Information processing apparatus, insurance proposal processing method, program, and recording medium

Abstract

To provide an information processing device, an insurance proposal processing method, a program and a recording medium, which allow for proposing an insurance that does not incur additional premium payment obligation when it is detected that an insurance premium at the expiration of a contract period will exceed an insurance premium paid at the time of contract.SOLUTION: An information processing device provided herein comprises an insurance premium estimation unit 20 configured to estimate an estimated insurance premium at expiration of a contract period on the basis of driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions, and an insurance proposal unit 30 configured to propose a change in the contract conditions when the estimated insurance premium exceeds the maximum insurance premium set by the contract conditions.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an insurance proposal processing method, a program, and a recording medium.

Background Art

[0002] Generally, the insurance premium for automobile insurance is determined by contract conditions such as the age of the driver, the vehicle being driven, the insurance money paid at the time of damage, and the contract period. That is, in a flat-rate automobile insurance system, regardless of whether a person has a lot of driving opportunities or few driving opportunities, the same amount of insurance premium has to be paid. For a person with few driving opportunities, they had to pay a relatively high insurance premium. Here, a damage insurance system based on the amount, in which the insurance premium to be paid is determined according to the driving time of the driver, is disclosed (see, for example, Patent Document 1). In the damage insurance system described in Patent Document 1, the difference between the actual insurance premium calculated based on the time the driver actually drove and the insurance premium paid at the time of insurance contract is managed. When the difference becomes less than or equal to a predetermined value, a display prompting additional payment of the insurance premium is made.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the damage insurance system described in Patent Document 1, when it is detected that the actual insurance premium calculated based on the actual driving time of the driver is expected to exceed the insurance premium paid at the time of contract, in order to continue the damage insurance contract, there is a problem that an additional insurance premium has to be paid as an example.

[0005] The present invention has been made in view of the problems exemplified above, and when it is detected that there is a possibility that the insurance premium at the expiration of the contract period exceeds the insurance premium paid at the time of contract, the main object is to provide an information processing apparatus, an insurance proposal processing method, a program, and a recording medium that propose an insurance for which no additional payment of the insurance premium occurs.

Means for Solving the Problems

[0006] In order to solve the above problems, the invention according to claim 1 is based on driving information of a driver driving a vehicle during a contract period and a unit insurance premium determined based on contract conditions, an insurance premium estimation unit that estimates an estimated insurance premium, which is the insurance premium at the expiration of the contract period, and when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions, an insurance proposal unit that proposes a change in the contract conditions, and is characterized by being an information processing apparatus comprising the same. Including the insurance amount paid at the time of damage Said insurance amount paid at the time of damage

[0007] Further, the invention according to claim 4 is an insurance proposal processing method in an information processing apparatus comprising an insurance premium estimation unit and an insurance proposal unit, wherein the insurance premium estimation unit estimates an estimated insurance premium, which is the insurance premium at the expiration of the contract period, based on driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions, and the insurance proposal unit proposes a change in the contract conditions when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions, and is an insurance proposal processing method comprising the same. Including the insurance amount paid at the time of damage Said insurance amount paid at the time of damage

[0008] Further, the invention according to claim 5 is a program for causing a computer to execute an insurance proposal processing method in an information processing apparatus comprising an insurance premium estimation unit and an insurance proposal unit, wherein the insurance premium estimation unit estimates an estimated insurance premium, which is the insurance premium at the expiration of the contract period, based on driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions, and the insurance proposal unit proposes a change in the contract conditions when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions, Including the insurance amount paid at the time of damage ​​​​​Said insurance amount paid at the time of damage A program for causing a computer to execute an insurance proposal processing method including a proposal step of proposing a change in contract conditions.

[0009] Furthermore, the invention according to claim 6 is a non-transitory recording medium storing a program for causing a computer to execute an insurance proposal processing method in an information processing apparatus including an insurance premium estimation unit and an insurance proposal unit, wherein the insurance premium estimation unit calculates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions; and the insurance proposal unit includes a proposal step of proposing a change in the contract conditions when the estimated insurance premium exceeds an upper limit insurance premium defined by the contract conditions. Including the insurance amount paid at the time of damage a step of estimating an estimated insurance premium, which is the insurance premium at the end of the contract period, based on driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions; and a proposal step of proposing a change in the contract conditions when the estimated insurance premium exceeds an upper limit insurance premium defined by the contract conditions. Said insurance amount paid at the time of damage A non-transitory recording medium storing a program for causing a computer to execute an insurance proposal processing method including a proposal step of proposing a change in contract conditions when the estimated insurance premium exceeds an upper limit insurance premium defined by the contract conditions.

Brief Description of the Drawings

[0010]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Mode for Carrying Out the Invention

[0011] An information processing apparatus according to one or more embodiments of the present invention estimates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on the driving information of the driver driving the vehicle during the contract period and the unit insurance premium determined based on the contract conditions, and includes an insurance premium estimation unit, and an insurance proposal unit that proposes a change to the contract conditions when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions. That is, the insurance premium estimation unit estimates the insurance premium at the end of the contract based on the driving information that the driver actually drove during the contract period, and when the insurance premium estimated by the insurance premium estimation unit exceeds the upper limit insurance premium set by the driver at the time of contract, the insurance proposal unit proposes an insurance with changed contract conditions to the driver. As a result, when it is determined that the estimated insurance premium exceeds the upper limit insurance premium, a new insurance with contract conditions that do not exceed the upper limit insurance premium is proposed, so that the contract can be updated without additional payment of the insurance premium until the end of the contract. In addition, when a new insurance is proposed, the driver can assume the driving time during the remaining contract period, etc., and if there is a possibility that the driving time, etc. will decrease, the driver can continue the contract without changing the contract conditions. When the estimated insurance premium exceeds the upper limit insurance premium, the insurance proposal unit proposes contract conditions for the insurance amount that does not exceed the upper limit insurance premium based on the estimated insurance premium in the unit insurance premium when the contract conditions for the insurance amount paid at the time of damage occurrence are changed. That is, the insurance proposal unit proposes new contract conditions to the driver in which the compensation content such as the insurance amount paid at the time of damage occurrence is changed so that the estimated insurance premium does not exceed the upper limit insurance premium. As a result, the driver can update the insurance contract after confirming the contract conditions for the insurance amount for which no additional payment of the insurance premium occurs.

[0012] <Example> The information processing apparatus 1 according to this embodiment will be described with reference to FIGS. 1 to 5.

[0013] <Configuration of Information Processing Apparatus 1> The configuration of the information processing apparatus 1 according to this embodiment will be described with reference to FIG. 1. The information processing apparatus 1 includes a driving record acquisition unit 10, an insurance premium estimation unit 20, an insurance proposal unit 30, a display unit 40, and a communication unit 50.

[0014] The driving record acquisition unit 10 acquires driving time information, driving frequency information, and driving distance information, which are driving information of a driver driving a vehicle during a contract, and transmits the driving information to the insurance premium estimation unit 20 and the insurance proposal unit 30 described later. The driving record acquisition unit 10 determines, for example, the time during which the ACC power of the vehicle is in the on state as the driving time, and acquires the time as the driving time information. Specifically, the driving record acquisition unit 10 acquires the on-time information and off-time information of the ACC power as the driving time information, and stores the information in a memory (not shown). In addition, the driving record acquisition unit 10 determines, for example, the number of times the ACC power of the vehicle is turned on as the driving frequency, and acquires the information as the driving frequency information. Specifically, the driving record acquisition unit 10 acquires the on-time information of the ACC power as the driving frequency information, and stores the time information in a memory (not shown). Furthermore, the driving record acquisition unit 10 acquires, for example, the total driving distance information received from the vehicle meter as the driving distance information. Specifically, when the ACC power is turned on, the driving record acquisition unit 10 acquires the current time information and the total driving distance information, and stores the information in a memory (not shown). Note that the method for acquiring the driving information is not limited to the method described above. For example, the driving information may be acquired based on an image captured inside and outside the vehicle, the time information of locking and unlocking the door, the vehicle speed pulse, etc. Here, the driving record acquisition unit 10 may acquire information regarding the insurance contract conditions of the insurance for which the driver is under contract from the insurance proposal unit 30 described later, and determine the driving information to be acquired based on the information. That is, in the case of an insurance contract in which the insurance premium is determined by the driving time, the driving time information may be acquired; in the case of an insurance contract in which the insurance premium is determined by the driving frequency, the driving frequency information may be acquired; and in the case of an insurance contract in which the insurance premium is determined by the driving distance, the driving distance information may be acquired.

[0015] The insurance premium estimation unit 20 estimates an estimated insurance premium, which is the insurance premium at the end of the insurance contract, based on the driving information including any one of the driving time information, the number of driving times information, or the driving distance information transmitted from the driving record acquisition unit 10, and the unit insurance premium corresponding to the contract conditions per unit time, per unit number of times, or per unit distance and the contract period information transmitted from the insurance proposal unit 30 described later. The information on the estimated insurance premium estimated by the insurance premium estimation unit 20 is transferred to the insurance proposal unit 30 described later. Here, examples of the unit insurance premium corresponding to the above-described contract conditions include a unit time insurance premium, a unit number of times insurance premium, and a unit distance insurance premium. The unit time insurance premium is the insurance premium per unit time applied to an insurance contract in which the insurance premium is determined by the driving time. For example, it is the insurance premium paid when the driver drives for 1 hour. The unit number of times insurance premium is the insurance premium per unit number of times applied to an insurance contract in which the insurance premium is determined by the number of driving times. For example, it is the insurance premium paid when the driver drives once. The unit distance insurance premium is the insurance premium per unit distance applied to an insurance contract in which the insurance premium is determined by the driving distance. For example, it is the insurance premium paid when the driver drives 1 km. In the following description, a case of contract conditions in which the insurance premium is determined by the driving time (when the driving information is the driving time information and the unit insurance premium is the unit time insurance premium) will be exemplified and described. Here, the above-described unit insurance premium may be determined based on at least vehicle information that can identify the vehicle, driver information regarding the driver who drives the vehicle, the insurance amount paid at the time of damage occurrence, and the contract period information, or a fixed value may be set as the insurance plan. Specifically, examples of the vehicle information that can identify the vehicle include vehicle name, model, specifications, chassis number, and the like. Here, examples of the above-described vehicle include four-wheeled vehicles such as passenger cars and commercial vehicles, and two-wheeled vehicles (motorcycles). In addition, examples of driver information regarding the driver who drives the vehicle include name, date of birth, age, type of driver's license, driver's license number, and the like. In addition, examples of the insurance amount information paid at the time of damage include personal injury compensation insurance, property damage compensation insurance, personal injury insurance, vehicle insurance, and the like. Furthermore, examples of the contract period information include the insurance application start date, the insurance application expiration date, and the like. Note that the method for estimating the estimated insurance premium, which is the insurance premium at the time of insurance contract expiration, will be described later.

[0016] When the estimated insurance premium transmitted from the insurance premium estimation unit 20 exceeds the upper limit insurance premium defined by the contract conditions, the insurance proposal unit 30 displays information regarding the change of the contract conditions on a display unit 40 described later, and proposes the change of the contract conditions to the driver. That is, when the estimated insurance premium estimated by the insurance premium estimation unit 20 exceeds the upper limit insurance premium, the insurance proposal unit 30 changes the contract conditions of the insurance amount paid at the time of damage, and proposes to the driver the contract conditions under which the estimated insurance premium does not exceed the upper limit insurance premium. Note that the above-mentioned upper limit insurance premium is an amount set by the driver at the time of contract based on the driving time assumed during the contract period and the insurance premium per unit time, and is the amount that the driver pays as the insurance premium during the contract period. The insurance contract is established when the driver pays the upper limit insurance premium set at the time of contract by the contract start date. Note that when the actual insurance premium calculated based on the driving time information and the insurance premium per unit time during the contract period exceeds the upper limit insurance premium, even before the contract expiration date, there are examples where the insurance contract expires at that time, and examples where, on the premise of the driver's consent when the actual insurance premium exceeds the upper limit insurance premium, at least the minimum insurance is provided even if it exceeds the upper limit insurance premium.

[0017] The insurance proposal unit 30 connects to a server (not shown) connected to the Internet via a communication unit 50 described later, and acquires information regarding the insurance that the driver has during the contract, which is referred to when proposing a change in the contract conditions. Here, this server stores information related to insurance contracts of the driver, such as vehicle information that can identify the vehicle, driver information regarding the driver who drives the vehicle, the insurance amount to be paid at the time of damage, contract period information, and the upper limit of insurance premiums. Based on the vehicle information and driver information previously registered in the insurance proposal department 30 by the driver or the like, the insurance proposal department 30 searches the above-described server and acquires information related to the insurance contracts of the driver. In addition, this server stores information on the insurance premium per unit time determined based on the contract conditions. When the insurance proposal department 30 proposes a change in the contract conditions to the driver, it acquires information on the insurance premium per unit time when the contract conditions are changed from the server. Details of the insurance proposal process in the insurance proposal department 30 will be described later.

[0018] The display unit 40 is composed of, for example, an LCD (liquid crystal display device), an organic EL (Electroluminescence), etc., and displays information related to insurance output from the insurance proposal department 30. Here, the display unit 40 may be a dedicated display for displaying information related to insurance, or the display unit of a navigation device or the like may be used to display information related to insurance.

[0019] The communication unit 50 is composed of, for example, a communication module that can be connected to the Internet, and connects to the above-described server.

[0020] <Processing of Information Processing Device 1> The processing of the information processing device 1 will be described with reference to FIG. 2. The insurance proposal department 30 determines whether the ACC power supply (accessory power supply) of the vehicle is on (step S100). If it is determined that the ACC power supply is not on (''NO'' in step S100), the process returns to step S100 and the device enters the standby mode. On the other hand, if it is determined that the ACC power supply is on (''YES'' in step S100), the process proceeds to step S110.

[0021] When it is determined that the ACC power is on (\"YES\" in step S100), the insurance proposal unit 30 transmits an instruction to calculate an estimated insurance premium, which is the insurance premium at the end of the insurance contract, to the insurance premium estimation unit 20, and receives the calculation result from the insurance premium estimation unit 20 (step S110).

[0022] Using FIG. 3, the calculation method of the estimated insurance premium calculated by the insurance premium estimation unit 20 will be described. When the insurance premium estimation unit 20 receives an instruction to calculate the estimated insurance premium from the insurance proposal unit 30, it acquires driving time information, which is the actual value of the driving time during the contract period, from the driving performance acquisition unit 10. Furthermore, the insurance premium estimation unit 20 calculates the elapsed time t from the start of the contract period to the present and the contract period T from the start of the contract period to the end. Here, when the driving time information at the time of t hours elapsed from the start of the contract is a hours and the insurance premium per unit time of the insurance during the contract is b yen / hour, the estimated insurance premium X can be calculated by Equation 1 shown below.

[0023]

Equation

[0024] More specifically, for example, when the contract period T = 1 month (T = 30×24 = 720 hours), the elapsed time t = 360 hours, the driving time information a = 14 hours, and the insurance premium per unit time b = 100 yen / hour, the estimated insurance premium X is 2800 yen.

[0025] The insurance proposal unit 30 compares the value of the estimated insurance premium X acquired from the insurance premium estimation unit 20 with the value of the upper limit insurance premium set at the time of insurance contract, and determines whether the estimated insurance premium X exceeds the upper limit insurance premium (step S120). When it is determined that the estimated insurance premium X does not exceed the upper limit insurance premium (\"NO\" in step S120), the process ends. On the other hand, when it is determined that the estimated insurance premium X exceeds the upper limit insurance premium (\"YES\" in step S120), the process is shifted to step S130.

[0026] When it is determined that the estimated insurance premium X exceeds the upper limit insurance premium (\"YES\" in step S120), the insurance proposal unit 30 makes a proposal to change to an insurance that does not exceed the upper limit insurance premium (step S130), and shifts the process to step S140. As shown in FIG. 4, when the insurance proposal unit 30 determines that the estimated insurance premium X (= 3,200 yen) exceeds the upper limit insurance premium (= 3,000 yen), it acquires from the insurance premium estimation unit 20 the estimated insurance premium Y when the contract conditions for the insurance amount paid at the time of damage are changed, and proposes to the driver an insurance with contract conditions where the estimated insurance premium Y does not exceed the upper limit insurance premium. Using FIG. 5, the insurance with contract conditions where the estimated insurance premium Y does not exceed the upper limit insurance premium will be described. As shown in FIG. 5, for example, when the contract conditions are changed such that the personal injury insurance amount, which is the insurance amount paid at the time of damage, is changed from 500 million yen to 300 million yen, and the vehicle insurance amount is changed from 3 million yen to 0 yen, the insurance premium per unit time is reduced from 100 yen / hour to 80 yen / hour. The insurance proposal unit 30 transmits information on the insurance premium per unit time when the above-described contract conditions are applied to the insurance premium estimation unit 20, and issues an instruction to calculate the estimated insurance premium Y. Specifically, when the driving time information at the time when t hours have elapsed since the start of the contract is a hours, the insurance premium per unit time of the insurance during the contract is b yen / hour, and the insurance premium per unit time when the new contract conditions are applied is c yen / hour, the estimated insurance premium Y can be calculated by Equation 2 shown below.

[0027]

Equation

[0028] More specifically, for example, when the contract period T = 1 month (T = 30×24 = 720 hours), the elapsed time t = 360 hours, the driving time information a = 16 hours, the insurance premium per unit time b = 100 yen / hour, and the insurance premium per unit time c = 80 yen / hour, the estimated insurance premium Y is 2,880 yen. When the above contract conditions are changed, since the estimated insurance premium Y does not exceed the upper limit amount of 3,000 yen, the insurance proposal department 30 proposes the change to the contract conditions to the driver. That is, the insurance proposal department 30 causes the insurance premium estimation department 20 to calculate the estimated insurance premium Y when the contract conditions are changed, compares the estimated insurance premium Y with the upper limit insurance premium, determines the contract conditions that do not exceed the upper limit insurance premium, and proposes those contract conditions to the driver. When the insurance proposal department 30 proposes to change the contract conditions to the driver, for example, it displays the figure shown in FIG. 5 on the display unit 40 and notifies the driver of the change content of the contract conditions and the estimated insurance premium Y when the contract conditions are changed.

[0029] Then, the insurance proposal department 30 determines whether an instruction to change the insurance conditions proposed in step S130 is input (step S140). If it is determined that an instruction not to change the proposed insurance conditions is input (''NO'' in step S140), the process ends. On the other hand, if it is determined that an instruction to change the proposed insurance conditions is input (''YES'' in step S140), the process proceeds to step S150.

[0030] If it is determined that an instruction to change the proposed insurance conditions is input (''YES'' in step S140), the insurance proposal department 30 executes the contract renewal process and ends the process (step S150). Specifically, the insurance proposal department 30 connects to the above-described server and updates the information on the insurance in the contract, such as vehicle information that can identify the vehicle, driver information regarding the driver who drives the vehicle, the insurance amount paid at the time of damage occurrence, and contract period information, to the contract conditions proposed in step S130. In addition, the insurance proposal department 30 simultaneously stores the contract change history information (information such as the update date and time and the contract conditions before the update) in the server.

[0031] In the above description of the information processing apparatus 1, the driving time information is exemplified as the driving information, and the unit time insurance premium is exemplified as the unit insurance premium. However, in the combination of the driving frequency information and the unit frequency insurance premium, and the driving distance information and the unit distance insurance premium, the same processing as described above is also possible.

[0032] The information processing apparatus 1 according to the present embodiment includes an insurance premium estimation unit 20 that estimates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on the driving information of the driver driving the vehicle during the contract period and the unit insurance premium determined based on the contract conditions, and an insurance proposal unit 30 that proposes a change in the contract conditions when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions. The insurance premium estimation unit 20 estimates the insurance premium at the end of the contract based on at least vehicle information that can identify the vehicle, driver information regarding the driver driving the vehicle, the insurance amount paid at the time of damage, the unit insurance premium determined based on the contract period information, and the driving information that is the driving record of the driver during the contract period. When the insurance premium estimated by the insurance premium estimation unit 20 exceeds the upper limit insurance premium set by the driver as the contract condition, the insurance proposal unit 30 proposes to the driver an insurance with the contract conditions changed. Thereby, when it is determined that the insurance premium at the end of the contract exceeds the upper limit insurance premium, a contract condition that does not exceed the upper limit amount is proposed, so that the driver can update the contract without additional payment of the insurance premium.

[0033] When the estimated insurance premium exceeds the upper limit insurance premium, the insurance proposal unit 30 of the information processing apparatus 1 according to the present embodiment proposes a contract condition for an insurance amount for which the estimated insurance premium does not exceed the upper limit insurance premium, based on the estimated insurance premium in the unit insurance premium when the contract condition for the insurance amount paid at the time of damage is changed. That is, the insurance proposal unit 30 proposes to the driver information regarding an insurance in which the insurance amount paid at the time of damage is changed so that the estimated insurance premium does not exceed the upper limit insurance premium. As a result, the driver can update the insurance contract after confirming the contract conditions of the insurance amount for which no additional insurance premium payment is incurred. In addition, when new insurance is proposed, the driver can assume the driving time (or the number of trips or the driving distance depending on the contract conditions) during the remaining contract period, and if there is a possibility that the driving time (or the number of trips or the driving distance depending on the contract conditions) will decrease, the driver can continue the contract without changing the contract conditions.

[0034] In addition, when the insurance proposal unit 30 of the information processing apparatus 1 according to the present embodiment determines that the estimated insurance premium exceeds the upper limit insurance premium, the insurance proposal unit 30 presents the driver with the content of the change in the contract conditions and the unit insurance premiums in the case where the contract conditions are changed and not changed. As a result, the driver can update the contract after confirming the content of the change in the newly proposed contract conditions.

[0035] In addition, the information processing apparatus 1 according to the present embodiment calculates an estimated insurance premium when starting to drive, and when the estimated insurance premium exceeds the upper limit insurance premium, based on the estimated insurance premium in the unit insurance premium when the contract conditions for the insurance amount paid at the time of damage occurrence are changed, proposes contract conditions for an insurance amount for which the estimated insurance premium does not exceed the upper limit insurance premium. As a result, it is possible to confirm at an early stage whether there is a possibility that the estimated insurance premium exceeds the upper limit insurance premium.

[0036] <Other Embodiments> The insurance premium estimation unit 20 of the information processing apparatus 1 described above calculates the estimated insurance premium on the premise that the frequency of driving (for example, the driving time per day) during the contract period is always the same. However, the driving time may be predicted from the driving performance information of past drivers, and the estimated insurance premium may be calculated. For example, for a driver who can be determined from past driving performance to have a tendency for the driving time to increase at the end of the month, the estimated insurance premium may be calculated by reflecting the driving performance tendency. That is, since the estimated insurance premium is calculated reflecting the driving performance tendency for each driver, the calculation accuracy of the estimated insurance premium can be improved.

[0037] When the insurance proposal unit 30 of the information processing apparatus 1 proposed above proposes a change in the insurance contract conditions, it may present a plurality of contract conditions for which the estimated insurance premium does not exceed the upper limit amount and propose them to the driver. As a result, the driver can select the optimal contract conditions for the remaining contract period.

[0038] Further, in the information processing apparatus 1 described above, the estimated insurance premium is calculated by the insurance premium estimation unit 20 at the start of driving. However, for example, during driving, the estimated insurance premium may always be calculated by the insurance premium estimation unit 20 to determine whether the estimated insurance premium exceeds the upper limit insurance premium. As a result, it is possible to convey to the driver earlier that there is a possibility that the estimated insurance premium exceeds the upper limit insurance premium.

[0039] As described above, the embodiments of the present invention have been described in detail with reference to the drawings. However, the specific configuration is not limited to this embodiment, and designs and the like within the scope not departing from the gist of the present invention are also included.

Explanation of Reference Numerals

[0040] 1; Information processing apparatus 10; Driving performance acquisition unit 20; Insurance premium estimation unit 30; Insurance proposal unit 40; Display unit 50; Communication unit

Claims

1. Based on the driving information of the vehicle driven by the driver during the contract period and the unit insurance premium determined based on the contract conditions including the insurance amount paid at the time of damage, an insurance premium estimation unit that estimates the estimated insurance premium, which is the insurance premium at the end of the contract period, and an insurance proposal unit that proposes a change to the contract conditions of the insurance amount paid at the time of damage when the estimated insurance premium exceeds the upper limit insurance premium defined in the contract conditions. An information processing apparatus characterized by comprising:

2. The unit insurance premium is determined based on at least vehicle information that can identify the vehicle, driver information regarding the driver driving the vehicle, and contract period information. The information processing apparatus according to claim 1, characterized in that

3. When the estimated insurance premium exceeds the upper limit insurance premium, the insurance proposal unit proposes the contract conditions of the insurance amount such that the estimated insurance premium does not exceed the upper limit insurance premium based on the estimated insurance premium in the unit insurance premium when the contract conditions of the insurance amount are changed. The information processing apparatus according to claim 2, characterized in that

4. An insurance proposal processing method in an information processing apparatus including an insurance premium estimation unit and an insurance proposal unit, comprising: an estimation step in which the insurance premium estimation unit estimates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on the driving information of the vehicle driven by the driver during the contract period and the unit insurance premium determined based on the contract conditions including the insurance amount paid at the time of damage; and a proposal step in which the insurance proposal unit proposes a change to the contract conditions of the insurance amount paid at the time of damage when the estimated insurance premium exceeds the upper limit insurance premium defined in the contract conditions. An insurance proposal processing method comprising:

5. A program for causing a computer to execute an insurance proposal processing method in an information processing apparatus including an insurance premium estimation unit and an insurance proposal unit, comprising: an estimation step in which the insurance premium estimation unit estimates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on the driving information of the vehicle driven by the driver during the contract period and the unit insurance premium determined based on the contract conditions including the insurance amount paid at the time of damage; and a proposal step in which the insurance proposal unit proposes a change to the contract conditions of the insurance amount paid at the time of damage when the estimated insurance premium exceeds the upper limit insurance premium defined in the contract conditions, A program for causing a computer to execute an insurance proposal processing method comprising the following.

6. A non-transitory recording medium storing a program for causing a computer to execute an insurance proposal processing method in an information processing apparatus including an insurance premium estimation unit and an insurance proposal unit, wherein the insurance premium estimation unit estimates an estimated insurance premium, which is the insurance premium at the end of the contract period, based on driving information of a driver driving a vehicle during the contract period and a unit insurance premium determined based on contract conditions including the insurance amount paid at the time of damage; and the insurance proposal unit proposes a change to the contract conditions of the insurance amount paid at the time of damage when the estimated insurance premium exceeds the upper limit insurance premium defined by the contract conditions. A non-transitory recording medium storing a program for causing a computer to execute an insurance proposal processing method comprising the following.

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