UBI dangerous chemical vehicle driving behavior acquisition and analysis system and insurance premium discount method

Abstract

The invention relates to a UBI dangerous chemical vehicle driving behavior acquisition and analysis system and an insurance premium discount method. The system comprises a vehicle-mounted terminal and a risk monitoring platform which are arranged on a dangerous chemical transport vehicle, the vehicle-mounted terminal comprises a vehicle driving behavior acquisition module and a driver driving behavior acquisition module, and the risk monitoring platform comprises a data storage module, a data extraction module, a data visualization module and a data analysis module. The premium discount method provides a corresponding premium discount according to the driver classification. Compared with the prior art, drivers are classified by analyzing vehicle driving behaviors and driver driving behavior data and adopting a machine learning algorithm, different premium discounts are given to different drivers according to driver classification, and the purposes of reasonable and fair premium and improvement of the traffic safety of dangerous chemical transport vehicles are achieved.

Description

technical field [0001] The invention relates to the technical field of vehicle monitoring and management, in particular to a UBI dangerous chemical vehicle driving behavior collection and analysis system and a premium discount method. Background technique [0002] UBI (Usage Based Insurance) auto insurance is an auto insurance fee determined based on driving behavior and driving mileage. Compared with traditional auto insurance, drivers with poor driving habits have higher premiums than drivers who are used to driving safely. On the one hand, UBI auto insurance is more fair and reasonable. On the other hand, UBI also encourages drivers to drive safely, which helps to improve traffic safety, which is a future trend. However, the existing UBI auto insurance focuses more on private cars, or light-duty passenger vehicles, and less on vehicles that transport hazardous chemicals. [0003] Hazardous chemical transportation vehicle accidents have the characteristics of difficult re...

AI Technical Summary

Problems solved by technology

[0004] However, traditional UBI auto insurance driver classification systems usually use statistical models to classify drivers relatively statically based on fixed index thresholds, and the classification cycle is relatively long. With the growth of computer computing power and the advancement of data analysis technology, a Data-driven UBI auto insurance scheme that adaptively classifies drivers based on driving behavior data

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