Vehicle insurance premium calculation device

Abstract

To disclose a vehicle insurance premium calculation device that can reduce repair costs borne by insurance companies in the event of hail damage.SOLUTION: A processor 11 of a calculation device 10 executes determination processing and calculation processing. In the determination processing, the processor 11 determines the presence or absence of a protective component for covering a panel material disposed on a top surface of a vehicle 20. In the calculation processing, if the panel material is covered with the protective component, the processor 11 calculates a smaller insurance premium than an insurance premium calculated when the panel material is not covered with the protective component.SELECTED DRAWING: Figure 7

Description

[Technical Field]

[0001] This specification discloses a vehicle insurance premium calculation device.

[0002] Patent Documents 1 to 3 disclose protective covers for covering a vehicle. Covering a vehicle with a cover can reduce damage to the top surface of the vehicle during hailstorms. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2019-529241 [Patent Document 2] Japanese Patent Application Publication No. 2023-518289 [Patent Document 3] Utility Model Registration No. 3111152 Summary of the Invention [Problem to be solved by the invention]

[0004] In the event that a vehicle covered by vehicle insurance is damaged by a natural disaster such as hail, 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 borne by the insurance company in the event of hail damage. [Means for solving the problem]

[0005] This specification discloses a vehicle insurance premium calculation device. The device includes a processor. The processor executes a determination process and a calculation process. In the determination process, the processor determines whether or not a protective component is present that covers a panel material placed on the top surface of the vehicle. In the calculation process, if the panel material is covered with a protective component, the processor calculates a lower insurance premium compared to if the panel material is not covered with a protective component.

[0006] According to the above configuration, by offering a discount service on insurance premiums, an incentive is given to cover the panel material arranged on the upper surface of the vehicle with the protective part.

[0007] In the above determination process, the processor may determine whether the panel material covered by the protective part is included in a panel group. A panel group is composed of panel materials welded to a vehicle frame part. If a panel material included in the panel group is covered by a protective part, the processor calculates a first insurance premium in the calculation process. Also, if only a panel material not included in a panel group is covered by a protective part, the processor calculates a second insurance premium in the calculation process. Here, the first insurance premium is lower than the second insurance premium.

[0008] Replacing panel materials included in a panel group may give the vehicle a so-called repair history. A vehicle with a repair history will have a lower market value. By adopting the fee structure described above, it is possible to prevent the market value of the vehicle from decreasing.

[0009] In the calculation process, the processor may calculate the discount rate for the first insurance premium based on a cover rate, which indicates the ratio of the planar area of ​​the protective component to the sum of the planar areas of the panels included in the panel group.

[0010] According to the above configuration, there is an incentive to increase the protection area of ​​the panel materials included in the panel group.

[0011] In the above configuration, a protection film may be attached to the panel material as the protective component. In this case, in the calculation process, the processor calculates a discount rate for the first insurance premium based on the number of layers of the protection film.

[0012] The more layers of protection film are laminated, the less damage to the panel material will be. According to the above configuration, there is an incentive to increase the number of layers of protection film for the panel material included in the panel group. [Effects of the Invention]

[0013] The vehicle insurance premium calculation device disclosed in this specification aims to reduce the burden of repair costs borne by insurance companies in the event of hail damage. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a plan view of a vehicle showing an example in which a protection film is attached to a hood panel. [Figure 2] FIG. 1 is a plan view of a vehicle showing an example in which a roof carrier is attached to a roof panel. [Figure 3] FIG. 10 is a diagram illustrating a flow of a vehicle leasing contract including an application for film attachment. [Figure 4] FIG. 10 is a diagram illustrating an example of the flow of a vehicle leasing contract, including an application for carrier installation. [Figure 5] 1 is a diagram illustrating a hardware configuration of a vehicle insurance premium calculation device according to an embodiment of the present invention. [Figure 6] 1 is a diagram illustrating an example of an insurance contract table stored in a vehicle insurance premium calculation device. FIG. [Figure 7] FIG. 10 is a diagram illustrating an example of an insurance premium calculation flow executed by a processor of the calculation device. [Figure 8] FIG. 1 is a plan view of a vehicle showing an example in which two protection films are laminated on a roof panel. [Figure 9] FIG. 1 is a plan view of a vehicle illustrating how to apply a protection film (using a recess). [Figure 10] FIG. 2 is a plan view of a vehicle illustrating how to apply the protection film (antenna alignment). [Figure 11] FIG. 10 is a diagram illustrating an example of the flow of an automobile insurance contract, including an application for film attachment. [Figure 12] FIG. 10 is a diagram illustrating an example of the flow of an automobile insurance contract, including an application for carrier installation. DETAILED DESCRIPTION OF THE INVENTION

[0015] 1. Vehicle structure 1 illustrates a plan view of a vehicle 20. A plurality of panel materials are arranged on the upper surface of the vehicle 20. Specifically, a hood panel 21, a roof side panel 22, a roof panel 23, and a back door panel 24 are arranged on the upper surface of the vehicle 20. These panel materials are exposed to the outside on the upper surface of the vehicle 20. Therefore, during a hailstorm, hailstones hit these panel materials.

[0016] The hood panel 21 covers the engine compartment. For example, the rear end of the hood panel 21 in the vehicle longitudinal direction is connected to a hinge mechanism (not shown). The back door panel 24 is disposed at the rear end of the vehicle. The back door panel 24 forms part of the exposed surface of the back door.

[0017] The roof panel 23 is a panel material that covers the upper surface of the vehicle interior. For example, among the panel materials that cover the upper surface of the vehicle 20, the roof panel 23 has the largest area. Furthermore, roof side panels 22 are arranged on both ends of the roof panel 23 in the vehicle width direction.

[0018] The vehicle 20 also includes a plurality of frame components. The frame components include an A-pillar 30, a B-pillar 31, a C-pillar 32, and a roof side rail 33. The A-pillar 30 is a pillar component located at the front of the vehicle interior. The C-pillar 32 is a pillar component located at the rear of the vehicle interior. The roof side rail 33 is connected to the rear end of the A-pillar 30 and the front end of the C-pillar 32. Furthermore, the B-pillar 31 extends downward from the middle portion of the roof side rail 33.

[0019] Both outer ends of the roof panel 23 in the vehicle width direction are welded to the A-pillar 30, the roof side rail 33, and the C-pillar 32. The inner ends of the roof side panels 22 in the vehicle width direction are also welded to the A-pillar 30, the roof side rail 33, and the C-pillar 32.

[0020] Because the roof panel 23 and the roof side panels 22 are welded to the frame components of the vehicle 20, the roof panel 23 and the roof side panels 22 may be considered to be part of the vehicle frame. Therefore, when the roof panel 23 and the roof side panels 22 are replaced, it is considered that a change has been made to part of the vehicle frame. As a result, the vehicle 20 is given a so-called repair history. A vehicle 20 that has been given a repair history has a lower market value.

[0021] As will be described later, in the vehicle insurance premium calculation device according to this embodiment, when the panel material is covered with a protective component, a lower insurance premium is calculated compared to when the panel material is not covered with a protective component. Furthermore, the insurance premium differs depending on the object covered with the protective component.

[0022] For example, Figure 6 shows insurance premium plans with insurance premiums A, B, and C. As will be described later, when a panel material welded to a frame part is covered by a protective part, insurance premium C, which is a first insurance premium, is calculated. Also, when only a panel material not welded to a frame part is covered by a protective part, insurance premium B, which is a second insurance premium, is calculated. Here, insurance premium C (first insurance premium) is lower than insurance premium B (second insurance premium).

[0023] The above fee structure creates an incentive to prioritize covering panel materials welded to frame parts with protective parts. In other words, the insurance fee structure can help prevent a decline in the market value of a vehicle.

[0024] For example, in vehicles such as so-called height wagons, the roof side panels 22 and the roof panel 23 are positioned high up so as not to be seen by others. In other words, when the exterior design of the vehicle 20 is taken into consideration, there is little benefit to covering the roof side panels 22 and the roof panel 23 with protective parts (particularly the protection film 50). Therefore, the calculation device according to this embodiment uses an insurance premium fee structure to provide users with an incentive to protect the roof side panels 22 and the roof panel 23. As a result, it is possible to prevent a decline in the market value of the vehicle 20.

[0025] For example, when the vehicle 20 is used by a user under a lease contract as illustrated in Figures 3 and 4, the leasing company can maintain the asset value of the vehicle 20. Also, as illustrated in Figures 11 and 12, there are cases where the user who owns the vehicle 20 directly enters into a contract with an insurance company. In such cases, the asset value of the vehicle 20 can be maintained for the user.

[0026] 2.Protective parts 1 shows a protection film 50 as an example of a protective part that covers the panel material, and FIG. 2 shows a roof carrier 40 as an example.

[0027] The protection film 50 is a surface protection film that is attached to a panel material. For example, the protection film 50 is a laminated body made up of an adhesive layer, a base layer, and a top coat layer. The protection film 50 is scratch-resistant. For example, during hailstorms, the protection film 50 absorbs the hail. In other words, the protection film 50 acts as a cushion.

[0028] The protection film 50 has a set lifespan. For example, the protection film 50 has a lifespan of approximately five years. This lifespan may be determined as the term of the lease contract. In other words, the lease contract is concluded in five-year increments. Alternatively, the lifespan of the protection film 50 and the term of the lease contract may not necessarily coincide.

[0029] 1 shows an example in which a protection film 50 is attached to a hood panel 21. For example, the protection film 50 is pre-cut to fit the shape of the hood panel 21.

[0030] A high level of skill is required to apply the protection film 50 along the three-dimensional curved surface of the panel material. Therefore, as shown in step S14 of Fig. 3, which will be described later, the application of the protection film 50 is performed at a repair shop.

[0031] 2 shows a roof carrier 40 as an example of a protective component that covers the panel material. The roof carrier 40 includes a base carrier 41 and an attachment 42. The roof carrier 40 is installed on the roof panel 23.

[0032] The base carrier 41 is connected to a frame component of the vehicle. An attachment 42 is attached to the base carrier 41. In Fig. 2, a roof rack is shown as an example of the attachment 42. Instead of a roof rack, a roof box may be attached to the base carrier 41 as the attachment 42.

[0033] When the roof carrier 40 is installed on the vehicle 20, a portion of the roof panel 23 is covered by the attachment 42. The portion of the roof panel 23 covered by the attachment 42 is protected from hail.

[0034] 3. Lease contract with vehicle insurance For example, the vehicle 20 is leased to the user by a leasing company. The fee for the leasing service includes a vehicle insurance fee. For example, when the user enters into a leasing contract with the leasing company, the insurance company introduces the vehicle insurance that the user should take out.

[0035] For example, if you take out vehicle insurance, the insurance company will cover the repair costs if your vehicle 20 is damaged by a natural disaster. For example, if a panel on the top surface of your vehicle 20 is damaged by hail, the insurance company will cover the replacement costs.

[0036] The user pays a monthly premium for this vehicle insurance. For example, premiums A, B, and C are proposed to the user as premiums, as shown in FIG. 6. Premiums B and C are lower than premium A. Furthermore, premium C is lower than premium B (A > B > C).

[0037] Insurance premium A applies when no protective parts are installed on vehicle 20. Insurance premiums B and C apply when protective parts are installed on vehicle 20. In other words, insurance premiums are reduced when vehicle 20 is equipped with equipment that reduces the insurance company's repair cost burden.

[0038] Hereinafter, a group consisting of panel materials welded to the frame components of the vehicle 20 will be referred to as a panel group. The roof side panel 22 and the roof panel 23 are included in the panel group. On the other hand, the hood panel 21 and the back door panel 24 are not included in the panel group. When the panel materials included in the panel group are covered with protective parts, the lowest insurance premium C is applied. When only the panel materials not included in the panel group are covered with protective parts, insurance premium B is applied.

[0039] For example, as in control No. 3 in Figure 6, when the roof carrier 40 (see Figure 2) is installed on the roof panel 23, insurance premium C is applied. Also, when the protection film 50 is attached to the hood panel 21, as in control No. 2, insurance premium B is applied.

[0040] In other words, the insurance premium will be lowest if protective parts are attached to panel materials that will be replaced and that will give the vehicle a repair history. In this way, the vehicle insurance fee structure can prevent the market value of the vehicle 20 from decreasing.

[0041] FIG. 3 shows an example of the flow of a leasing contract when applying protection film 50. The user applies for leasing services to the leasing company (S10). The leasing company notifies the insurance company that the application for leasing services has been received (S11). In response, the insurance company introduces automobile insurance to the user (S12). Specifically, the insurance company explains to the user the coverage provided by the vehicle insurance and the above-mentioned premiums A to C. In step S12, the insurance company explains to the user that the cost of applying and installing protection film 50 is the user's responsibility.

[0042] The user responds to the leasing company as to whether or not protection film 50 is required. If the user desires protection film 50 to be applied, the user specifies the panel material to which the protection film is to be applied (S13). The user may also specify the area of ​​the protection film.

[0043] When the user desires to apply the protection film 50, the leasing company takes the vehicle 20 to be leased to a maintenance company. The leasing company then requests the maintenance company to apply the protection film 50 (S14). At the time of this request, the leasing company instructs the maintenance company on the product name of the protection film 50, the area of ​​the protection film 50, the panel material to which the protection film 50 is to be applied, and the application location.

[0044] At the maintenance company, the protection film 50 is applied to the panel material of the vehicle 20 in accordance with the request (S15). Although not shown, after the application work, the maintenance company bills the user for the cost of the protection film and the labor costs for the work. The maintenance company also sends a work report to the insurance company (S16). The report items include the name of the panel material to which the protection film 50 is applied. The report items also include the number of layers of the protection film 50. The work report also includes a planar image of the vehicle 20 after the protection film 50 has been applied.

[0045] The insurance company registers the information reported by the maintenance company in a database (S17). That is, the name of the panel material to which the protection film 50 is attached, the number of layers of the protection film 50, and a planar image of the vehicle 20 are registered in the database.

[0046] An insurance company is provided with a vehicle insurance premium calculation device 10 (see FIG. 5). The calculation device 10 calculates the insurance premium based on the insurance premium calculation flow (see FIG. 7) described below (S18). The calculated insurance premium is notified to the leasing company (S19). The leasing company calculates the lease fee (monthly fee) including the notified insurance premium (S20).

[0047] The calculated lease fee is notified to the user, and the vehicle 20 is delivered to the user (S21). The user pays the lease fee to the leasing company every month (S22). The leasing company pays a portion of the lease fee to the insurance company (S23).

[0048] Fig. 4 illustrates an example of the flow of a lease contract when a roof carrier 40 (see Fig. 2) is attached to a vehicle 20 as a protective part. Steps that are the same as steps illustrated in Fig. 3 are given the same reference numerals. Furthermore, explanations of steps that are the same as steps illustrated in Fig. 3 will be omitted as appropriate below.

[0049] The insurance company introduces the user to automobile insurance (S12). In response, the user responds to the leasing company as to whether or not the roof carrier 40 needs to be installed (S33). If the user wishes to install the roof carrier 40, the leasing company takes the vehicle 20 to be leased to a maintenance company. The leasing company then requests the maintenance company to install the roof carrier 40 (S34).

[0050] At the maintenance company, the roof carrier 40 is attached to the roof panel 23 of the vehicle 20 in accordance with the request (S35). Although not shown, after the attachment work, the maintenance company bills the user for the price of the roof carrier 40 and the labor costs for the work. The maintenance company also sends a work report to the insurance company (S36). The report includes a planar image of the vehicle 20 before the roof carrier 40 is attached. The report also includes a planar image of the vehicle 20 after the roof carrier 40 has been attached.

[0051] The insurance company calculates the panel group coverage rate (S37), as shown in Fig. 6, based on the planar image of the vehicle 20. The panel group coverage rate indicates the ratio of the planar area of ​​the protective part (roof carrier 40 or protection film 50) to the total planar area of ​​each panel material included in the panel group.

[0052] For example, the vehicle insurance premium calculation device 10 (see FIG. 5) calculates the sum of the planar areas ΣSp of the panel materials included in the panel group from a planar image of the vehicle 20 before the roof carrier 40 is attached. For example, the calculation device 10 calculates the planar areas of the roof panel 23 and the roof side panel 22 using image recognition technology.

[0053] Furthermore, the calculation device 10 calculates the planar area Sc of the protective component covering the panel group from the planar image of the vehicle 20 after the roof carrier 40 is attached. Furthermore, the calculation device 10 calculates Sc / ΣSp [%] as the panel group coverage rate.

[0054] Based on the calculated panel group coverage rate, the calculation device 10 calculates the insurance premium (S18). The calculation flow of the insurance premium will be described in detail later.

[0055] 4. Vehicle insurance contract 11 and 12 illustrate an example of a flow when a user purchases automobile insurance for a vehicle 20. Note that explanations of steps with the same reference numerals as those in FIGS. 3 and 4 will be omitted where appropriate.

[0056] The user applies for automobile insurance with an insurance company (S110). In response, the insurance company introduces the automobile insurance to the user (S112). Specifically, the insurance company explains to the user the coverage provided by the vehicle insurance and the above-mentioned premiums A to C. In step S112, the insurance company explains to the user that the cost of the protection film 50 and the cost of applying it are to be borne by the user.

[0057] If the user desires to apply the protection film 50, the user takes the vehicle 20 to a maintenance company. Then, the user requests the maintenance company to apply the protection film 50 (S114). At the time of this request, the user instructs the maintenance company on the product name of the protection film 50, the area of ​​the protection film 50, the panel material to which the protection film 50 is to be applied, and the application location.

[0058] Thereafter, the insurance premium is calculated through steps S15-S18 as in Fig. 3. The calculated insurance premium is notified to the user (S119). The user pays the insurance premium to the insurance company (S123).

[0059] Figure 12 illustrates an example of the flow of an automobile insurance contract when a roof carrier 40 (see Figure 2) is attached as a protective part to the vehicle 20. Steps that are the same as the steps illustrated in Figures 4 and 11 are given the same reference numerals.

[0060] 11, after steps S110 and S112, the user brings the vehicle 20 into the maintenance company. Then, the user instructs the maintenance company to install the roof carrier 40 (S134).

[0061] Thereafter, the insurance premium is calculated through steps S35, S36, S37, and S18 similar to those in Fig. 4. The calculated insurance premium is notified to the user (S119). The user pays the insurance premium to the insurance company (S123).

[0062] 5. Vehicle insurance premium calculation device A vehicle insurance premium calculation device 10 according to this embodiment is illustrated in Fig. 5. The calculation device 10 is configured, for example, by a computer. The calculation device 10 includes a CPU 11, a RAM 12, a ROM 13, a storage 14, an input / output controller 15, and a display unit 16. The calculation device 10 is also connected to an input device 17. The input device 17 is, for example, a keyboard or a mouse.

[0063] The CPU 11 is a central processing unit, also called a processor. The RAM 12 is a volatile storage device that temporarily stores data during operation. The ROM 13 is a storage device that can read data. The storage 14 is a storage device that can write and read data. The storage 14 is configured, for example, from an HDD (Hard Disk Drive) or an SSD (Solid State Drive).

[0064] The CPU 11 (processor) executes the program stored in the ROM 13 or the storage 14. This enables the CPU 11 to execute the insurance premium calculation flow as shown in Fig. 7. Also, an insurance contract table as shown in Fig. 6 is generated in the storage 14.

[0065] The insurance policy table records data related to vehicle insurance coverage. Items in the insurance policy table include user name, vehicle ID, whether protection film is installed, whether a roof carrier is installed, panel group coverage rate, number of films, insurance premium plan, and discount rate.

[0066] The vehicle ID records, for example, the vehicle registration number of the vehicle 20. The items of whether or not a protection film is installed and whether or not a roof carrier is installed are entered based on the work report in step S16 of FIG. 3 and step S36 of FIG. 4. The panel group coverage rate is calculated by the calculation process in step S17 of FIG. 3 and step S37 of FIG. 4. The insurance premium plan and discount rate are calculated using the insurance premium calculation flow illustrated in FIG. 7.

[0067] 6. Insurance premium calculation flow The CPU 11 (see FIG. 5) of the calculation device 10 calculates the insurance premium for a user newly registered in the insurance contract table by executing the insurance premium calculation flow illustrated in FIG. 7. The CPU 11 determines whether the new user satisfies the conditions for joining the panel insurance rider (S50).

[0068] In this step (determination process), it is determined whether or not there is a protective member covering the panel material arranged on the upper surface of the vehicle 20. In this determination process, for example, if, when taking out vehicle insurance, a customer requests that a protection film 50 be attached to the vehicle 20 to be leased, the conditions for taking out the panel insurance special clause are met. Also, if, when taking out vehicle insurance, a customer requests that a roof carrier 40 be attached to the vehicle 20 to be leased, the conditions for taking out the panel insurance special clause are met.

[0069] If the new user does not satisfy the conditions for joining the panel insurance rider, premium A is selected (S51, S52). As described above, premium A is higher than premiums B and C.

[0070] On the other hand, if the new user meets the conditions for joining the panel insurance rider, the CPU 11 determines whether the panel material covered by the protective part (roof carrier 40 or protection film 50) is included in the panel group (S53). In this step, the CPU 11 determines whether the panel group coverage rate is 0%.

[0071] When the panel group coverage rate is 0%, panel materials that are not included in the panel group, such as the hood panel 21 (see FIG. 1), are covered by the protective component. In such a case, the calculation device 10 performs a calculation process to apply the insurance premium B to the new user (S58, S59).

[0072] On the other hand, if the panel coverage rate is not 0%, i.e., if the panel coverage rate is greater than 0%, the panel material covered by the protective component is included in the panel group. In such a case, the calculation device 10 performs a calculation process to apply insurance premium C to the new user (S54).

[0073] Here, the content of step S53 may be modified so that insurance premium C is selected when the panel coverage rate is a value that substantially achieves the effect of protecting the panel material with the protective components. In other words, insurance premium C may be applied when the panel materials included in the panel group are sufficiently covered with protective components. For example, insurance premium C is applied when the panel coverage rate is greater than 30%.

[0074] CPU 11 then continues the calculation process. CPU 11 calculates discount rate 1 based on the panel coverage rate (S55). For example, referring to the row of management No. 5 shown in FIG. 6, if the panel coverage rate exceeds 50%, 10% is applied as discount rate 1. Referring to the row of management No. 4 shown in FIG. 6, if the panel coverage rate is 50% or less, discount rate 1 is set to 0%.

[0075] Next, as a calculation process, the CPU 11 calculates discount rate 2 based on the number of layers of protection film 50 (S56). Protection film 50 can be laminated in layers, such as two or three layers. The more layers of protection film 50 there are, the less damage there will be to the panel material. For example, with reference to the row of control No. 6 illustrated in FIG. 6, if the number of layers of protection film 50 is two or more, discount rate 2 is set to 15%.

[0076] Next, as a calculation process, 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 to be charged to the user each month is obtained by the formula: insurance premium C × (100% - (discount rate 1 + discount rate 2)).

[0077] As described above, the vehicle insurance premium calculation device according to this embodiment provides an insurance premium discount service, thereby providing an incentive to cover panel materials placed on the top surface of a vehicle with protective parts.

[0078] 7.Example of protection film application FIG. 8 illustrates a vehicle 20 to which a protection film 50 is attached. In this example, the protection film 50 is attached to all panel materials arranged on the upper surface of the vehicle 20. Specifically, a protection film 50A is attached to the entire surface of the hood panel 21. A protection film 50B is attached to the entire surface of the roof side panel 22. A protection film 50D is attached to the entire surface of the back door panel 24.

[0079] In addition to the above, two protection films 50C1 and 50C2 are attached to the entire surface of the roof panel 23. In other words, the roof panel 23 is more securely protected than other panel materials.

[0080] 9 shows an example in which the protection film 50 is attached only to the roof panel 23. In this example, three protection films 50E-50G are attached to the roof panel 23.

[0081] For example, in order to coat another vehicle, the protection film 50 may be cut off and the remaining portion may be attached to protect the roof panel 23. In such an attachment example, the cost of the film can be kept lower than if the entire surface of the roof panel 23 were covered with a single protection film 50.

[0082] For example, the upper surface (exposed surface) of the roof panel 23 may have an uneven structure to increase surface rigidity. In such cases, as illustrated in the enlarged cross-sectional view of Figure 9, the side edges 50F1, 50G1 of the protection films 50F, 50G overlap the grooves of the uneven structure. The overlapped side edges 50F1, 50G1 are raised compared to the surrounding area. However, because the side edges 50F1, 50G1 overlap the grooves of the roof panel 23, the raised structure of the laminated film becomes less visible.

[0083] 10 shows an example of a protection film 50H having a positioning hole 50H1 drilled therein. The positioning hole 50H1 matches the shape of the antenna 23A disposed on the roof panel 23. When the protection film 50H is attached, the antenna 23A is inserted into the positioning hole 50H1. This allows the protection film 50H to be accurately positioned on the roof panel 23. [Explanation of symbols]

[0084] 10 Calculation device, 11 CPU (processor), 20 Vehicle, 21 Hood panel, 22 Roof side panel, 23 Roof panel, 24 Back door panel, 40 Roof carrier (protective part), 50 Protection film (protective part).

Claims

1. A vehicle insurance premium calculation device including a processor, The processor: a determination process for determining whether or not a protective component covering a panel material arranged on the upper surface of the vehicle is present; a calculation process for calculating a lower insurance premium when the panel material is covered with the protective component compared to when the panel material is not covered with the protective component; A vehicle insurance premium calculation device that executes the above.

2. 2. The vehicle insurance premium calculation device according to claim 1, In the determination process, the processor determines whether the panel material covered by the protective component is included in a panel group consisting of panel materials welded to a frame component of a vehicle, When the panel material included in the panel group is covered by the protective component, in the calculation process, the processor calculates a first insurance premium, When only the panel material not included in the panel group is covered by the protective component, in the calculation process, the processor calculates a second insurance premium, The first insurance premium is lower than the second insurance premium. Vehicle insurance premium calculation device.

3. 3. The vehicle insurance premium calculation device according to claim 2, In the calculation process, the processor calculates a discount rate for the first insurance premium based on a coverage rate indicating a ratio of a planar view area of ​​the protection component to a total planar view area of ​​each of the panel materials included in the panel group. Vehicle insurance premium calculation device.

4. 3. The vehicle insurance premium calculation device according to claim 2, A protection film is attached to the panel material as the protection component, In the calculation process, the processor calculates a discount rate for the first insurance premium based on the number of layers of the protection film. Vehicle insurance premium calculation device.

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