Insurance premium calculation device

Abstract

To provide a mechanism for suppressing an insurance premium for a driver with little driving experience.SOLUTION: A insurance premium calculation device 100 comprises: a traveling information acquisition section 110 that acquires traveling information including position information and acceleration information of a traveling vehicle and function state information indicating whether or not a safety function included in the vehicle is valid together with a vehicle ID of the vehicle; a driving skill information generation section 120 that generates driving skill information indicating driving skill of the driver for each vehicle ID on the basis of at least the acceleration information; an insurance premium calculation section 150 that calculates an insurance premium on the basis of the driving skill information generated by the driving skill information generation section 120; and a discount insurance premium calculation section 151 that calculates a discount insurance premium obtained by subtracting a predetermined discount amount from the insurance premium calculated by the insurance premium calculation section 150 when the driving skill information is lower than a predetermined threshold, and the function state information indicates validity.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present invention relates to a premium calculation device for calculating the premium of automobile insurance.

Background Art

[0002] As this type of device, a technology is known in which the excellence level of a driver's driving skill, driving tendency, etc. is determined based on information from a G-sensor mounted on a vehicle, and insurance information regarding the insurance content of the driver is generated according to the determination result (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, since the driving skill of a driver with little driving experience such as a beginner is determined to be low, there is a risk that the insurance premium will be estimated high. Therefore, there is a need for a mechanism to keep the insurance premium low for drivers who are not used to driving, in addition to raising the insurance grade over several years.

Means for Solving the Problems

[0005] An insurance premium calculation device according to one aspect of the present invention includes a driving information acquisition unit that acquires driving information including position information and acceleration information of a traveling vehicle, and function state information indicating whether a safety function provided in the vehicle is valid, together with a vehicle ID of the vehicle; a driving skill information generation unit that generates driving skill information indicating a driver's driving skill for each vehicle ID based on at least the acceleration information; an insurance premium calculation unit that calculates an insurance premium based on the driving skill information generated by the driving skill information generation unit; and a discounted insurance premium calculation unit that calculates a discounted insurance premium obtained by subtracting a predetermined discount amount from the insurance premium calculated by the insurance premium calculation unit when the driving skill information is lower than a predetermined threshold and the function state information indicates valid.

Effect of the Invention

[0006] According to the present invention, it becomes possible to provide a mechanism for suppressing the insurance premium for a driver with little driving experience.

Brief Description of the Drawings

[0007]

Figure 1

Figure 2

Figure 3

Figure 4

Embodiments for Carrying Out the Invention

[0008] As an example, an insurance premium calculation device according to an embodiment of the invention calculates a discounted insurance premium obtained by subtracting a predetermined discount amount from the insurance premium corresponding to the driving skill when the safety function provided in the vehicle is in an effective state even if the driver's driving skill is lower than a predetermined standard.

[0009] In evaluating a driver's driving skills, accelerations in the longitudinal (front-rear) and lateral (left-right) directions caused by sudden acceleration, sudden deceleration, and sudden steering are detected. It is judged that the smaller these detected values are, the higher the driving skills, and the larger the detected values are, the lower the driving skills. However, in the case of a driver with little driving experience, even though they are not suddenly accelerating or decelerating, the output value of the acceleration sensor may become large. Therefore, the insurance premium calculation device often calculates a high insurance premium for a driver with little driving experience. In the present embodiment, paying attention to the above points, an insurance premium calculation device that suppresses the insurance premium under predetermined conditions for a driver with little driving experience will be described. Drivers with little driving experience may include, for example, drivers who have owned a vehicle for a short time, drivers who sometimes use a car-sharing service, and drivers whose driving skills are underestimated by the calculation of insurance premiums using conventional techniques.

[0010] <Overall Configuration of Driving Evaluation System> FIG. 1 is a schematic diagram illustrating the overall configuration of an insurance premium calculation system 1 including an insurance premium calculation device according to an embodiment. As shown in FIG. 1, the insurance premium calculation system 1 includes a server device 100 that functions as an insurance premium calculation device and a plurality of in-vehicle devices 30 mounted on a plurality of vehicles 20. The server device 100 and the plurality of in-vehicle devices 30 can communicate with each other via a network 2.

[0011] The network 2 includes not only a public wireless communication network typified by the Internet or a mobile phone network but also a closed communication network provided for each predetermined management area, such as a wireless LAN, Wi-Fi (registered trademark), Bluetooth (registered trademark), etc. The server device 100 is configured, for example, as a single server or as a distributed server composed of separate servers for each function. The server device 100 can also be configured as a distributed virtual server created in a cloud environment called a cloud server.

[0012] As the vehicle 20, vehicle 20A, vehicle 20B, and vehicle 20C are exemplified. However, the number of vehicles 20 is not limited to three, and may be one or two, or four or more.

[0013] Each vehicle 20 is assigned a unique identification ID (vehicle ID), and the vehicle type and vehicle class can also be specified using the vehicle ID. The vehicle ID is, for example, a VIN (Vehicle Identification Number). The vehicle ID is associated with a unique identification ID (driver ID) of the driver who uses the vehicle 20, and the vehicle 20 can also be specified using the driver ID. The association may be referred to as a correlation.

[0014] In the embodiment, the road on which the vehicle 20 travels is divided into predetermined road areas. The road area may be a road for each area divided as an administrative district such as a municipality or a prefecture. For example, roads with road names such as Municipal Road △△ and Prefectural Road □□ are applicable. Also, the road area may be wider than the administrative district. For example, when a road extends from City A to City B adjacent to each other, the road area may include two administrative districts (City A and City B). Furthermore, the road area may be narrower than the administrative district. For example, a road with a name of an area narrower than the administrative district attached as a road name is applicable.

[0015] Furthermore, the road area may be divided by the administrator of the road. For example, the road area in the case of a national highway is the entire country, and the road area in the case of a village road corresponds to the entire village.

[0016] <In-vehicle device> In the embodiment, it is assumed that the configurations of the in-vehicle devices 30 of the vehicle 20A, the vehicle 20B, and the vehicle 20C in FIG. 1 are the same as each other. FIG. 2 is a block diagram illustrating a schematic configuration of the in-vehicle device 30. As shown in FIG. 2, the in-vehicle device 30 includes a positioning sensor 31, a sensor group 32, a communication unit 33, and a controller 35. The positioning sensor 31, the sensor group 32, and the communication unit 33 are each communicably connected to the controller 35.

[0017] The positioning sensor 31 receives positioning signals transmitted from positioning satellites. The positioning satellites are artificial satellites such as GPS satellites and quasi-zenith satellites, and the current position (latitude, longitude, altitude) of the vehicle 20 can be detected using the positioning information from the positioning satellites received by the positioning sensor 31. Therefore, the positioning sensor 31 functions as a position detection unit that detects the position of the vehicle 20.

[0018] The sensor group 32 is a general term for a plurality of sensors that detect the driving state of the vehicle 20. The sensor group 32 includes an acceleration sensor 321 that detects the acceleration of the vehicle 20, a vehicle speed sensor 322 that detects the driving speed of the vehicle 20, and a steering angle sensor 323 that detects the steering angle of the steering wheel.

[0019] The controller 35 is an electronic control unit configured to include a computer having a CPU, a ROM, a RAM, and other peripheral circuits. The controller 35 can read signals from the positioning sensor 31 and the sensor group 32 at a predetermined period.

[0020] The controller 35 associates time information (which may also be called date and time information) with the position data of the vehicle 20 detected by the positioning sensor 31 to generate position information of the vehicle 20. Further, the controller 35 associates time information with the acceleration data detected by the acceleration sensor 321 to generate acceleration information. Furthermore, the controller 35 associates time information with the vehicle speed data detected by the vehicle speed sensor 322 to generate vehicle speed information. Additionally, the controller 35 associates time information with the steering angle data detected by the steering angle sensor 323 to generate steering angle information. The position information, acceleration information, vehicle speed information, and steering angle information generated by the controller 35 can be stored in a storage unit (not shown) within the controller 35 as driving information of the vehicle 20. Also, the function state information and valid time information described later can be stored in the storage unit (not shown) within the controller 35 together with the driving information.

[0021] The controller 35 includes an ECU 351 for ADAS (Advanced Driver-Assistance Systems). ADAS is a general term for driving assistance functions that enable the vehicle 20 to recognize surrounding information, display and / or warn the driver, and control the vehicle 20 in order to achieve driver safety and comfort. The ECU 351 controls at least one or more functions among, for example, ACC (Adaptive Cruise Control), FCW (Forward Collision Warning), AEBS (Automatic Emergency Braking System), Night Vision, Pedestrian Detection, Traffic Sign Recognition, Lane Departure Warning, LKAS (Lane Keeping Assist System), Blind Spot Monitoring, and Driver Monitoring. Note that the ECU 351 may be divided into a plurality of units, each corresponding to a different function. The ECU 351 can detect for each function whether the driving assistance function provided in the vehicle 20 is set to an effective state (function on). Information indicating whether the driving assistance function is in an effective state is called function status information. Also, when the driving assistance function is set to an invalid state (function off), the ECU 351 can set the function to an effective state (function on) according to an instruction from the controller 35.

[0022] The communication unit 33 communicates with the server device 100 via the network 2 according to a command from the controller 35. Thereby, the time-series driving information acquired by the vehicle 20, the function status information, and the valid time information can be transmitted to the server device 100 with a vehicle ID attached. The valid time information refers to the time when the safety function of the vehicle 20 was set to an effective state. The driving distance of the vehicle 20 that has traveled in a state where the safety function is effective may be called valid distance information. The communication unit 33 transmits, for example, the driving information, function status information, and valid time information of the vehicle 20 to the server device 100 at a predetermined cycle while the vehicle 20 is running (in other words, while the ignition switch is on). Note that the communication unit 33 can also transmit the driving information, functional state information, and valid time information of the vehicle 20 to the server device 100 at a predetermined timing in accordance with a request from the server device 100.

[0023] <Server device> FIG. 3 is a block diagram illustrating a schematic configuration of the server device 100. The server device 100 includes a CPU that performs various calculations, a memory that stores various data and programs, a storage device, and the like. Functionally, the server device 100 includes a driving information acquisition unit 110, a driving skill information generation unit 120, a storage unit 130, a driving skill information correction unit 140, an insurance premium calculation unit 150, and a communication unit 160.

[0024] When the communication unit 160 and the communication unit 33 of the vehicle 20 are communicating, the driving information acquisition unit 110 acquires driving information, functional state information, and valid time information from the vehicle 20 driven by the driver Y (automobile insurance policyholder or applicant) via the communication unit 160. The driving information includes the vehicle ID, position information, acceleration information, vehicle speed information, and steering angle information of the vehicle 20 as described above. The server device 100 records the driving information, functional state information, and valid time information acquired from the vehicle 20 in the policyholder information storage unit 131 of the storage unit 130 for each driver ID of the driver Y associated with the vehicle ID of the vehicle 20. In other words, the driving information, functional state information, and valid time information are accumulated for each driver ID.

[0025] Also, the driving condition information acquisition unit 110 acquires, at a predetermined timing, the driving condition information, functional status information, and valid time information of the vehicle 20 associated with the driver ID of driver Y, which are stored in the contractor information storage unit 131. The timing at which the driving condition information acquisition unit 110 acquires the driving condition information, functional status information, and valid time information of the vehicle 20 from the contractor information storage unit 131 is, for example, the time when the operator Z that operates the vehicle insurance business and manages the server device 100 concludes (including renewal) an automobile insurance contract with driver Y. The driving condition information of the vehicle 20 acquired from the contractor information storage unit 131 is used by the driving skill information generation unit 120 described later. Also, the functional status information and valid time information of the vehicle 20 acquired from the contractor information storage unit 131 are used by the discounted insurance premium calculation unit 151 described later.

[0026] The driving skill information generation unit 120 generates driving skill information indicating the driving skill of driver Y of the vehicle 20 by comparing driving characteristics (such as average speed, sudden deceleration, sudden acceleration, sudden steering, etc.) derived using at least the acceleration information among the driving condition information of the vehicle 20 acquired by the driving condition information acquisition unit 110 with a predetermined reference value. The driving skill information is divided into, for example, 10 levels from the highest rank 10 to the lowest rank 1.

[0027] The storage unit 130 includes a contractor information storage unit 131 and a map information storage unit 132. [[ID=IO]]The contractor information storage unit 131 stores, for each driver ID, as contract information between the operator Z and driver Y, the vehicle ID of the vehicle 20 used by driver Y, the location information of the home (garage) of driver Y and others where the vehicle 20 is stored, etc. The contractor information storage unit 131 further stores the driving skill information of driver Y for each driver ID. Also, when the communication unit 160 and the communication unit 33 of the vehicle 20 are communicating as described above, the contractor information storage unit 131 stores the driving condition information, functional status information, and valid time information of the vehicle 20 acquired via the communication unit 160 for each driver ID corresponding to the vehicle ID.

[0028] The map information storage unit 132 stores map information including a road map and a driving skill correction value for correcting driving skill information. The road map includes, for example, road position information, road shape (such as curvature) information, intersection and branch point position information, and the like. The driving skill correction value is a correction value for correcting the driving skill information generated by the driving skill information generation unit 120 to an appropriate value that suppresses the influence of the state of the road surface on which the vehicle is traveling, and is set in advance for each predetermined road area on which the vehicle 20 travels. More specifically, a dedicated vehicle equipped with a measuring device for measuring the road surface roughness in advance is run on each road area, and correction values corresponding to the road surface roughness for each road area are set respectively.

[0029] The driving skill information correction unit 140 corrects the driving skill information generated by the driving skill information generation unit 120 for each vehicle ID using the above-described driving skill correction value. The driving skill correction value used by the driving skill information correction unit 140 for correcting the driving skill information is the driving skill correction value corresponding to the road area on which the vehicle 20 has traveled. The driving skill information correction unit 140 acquires the driving skill correction value corresponding to the road area based on the position information of the vehicle 20 from the map information storage unit 132 of the storage unit 130.

[0030] By performing the above-described correction by the driving skill information correction unit 140, the rougher the road surface of the road RD on which the vehicle 20 travels, the more the driving skill information is corrected to higher driving skill information than before the correction. Conversely, the smoother the road surface of the road RD on which the vehicle 20 travels, the smaller the correction amount for the driving skill information. In addition, when the road surface roughness is equal to or less than a predetermined threshold value, the correction amount for the driving skill information may be 0 (zero), in other words, the driving skill correction value may be set to 0.

[0031] The insurance premium calculation unit 150 analyzes the accident risk by the driver Y with reference to the predetermined insurance premium calculation reference information based on the corrected driving skill information (if correction is not required, the driving skill information generated by the driving skill information generation unit 120), and calculates insurance premiums with different premium rates according to the analysis results. The insurance premium calculation unit 150 includes a discounted insurance premium calculation unit 151. When the driving skill information corrected by the driving skill information correction unit 140 (or the driving skill information generated by the driving skill information generation unit 120 if correction is not required) is lower than a predetermined threshold value, and it is detected by the ECU 351 that the driving support function provided in the vehicle 20 is set to an effective state (function on), the discounted insurance premium calculation unit 151 calculates a discounted insurance premium by subtracting a predetermined discount amount from the normal insurance premium calculated by the insurance premium calculation unit 150. The state where the driving support function is effective means, for example, a case where at least one or more functions among adaptive cruise control, forward collision warning, collision damage mitigation control device, night vision, pedestrian detection, traffic sign recognition, lane departure warning, lane departure prevention support device, blind spot monitoring, and driver monitoring are effective as safety functions. The discounted insurance premium calculation unit 151 increases the discount amount of the insurance premium as the number of safety functions indicating effectiveness in the vehicle 20 driven by the driver Y increases, or increases the discount amount of the insurance premium as the time during which the safety function is set to the effective state (i.e., effective time information) is longer among the time when the driver Y drives the vehicle 20.

[0032] The communication unit 160 communicates with the communication unit 33 of the in-vehicle device 30 via the network 2, and receives necessary information including the driving information of the vehicle 20 periodically or at an arbitrary timing. The communication unit 160 can also transmit necessary information to the vehicle 20. For example, it transmits a signal for enabling at least one or more of the above safety functions to the corresponding vehicle 20. In addition, the communication unit 160 can communicate with a server device (not shown) of the operator Z via the network 2.

[0033] <Explanation of the flowchart> FIG. 4 is a flowchart showing an example of processing executed by the CPU of the server device 100 according to a program recorded in advance in the storage unit 130. The processing shown in this flowchart is executed by the server device 100 for each driver ID or each vehicle ID at a predetermined timing such as, for example, when the above-described business operator Z and the driver Y conclude an automobile insurance contract (including renewal).

[0034] In step S10, the server device 100 acquires the driving information of the vehicle 20 used by the driver Y and proceeds to step S20. Specifically, the driving information acquisition unit 110 reads out the driving information, function status information, and valid time information of the vehicle 20 associated with the driver ID of the driver Y from the contractor information storage unit 131 in the storage unit 130.

[0035] In step S20, the server device 100 generates driving skill information indicating the driving skill of the driver Y of the vehicle 20 based on at least the acceleration information among the driving information of the vehicle 20 by the driving skill information generation unit 120 and proceeds to step S30. When correcting the driving skill information using the driving skill correction value corresponding to the road area based on the position information of the vehicle 20, when the driving skill information generated by the driving skill information generation unit 120 is corrected by the driving skill information correction unit 140, it proceeds to step S30.

[0036] In step S30, the server device 100 calculates the insurance premium for the driver Y based on the driving skill information by the insurance premium calculation unit 150 and proceeds to step S40.

[0037] In step S40, the server device 100 determines whether or not it satisfies a predetermined condition for calculating a discounted insurance premium. When the driving skill information generated by the driving skill information generation unit 120 is lower than a predetermined threshold value and the functional state information indicates validity, the server device 100 makes an affirmative determination in step S40 and proceeds to step S50. When the driving skill information generated by the driving skill information generation unit 120 is equal to or higher than a predetermined threshold value, or when the functional state information indicates invalidity, the server device 100 makes a negative determination in step S40 and ends the process according to FIG. 4. When making a negative determination in step S40, the server device 100 records the insurance premium calculated in step S30 in the contract holder information storage unit 131 in the storage unit 130.

[0038] In step S50, the server device 100 calculates a discounted insurance premium by subtracting a predetermined discount amount from the insurance premium calculated by the insurance premium calculation unit 150 by the discounted insurance premium calculation unit 151, and ends the process according to FIG. 4. The calculated discounted insurance premium is recorded by the server device 100 in the contract holder information storage unit 131 in the storage unit 130.

[0039] According to the embodiment described above, the following operational effects can be obtained. (1) The server device 100 as an insurance premium calculation device includes a driving information acquisition unit 110 that acquires driving information including the position information and acceleration information of the traveling vehicle 20, and functional state information indicating whether or not a safety function provided in the vehicle 20 is valid, together with the vehicle ID of the vehicle 20; a driving skill information generation unit 120 that generates driving skill information indicating the driving skill of the driver Y for each vehicle ID based on at least the acceleration information; an insurance premium calculation unit 150 that calculates an insurance premium based on the driving skill information generated by the driving skill information generation unit 120; and a discounted insurance premium calculation unit 151 that calculates a discounted insurance premium by subtracting a predetermined discount amount from the insurance premium calculated by the insurance premium calculation unit 150 when the driving skill information is lower than a predetermined threshold value and the functional state information indicates validity. With such a configuration, for driver Y whose driving skill is determined to be lower than the above threshold, when the functional status information indicates effectiveness, it becomes possible to calculate a discounted insurance premium lower than the insurance premium calculated by the insurance premium calculation unit 150. As a result, it is possible to provide a mechanism for suppressing the insurance premium at a low level if a predetermined condition is satisfied, without uniformly calculating a high insurance premium for driver Y whose driving skill is determined to be low.

[0040] (2) In the server device 100 of (1) above, the driving skill information generation unit 120 generates driving skill information indicating that the driving skill is lower as the acceleration information is larger. With such a configuration, for driver Y who is determined to have a low driving skill because the output value of the acceleration sensor becomes large despite not performing sudden acceleration or sudden deceleration, it is possible to provide a mechanism for suppressing the insurance premium at a low level if a predetermined condition is satisfied, without uniformly calculating a high insurance premium.

[0041] (3) In the server device 100 of (2) above, the functional status information indicates whether at least one or more functions among adaptive cruise control, forward collision warning, collision damage mitigation control device, night vision, pedestrian detection, traffic sign recognition, lane departure warning, lane departure prevention support device, blind spot monitoring, and driver monitoring are effective as safety functions, and the discounted insurance premium calculation unit 151 increases the discount amount of the insurance premium as the number of effective safety functions is larger. With such a configuration, it becomes possible to encourage the use (activation of functions) of the safety functions provided in the vehicle 20 for driver Y. In addition, since the accident risk is reduced by the use of the safety functions, it becomes possible to further increase the discount amount according to the number of safety functions indicating effectiveness.

[0042] (4) In the server device 100 of (3) above, the driving information acquisition unit 110 further acquires the time during which the functional status information indicates effectiveness as effective time information, and the discounted insurance premium calculation unit 151 increases the discount amount of the insurance premium as the effective time information is longer. With such a configuration, it becomes possible to encourage the driver Y to use (activate the functions) of the safety functions provided in the vehicle 20. In addition, since the accident risk is reduced by activating the safety functions, the longer the activation time information is, the larger the discount amount can be made compared to the case where the activation time information is short.

[0043] (5) In the server device 100 described in (1) to (4) above, when the driving skill information is lower than a predetermined threshold value and the function status information indicates invalid, the communication unit 160 is provided as an information transmission unit that transmits a signal for activating at least one or more functions of the safety function to the corresponding vehicle 20. With such a configuration, it becomes possible to send a signal for activating the safety function provided in the vehicle 20 to the vehicle 20. Since the accident risk is reduced by using the safety function, it becomes possible to obtain the basis for the discount amount in the future.

[0044] The above embodiment can be modified into various forms. Hereinafter, modification examples will be described. (Modification Example 1) In the embodiment, a configuration for evaluating the driving skill of the driver Y based on the detection signal of the acceleration sensor of the vehicle 20 is illustrated. However, the driving skill of the driver Y may be evaluated based on the steering information, which is the operation information of the steering wheel of the vehicle 20. Also, the driving skill of the driver Y may be evaluated based on both the detection signal of the acceleration sensor and the steering information. Furthermore, the driving skill may be evaluated using the accelerator operation amount, the brake operation amount, etc.

[0045] (Modification Example 2) In the above embodiment, an example in which the server device 100 constitutes the insurance premium calculation device has been described. However, the insurance premium calculation device can also be constituted by other than the server device 100. For example, the insurance premium calculation device may be constituted by a plurality of devices (the server device 100 and the in-vehicle device 30).

[0046] The above description is merely an example, and the present invention is not limited to the above-described embodiments and modifications as long as the features of the present invention are not impaired. It is also possible to arbitrarily combine one or more of the above embodiments and modifications.

Explanation of Signs

[0047] 20, 20A, 20B, 20C vehicles, 30 in-vehicle device, 31 positioning sensor, 32 sensor group, 33 communication unit, 35 controller, 100 server device, 110 driving information acquisition unit, 120 driving skill information generation unit, 130 storage unit, 131 contractor information storage unit, 132 map information storage unit, 140 driving skill information correction unit, 150 insurance premium calculation unit, 151 discounted insurance premium calculation unit, 160 communication unit, 351 ECU, RD road, Y driver, Z operator

Claims

1. A driving information acquisition unit that acquires driving information including position information and acceleration information of a moving vehicle, and function status information indicating whether a safety function provided in the vehicle is valid, together with the vehicle ID of the vehicle; A driving skill information generation unit that generates driving skill information indicating the driving skill of a driver for each vehicle ID based on at least the acceleration information; An insurance premium calculation unit that calculates an insurance premium based on the driving skill information generated by the driving skill information generation unit; A discounted insurance premium calculation unit that calculates a discounted insurance premium obtained by subtracting a predetermined discount amount from the insurance premium calculated by the insurance premium calculation unit when the driving skill information is lower than a predetermined threshold and the function status information indicates valid; An insurance premium calculation device, comprising the above.

2. In the insurance premium calculation device according to Claim 1, the driving skill information generation unit generates the driving skill information indicating that the higher the acceleration information, the lower the driving skill; An insurance premium calculation device, characterized by the above.

3. In the insurance premium calculation device according to Claim 2, the function status information indicates whether at least one or more functions among adaptive cruise control, forward collision warning, collision damage mitigation control device, night vision, pedestrian detection, traffic sign recognition, lane departure warning, lane departure prevention support device, blind spot monitoring, and driver monitoring are valid as the safety function; the discounted insurance premium calculation unit increases the discount amount of the insurance premium as the number of the safety functions indicating valid is larger; An insurance premium calculation device, characterized by the above.

4. In the insurance premium calculation device according to Claim 3, the driving information acquisition unit further acquires the time when the function status information indicates valid as valid time information; the discounted insurance premium calculation unit increases the discount amount of the insurance premium as the valid time information is longer; An insurance premium calculation device, characterized by the above.

5. In the insurance premium calculation device according to any one of Claims 1 to 4, when the driving skill information is lower than a predetermined threshold and the function status information indicates invalid, an information transmission unit is provided that transmits a signal for enabling at least one or more functions of the safety function to the corresponding vehicle; An insurance premium calculation device, characterized by the above.

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