

The invention discloses a vehicle insurance mode for charging based on rated usage amount within an insurance period. The mode is that a package is formulated based on a basic insurance strategy, thatis, an insurance company uses a vehicle-mounted terminal to collect vehicle use information in an insurance period, whether the vehicle is in a use state is judged, and responsibility of paying insurance premium is undertaken in a rated use amount range corresponding to the package, wherein the basic premium rate is P1, the package premium rate is P2, P2 is equal to alpha P1, and alpha is a usageamount coefficient. According to the invention, the package with a certain rated usage amount within the insurance period is formulated, and the insurance rate is correspondingly adjusted, so that the requirements of different users for different usage amounts of vehicles can be met; and after being combined with the UBI for application, the system also has the advantage of UBI insurance. In conclusion, the purposes of reducing the customer obtaining cost, the channel cost and the compensation risk of an insurance company, promoting the insurance company to reduce the autonomous pricing coefficient, and enabling the vehicle owner to obtain actual discount can be realized, and the vehicle insurance mode is an excellent and advanced insurance product.

Description

technical field [0001] The invention relates to the technical fields of auto insurance and Internet of Vehicles, in particular to an auto insurance mode in which billing is performed based on a rated usage within an insurance period. Background technique [0002] With the advent of the Internet era and the development of technology globalization, the mobile Internet is constantly penetrating into various fields of society and economy. Similarly, the Internet of Vehicles under the Internet is also penetrating into the auto insurance industry. Therefore, the auto insurance industry based on the Internet of Vehicles has a huge potential. development prospects. Among them, Internet of Vehicles technology and big data technology are the core driving forces for the future development of the insurance industry. [0003] Usage Based Insurance (UBI), a vehicle insurance model based on user behavior, originated in Europe and the United States. It is a user-customized auto insurance b...

AI Technical Summary

Problems solved by technology

For car owners, on the surface, a single insurance is cost-effective, but in the long run, short-term time-sharing auto insurance is not as cost-effective as one-year auto insurance. Consumption, similar to the short-term consumption behavior of commercial auto insurance, is prone to "missing insurance" after interruption

In addition, time-sharing auto insurance will also bring certain difficulties to loss underwriting

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