Vehicle insurance premium calculation device

Abstract

The present disclosure provides a vehicle insurance premium calculation device capable of reducing the burden of repair costs of insurance companies during hail disasters. A processor (11) of a calculation device (10) executes a determination process and a calculation process. In the determination process, the processor (11) determines the presence or absence of a protective member covering a panel member disposed on the upper surface of the vehicle (20). In the calculation process, the processor (11) calculates a lower premium when the panel member is covered by the protective member than when the panel member is not covered by the protective member.

Description

Technical Field

[0001] This specification discloses a device for calculating vehicle insurance premiums. Background Art

[0002] Patent Documents 1 to 3 disclose protective covers for covering vehicles. By covering the vehicle with the cover, damage to the upper surface of the vehicle during hailstorms can be suppressed.

[0003] Patent Document 1: Japanese Patent Application Publication No. 2019-529241

[0004] Patent Document 2: Japanese Patent Application Laid-Open No. 2023-518289

[0005] Patent Document 3: Japanese Utility Model Registration No. 3111152. Summary of the Invention

[0006] Problems to be solved by the invention

[0007] However, when a vehicle covered by vehicle insurance is damaged by a natural disaster such as a hailstorm, the insurance company may bear the repair costs. Therefore, this specification discloses a vehicle insurance premium calculation device that can reduce the burden of repair costs on the insurance company in the event of a hailstorm.

[0008] Means for solving problems

[0009] This specification discloses a device for calculating vehicle insurance premiums. The device includes a processor. The processor performs a determination process and a calculation process. During the determination process, the processor determines whether a protective member covering a panel disposed on the upper surface of a vehicle is present. During the calculation process, the processor calculates a lower insurance premium when the panel is covered by the protective member compared to when the panel is not covered by the protective member.

[0010] According to the above configuration, by providing a service of reducing insurance premiums, an incentive is obtained to cover the panel member disposed on the upper surface of the vehicle with the protective member.

[0011] Furthermore, during the above-described determination process, the processor may also determine whether the panel member covered by the protective component is included in a panel group. The panel group is formed by panel members welded to the vehicle's frame members. If the panel member included in the panel group is covered by the protective component, the processor calculates a first insurance premium during the calculation process. If only the panel member not included in the panel group is covered by the protective component, the processor calculates a second insurance premium during the calculation process. Here, the first insurance premium is lower than the second insurance premium.

[0012] Replacing the panels included in the panel set sometimes adds to the vehicle's repair history. This increased repair history can reduce the market value of a vehicle. By adopting a fee structure like the one described above, it is possible to suppress the decline in the vehicle's market value.

[0013] Furthermore, in the calculation process, the processor may further calculate a discount rate for the first premium based on a coverage ratio representing a ratio of a top view area of ​​the protective component to a total top view area of ​​each panel member included in the panel group.

[0014] According to the above structure, it is possible to expedite expansion of the protection area of ​​the panel members included in the panel set.

[0015] Furthermore, in the above configuration, a protective film may be attached to the panel member as the protective member. In this case, in the calculation process, the processor calculates the discount rate for the first insurance premium based on the number of laminated sheets of the protective film.

[0016] The more protective films are laminated, the less damage to the panel member is caused. According to the above configuration, it is possible to encourage an increase in the number of protective films laminated to the panel member included in the panel set.

[0017] Effects of the Invention

[0018] According to the vehicle insurance premium calculation device disclosed in this specification, the burden of repair costs on the insurance company can be reduced in the event of a hailstorm. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 This is a top view of a vehicle showing an example in which a protective film is applied to a hood panel.

[0020] Figure 2 This is a top view of a vehicle showing an example in which a roof rack is mounted on the roof panel.

[0021] Figure 3 This figure illustrates the flow of a vehicle rental contract including an application for a vehicle film.

[0022] Figure 4 This figure illustrates the flow of a vehicle rental contract including an application for roof rack installation.

[0023] Figure 5 This is a diagram illustrating the hardware configuration of the vehicle insurance premium calculation device according to the present embodiment.

[0024] Figure 6 This figure illustrates an example of an insurance contract table stored in a vehicle insurance premium calculation device.

[0025] Figure 7A diagram illustrating an example of an insurance premium calculation process executed by a processor of a computing device.

[0026] Figure 8 This is a top view of a vehicle showing an example in which two protective films are laminated on a roof panel.

[0027] Figure 9 This is a top view of a vehicle illustrating how the protective film is attached (using recesses).

[0028] Figure 10 This is a top view of a vehicle illustrating how to apply the protective film (compared to the antenna position).

[0029] Figure 11 This figure illustrates the flow of an automobile insurance contract including an application for a car film.

[0030] Figure 12 This figure illustrates the flow of an automobile insurance contract including an application for roof rack installation. DETAILED DESCRIPTION

[0031] 1. Vehicle structure

[0032] exist Figure 1 2 shows a top view of a vehicle 20. Multiple panels are arranged on the upper surface of the vehicle 20. Specifically, a hood panel 21, roof side panels 22, a roof panel 23, and a tailgate panel 24 are arranged on the upper surface of the vehicle 20. These panels are exposed to the outside of the upper surface of the vehicle 20. Therefore, when hail falls, hailstones may strike these panels.

[0033] The hood panel 21 covers the engine compartment. For example, the rear end of the hood panel 21 in the vehicle's front-to-rear direction is connected to a hinge mechanism (not shown). The tailgate panel 24 is located at the rear end of the vehicle. The tailgate panel 24 forms a portion of the exposed surface of the tailgate.

[0034] The roof panel 23 is a panel member that covers the upper surface of the vehicle cabin. For example, the roof panel 23 has the largest area among the panel members that cover the upper surface of the vehicle 20. Furthermore, the roof side panels 22 are arranged at both ends of the roof panel 23 in the vehicle width direction.

[0035] The vehicle 20 also includes multiple frame components. These include an A-pillar 30, a B-pillar 31, a C-pillar 32, and a roof rail 33. The A-pillar 30 is a pillar located in front of the vehicle cabin. The C-pillar 32 is a pillar located in the rear of the vehicle cabin. The rear end of the A-pillar 30 and the front end of the C-pillar 32 are connected to the roof rail 33. Furthermore, the B-pillar 31 extends downward from the middle of the roof rail 33.

[0036] The outer ends of the roof panel 23 in the vehicle width direction are welded to the A-pillars 30, the roof rails 33, and the C-pillars 32. The inner ends of the roof side panels 22 in the vehicle width direction are also welded to the A-pillars 30, the roof rails 33, and the C-pillars 32.

[0037] Because the roof panel 23 and the roof side panels 22 are welded to the vehicle 20's frame components, they are sometimes considered part of the vehicle frame. Therefore, when the roof panel 23 or the roof side panels 22 are replaced, it is considered that a part of the vehicle frame has been altered. This results in a so-called repair history being added to the vehicle 20. A vehicle 20 with a repair history can reduce its market value.

[0038] As will be described later, the vehicle insurance premium calculation device according to this embodiment calculates a lower insurance premium when the panel is covered by a protective member compared to when the panel is not covered by the protective member. Furthermore, the insurance premium varies depending on the object covered by the protective member.

[0039] For example, Figure 6 In the figure, premium A, premium B, and premium C are shown as insurance premium options. As described later, when the panel members welded to the frame members are covered with protective members, premium C is calculated as the first premium. Furthermore, when only the panel members not welded to the frame members are covered with protective members, premium B is calculated as the second premium. Here, premium C (first premium) is lower than premium B (second premium).

[0040] The above-described fee structure creates an incentive to prioritize covering the panel members welded to the frame members with protective members. In other words, the reduction in the market value of the vehicle can be suppressed through the insurance premium system.

[0041] For example, in vehicles such as high-top station wagons, the roof side panels 22 and roof panel 23 are located high and out of sight. In other words, considering the exterior design of the vehicle 20, covering the roof side panels 22 and roof panel 23 with protective components (particularly the protective film 50) offers little benefit. Therefore, the computing device of this embodiment uses an insurance premium system to encourage users to protect the roof side panels 22 and roof panel 23. As a result, it is possible to minimize the decline in the market value of the vehicle 20.

[0042] For example, in Figure 3 、 Figure 4When the vehicle 20 as exemplified in FIG is used by a user through a lease contract, the leasing company can maintain the asset value of the vehicle 20. Figure 11 、 Figure 12 As illustrated in , the user who is the owner of the vehicle 20 may directly sign a contract with the insurance company. In such a case, the asset value of the vehicle 20 can be maintained for the user.

[0043] 2. Protective components

[0044] As a protective component covering the panel, Figure 1 The protective film 50 is shown in FIG. Figure 2 A roof rack 40 is illustrated in FIG.

[0045] The protective film 50 is a surface protective film adhered to the panel. For example, it is a laminate consisting of an adhesive layer, a base material layer, and a topcoat layer. The protective film 50 is scratch-resistant. For example, during a hailstorm, the protective film 50 will catch the hailstones. In other words, the protective film 50 acts as a cushion.

[0046] The protective film 50 has a specified service life. For example, the protective film 50 has a service life of approximately five years. This service life can also be set as the term of the lease contract. In other words, the lease contract is signed in five-year increments. Alternatively, the service life of the protective film 50 and the term of the lease contract may not be the same.

[0047] exist Figure 1 2 shows an example in which the protective film 50 is attached to the hood panel 21. For example, the protective film 50 is cut in advance to fit the shape of the hood panel 21.

[0048] It requires high technology to stick the protective film 50 along the three-dimensional curved surface of the panel. Figure 3 As in step S14 of FIG. 1 , the protection film 50 is attached in a repair shop.

[0049] exist Figure 2 , a roof rack 40 is exemplified as a protective member covering the panel member. The roof rack 40 includes a base frame 41 and a fitting 42. The roof rack 40 is provided on the roof panel 23.

[0050] The base frame 41 is connected to the frame member of the vehicle. Accessories 42 are mounted on the base frame 41. Figure 2 , a roof rack is exemplified as the attachment 42. Alternatively, a roof box may be mounted on the base frame 41 as the attachment 42 instead of the roof rack.

[0051] By installing the roof rack 40 on the vehicle 20, a portion of the roof panel 23 is covered by the fitting 42. The portion of the roof panel 23 covered by the fitting 42 can be protected from hail.

[0052] 3. Lease contract with vehicle insurance

[0053] For example, the vehicle 20 is rented to the user by a rental company. The usage fee of the rental service includes the vehicle insurance premium. For example, when the user signs a rental contract with the rental company, the insurance company will introduce the vehicle insurance that should be subscribed.

[0054] For example, if the vehicle 20 is damaged by a natural disaster, the insurance company will cover the cost of repairing it. For example, if a panel on the upper surface of the vehicle 20 is damaged by hail, the insurance company will cover the cost of replacing it.

[0055] For the vehicle insurance, the user pays a monthly insurance premium. As the insurance premium, for example, the user is asked Figure 6 , a plan with insurance premiums A, B, and C as exemplified in . Insurance premiums B and C are lower than insurance premium A. Furthermore, insurance premium C is lower than insurance premium B (A>B>C).

[0056] Insurance premium A applies when no protective components are installed on vehicle 20. Insurance premiums B and C apply when protective components are installed on vehicle 20. In other words, if vehicle 20 is equipped with equipment that reduces the insurance company's repair costs, the insurance premium will be reduced.

[0057] Herein, the group of panels welded to the frame members of vehicle 20 is referred to as a panel group. The roof side panels 22 and roof panel 23 are included in the panel group. On the other hand, the hood panel 21 and tailgate panel 24 are not included in the panel group. If the panels included in the panel group are covered by protective components, the lowest insurance premium C applies. If only the panels not included in the panel group are covered by protective components, insurance premium B applies.

[0058] For example, Figure 6 As in the management No. 3, when the roof rack 40 (refer to Figure 2 ) is provided on the roof panel 23, the insurance premium C is applied. In addition, when the protective film 50 is attached to the hood panel 21, as in management No. 2, the insurance premium B is applied.

[0059] That is, when the protective component is installed on a panel member that has undergone replacement work that has increased the repair history, the insurance premium is the cheapest. In this way, the reduction in the market value of the vehicle 20 can be suppressed through the vehicle insurance fee system.

[0060] exist Figure 3 The process of a rental contract in the case of applying a protective film 50 is illustrated in the figure. The user applies for rental services to the rental company (S10). The rental company contacts the insurance company regarding the application for rental services (S11). Upon receiving the contact, the insurance company introduces automobile insurance to the user (S12). Specifically, the insurance company explains to the user the details of the vehicle insurance and the above-mentioned insurance premiums A to C. In addition, in step S12, the insurance company explains to the user that the cost of the protective film 50 and the application fee are borne by the user.

[0061] The user replies to the rental company whether the protective film 50 is required. If the user wishes to apply the protective film 50, the user specifies the panel to which the protective film is to be applied (S13). The user may also specify the area of ​​the protective film.

[0062] If the user wishes to apply protective film 50, the rental company will store the leased vehicle 20 at a repair company. The rental company then entrusts the repair company with the application of protective film 50 ( S14 ). During this entrustment, the rental company will instruct the repair company on the product name of the protective film 50, the area of ​​the protective film 50, the panel to be applied, and the location of the application.

[0063] At the repair company, protective film 50 is applied to the panel of vehicle 20 as instructed (S15). Although not illustrated, after the application, the repair company requests payment for the protective film and labor costs from the user. Furthermore, the repair company sends a work report to the insurance company (S16). The report includes the name of the panel to which protective film 50 was applied. Furthermore, the report includes the number of sheets of protective film 50 applied. Furthermore, the work report includes an overhead image of vehicle 20 after the protective film 50 has been applied.

[0064] The insurance company registers the matters reported by the repair company in a database (S17). That is, the name of the panel to which the protective film 50 is attached, the number of laminated sheets of the protective film 50, and the top view image of the vehicle 20 are registered in the database.

[0065] The insurance company is provided with a vehicle insurance premium calculation device 10 (see Figure 5 The calculation device 10 is based on the insurance premium calculation process described later (refer to Figure 7) to calculate the insurance premium (S18). The calculated insurance premium is notified to the rental company (S19). The rental company calculates the rental fee (monthly charge) including the notified insurance premium (S20).

[0066] The calculated rental fee is notified to the user. In addition, the vehicle 20 is handed over to the user (S21). The user pays the rental fee to the rental company every month (S22). The rental company pays part of the rental fee to the insurance company (S23).

[0067] exist Figure 4 In the example, a roof rack 40 (see Figure 2 ) is installed on the vehicle 20. Figure 3 The same steps as those shown in FIG. are marked with the same symbols. Figure 3 The description of the steps with the same contents as the steps illustrated in the following will be appropriately omitted.

[0068] The insurance company provides the user with an introduction to automobile insurance (S12). After receiving the introduction, the user informs the rental company whether they wish to install a roof rack 40 (S33). If the user wishes to install a roof rack 40, the rental company will check the leased vehicle 20 into the repair shop. The rental company then outsources the installation of the roof rack 40 to the repair shop (S34).

[0069] At the repair shop, the roof rack 40 is installed on the roof panel 23 of the vehicle 20 as requested (S35). Although not shown, after the installation, the repair shop asks the user for payment for the roof rack 40 and the labor costs. Furthermore, the repair shop sends a work report to the insurance company (S36). The report includes a top-down image of the vehicle 20 before and after the roof rack 40 is installed. Furthermore, the report also includes a top-down image of the vehicle 20 after the roof rack 40 is installed.

[0070] The insurance company calculates the vehicle 20 based on the overhead image. Figure 6 The panel group coverage ratio (S37) is shown in FIG. The panel group coverage ratio indicates the ratio of the top view area of ​​the protective member (roof rack 40 or protective film 50) to the total top view area of ​​each panel member included in the panel group.

[0071] For example, the vehicle insurance premium calculation device 10 (refer to Figure 5) The sum of the top-view areas ΣSp of the panel members included in the panel group is calculated based on a top-view image of the vehicle 20 before the roof rack 40 is installed. For example, the computing device 10 uses image recognition technology to calculate the top-view areas of the roof panel 23 and the roof side panels 22.

[0072] The calculation device 10 further calculates the plan view area Sc of the panel group covered by the protective member based on the plan view image of the vehicle 20 after the roof rack 40 is installed. The calculation device 10 further calculates Sc / ΣSp [%] as the panel group coverage ratio.

[0073] The calculation device 10 calculates the insurance premium based on the calculated panel group coverage ratio (S18). The details of the insurance premium calculation process will be described later.

[0074] 4. Vehicle Insurance Contract

[0075] exist Figure 11 、 Figure 12 The flow of signing an automobile insurance contract for a vehicle 20 owned by a user is shown in FIG. Figure 3 as well as Figure 4 The description of steps with the same symbols is omitted as appropriate.

[0076] The user applies for automobile insurance from an insurance company (S110). Upon receiving the application, the insurance company provides the user with information about automobile insurance (S112). Specifically, the insurance company explains to the user the details of the vehicle insurance and the aforementioned premiums A through C. Furthermore, in step S112, the insurance company explains to the user that the cost of the protective film 50 and the application fee are the user's responsibility.

[0077] If the user wishes to apply the protective film 50, the user parks the vehicle 20 at a repair shop. The user then requests the repair shop to apply the protective film 50 ( S114 ). During this request, the user specifies the product name of the protective film 50, the area of ​​the protective film 50, the panel to which the film is to be applied, and the location where the film is to be applied.

[0078] Then, after Figure 3 The insurance premium is calculated by the same steps S15 to S18. The calculated insurance premium is notified to the user (S119). The user pays the insurance premium to the insurance company (S123).

[0079] exist Figure 12 In the example, a roof rack 40 (see Figure 2 ) is installed on the vehicle 20. Figure 4 as well as Figure 11The same steps as those shown in the figure are marked with the same symbols.

[0080] and Figure 11 Similarly, after steps S110 and S112, the user stores the vehicle 20 at a repair shop and then instructs the repair shop to install the roof rack 40 (S134).

[0081] Then, after Figure 4 The insurance premium is calculated by repeating the same steps S35, S36, S37, and S18. The calculated insurance premium is notified to the user (S119). The user pays the insurance premium to the insurance company (S123).

[0082] 5. Vehicle insurance premium calculation device

[0083] exist Figure 5 , a vehicle insurance premium calculation device 10 according to this embodiment is illustrated. The calculation device 10 is configured, for example, as a computer. The calculation device 10 includes a CPU 11, RAM 12, ROM 13, storage 14, an input / output controller 15, and a display unit 16. Furthermore, the calculation device 10 is connected to an input device 17. The input device 17 is, for example, a keyboard or a mouse.

[0084] CPU 11 is a central processing unit, also known as a processor. RAM 12 is a volatile storage device that temporarily stores working data. ROM 13 is a storage device from which data can be read. Storage 14 is a storage device from which data can be exported and read. Storage 14 is comprised of, for example, an HDD (Hard Disk Drive) or an SSD (Solid State Drive).

[0085] The CPU 11 (processor) executes the program stored in the ROM 13 or the storage 14. Thus, the CPU 11 can execute the following operations: Figure 7 The insurance premium calculation process is as shown in FIG. In addition, the storage 14 generates Figure 6 The insurance contract form shown in .

[0086] The insurance contract table records data related to vehicle insurance subscription status. Fields in the insurance contract table include user name, vehicle ID, presence of protective film, presence of roof rack, panel set coverage, number of films, insurance premium plan, and discount rate.

[0087] The vehicle ID records, for example, the registration number of the vehicle 20. The items of whether or not there is a protective film and whether or not there is a roof rack are based on Figure 3 Step S16 and Figure 4The panel group coverage is input by the working report of step S36. Figure 3 Step S17 and Figure 4 The insurance premium plan and discount rate are calculated by the calculation process of step S37. Figure 7 The insurance premium calculation process is used for calculation.

[0088] 6. Insurance premium calculation process

[0089] The CPU 11 of the computing device 10 (see Figure 5 ) Execute for newly registered users in the insurance contract table Figure 7 The insurance premium is calculated by following the insurance premium calculation process illustrated in the above. The CPU 11 determines whether the new user meets the conditions for joining the panel insurance special contract (S50).

[0090] In this step (determination process), the presence or absence of protective components covering the panels placed on the upper surface of vehicle 20 is determined. In this determination process, for example, if a protective film 50 is desired to be applied to the rental vehicle 20 when enrolling in vehicle insurance, the conditions for enrolling in a special contract for panel insurance are met. Furthermore, if a roof rack 40 is desired to be installed on the rental vehicle 20 when enrolling in vehicle insurance, the conditions for enrolling in a special contract for panel insurance are met.

[0091] If the new user does not meet the conditions for joining the panel insurance special contract, he / she selects premium A (S51, S52). As mentioned above, premium A is higher than premium B and premium C.

[0092] On the other hand, if the new user meets the conditions for joining the special contract for panel insurance, the CPU 11 determines whether the panel covered by the protective member (roof rack 40 or protective film 50) is included in the panel group (S53). In this step, the CPU 11 determines whether the panel group coverage rate is 0%.

[0093] When the panel group coverage is 0%, the hood panel 21 (see Figure 1 ) etc., which are not included in the panel set, are covered by the protective member. In such a case, the calculation device 10 performs a calculation process of the insurance premium B applicable to the new user (S58, S59).

[0094] On the other hand, if the panel group coverage is not 0%, that is, the panel member covered by the protective member is included in the panel group. In this case, the calculation device 10 calculates the insurance premium C applicable to the new user (S54).

[0095] Here, the contents of step S53 may be modified to select insurance premium C when the panel group coverage ratio is such that the protective component substantially protects the panel members. In other words, insurance premium C may be applied based on whether the panel members included in the panel group are sufficiently covered by the protective component. For example, insurance premium C may be applied when the panel group coverage ratio is greater than 30%.

[0096] Then, the CPU 11 continues to perform the calculation process. The CPU 11 calculates the discount rate 1 based on the panel group coverage rate (S55). For example, referring to Figure 6 In the example of management No. 5, when the panel group coverage rate exceeds 50%, 10% is applied as the discount rate 1. Figure 6 In the management No. 4 row illustrated in FIG, when the panel group coverage is 50% or less, the discount rate 1 is set to 0%.

[0097] Next, as a calculation process, the CPU 11 calculates the discount rate 2 based on the number of laminated sheets of the protective film (S56). The protective film 50 can be overlapped and pasted in two or three sheets. The more laminated sheets of the protective film 50 are, the less damage to the panel member. For example, referring to Figure 6 In the management No. 6 row illustrated in FIG, when the number of laminated protective films 50 is two or more, the discount rate 2 is set to 15%.

[0098] Next, as calculation processing, the CPU 11 calculates the final insurance premium based on the calculation results of steps S54, S55, and S56 (S57). That is, the insurance premium required from the user each month is obtained by the formula: insurance premium C×(100%-(discount rate 1+discount rate 2)).

[0099] As described above, according to the vehicle insurance premium calculation device according to the present embodiment, an incentive is obtained to cover the panel material disposed on the upper surface of the vehicle with a protective member by providing a service of reducing the insurance premium.

[0100] 7. Example of applying protective film

[0101] exist Figure 8 2 shows a vehicle 20 with protective film 50 applied. In this example, protective film 50 is applied to all panels arranged on the upper surface of vehicle 20. Specifically, protective film 50A is applied to the entire surface of hood panel 21. Furthermore, protective film 50B is applied to the entire surface of roof side panel 22. Furthermore, protective film 50D is applied to the entire surface of tailgate panel 24.

[0102] In addition to the above, the two protective films 50C1 and 50C2 are attached to the entire surface of the roof panel 23. That is, the roof panel 23 is more securely protected than other panel members.

[0103] exist Figure 9 50 is affixed only to the roof panel 23. In this example, three protective films 50E to 50G are affixed to the roof panel 23.

[0104] For example, the protective film 50 may be cut to cover another vehicle, and the remaining portion may be glued together to protect the roof panel 23. In such a glueing example, the cost of the film can be kept lower than if the entire surface of the roof panel 23 is covered with a single protective film 50.

[0105] For example, the upper surface (exposed surface) of the roof panel 23 may be a concave-convex structure in order to improve the surface rigidity. Figure 9 As illustrated in the enlarged cross-sectional view of FIG, the side ends 50F1 and 50G1 of the protective films 50F and 50G overlap in the groove portion of the concavo-convex structure. The overlapping side ends 50F1 and 50G1 are raised relative to the surrounding area. However, by overlapping the side ends 50F1 and 50G1 in the groove portion of the roof panel 23, the raised structure of the laminated film is difficult to visually confirm.

[0106] exist Figure 10 The figure shows a protective film 50H with positioning holes 50H1. Positioning holes 50H1 match the shape of antenna 23A, which is located on roof panel 23. When attaching protective film 50H, antenna 23A is inserted into positioning holes 50H1. This ensures that protective film 50H is accurately positioned on roof panel 23.

[0107] Explanation of symbols

[0108] 10…computing device; 11…CPU (processor); 20…vehicle; 21…hood panel; 22…roof side panels, 23…roof panel; 24…tailgate panel; 40…roof rack (protective component); 50…protective film (protective component).

Claims

1. A vehicle insurance premium calculation device comprising a processor, wherein: The processor performs the following processing, namely: a determination process for determining the presence or absence of a protective member covering a panel member disposed on an upper surface of the vehicle; A calculation process is performed to calculate a lower amount of insurance premium when the panel member is covered by the protective component compared to when the panel member is not covered by the protective component.

2. The vehicle insurance premium calculation device according to claim 1, wherein: In the determination process, the processor determines whether the panel member covered by the protective member is included in a panel group formed by the panel member welded to a frame member of a vehicle. In the calculation process, the processor calculates a first insurance premium when the panel member included in the panel set is covered by the protective member. In the case where only the panel member not included in the panel group is covered by the protective member, in the calculation process, the processor calculates a second insurance premium. The first insurance premium is lower than the second insurance premium.

3. The vehicle insurance premium calculation device according to claim 2, wherein: In the calculation process, the processor calculates a discount rate for the first insurance premium based on a coverage ratio representing a ratio of a top-view area of ​​the protective component to a sum of top-view areas of the panel members included in the panel group.

4. The vehicle insurance premium calculation device according to claim 2, wherein: A protective film is attached to the panel member as the protective member. In the calculation process, the processor calculates a discount rate with respect to the first insurance premium based on the number of laminated sheets of the protective film.

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