Effects of feedback and incentive-based insurance on driving behaviours

反馈和激励保险对驾驶行为的影响

• 批准号: LP150100680
• 负责人: Prof Mark Stevenson
• 金额: $ 37.13万
• 依托单位: The University of Melbourne
• 依托单位国家: 澳大利亚
• 项目类别: Linkage Projects
• 财政年份: 2016
• 资助国家: 澳大利亚
• 起止时间: 2016-03-23 至 2020-06-30
• 项目状态: 已结题
• 来源: https://dataportal.arc.gov.au/RGS/Web/Grants/LP150100680
• 关键词: Effects; feedback; incentive; based; insurance

This project aims to examine the extent to which direct-feedback and incentive-based insurance modify a drivers’ behaviour. The project plans to apply in-vehicle telematics and to link information obtained from the technology directly to personalised safety messaging. The project then plans to assess the impact of this by calculating individual personal injury and the potential reduction to property damage insurance premiums. The study has the potential to profoundly influence not only the insurance industry by reducing individual risk and insurance scheme liability, but also deliver reductions in road trauma among the target population namely, young drivers.

本项目旨在研究直接反馈和基于激励的保险在多大程度上改变了驾驶员的行为。该项目计划应用车载远程信息处理技术，并将从该技术获得的信息直接与个性化安全信息联系起来。然后，该项目计划通过计算个人人身伤害和财产损失保险费的潜在减少来评估这一影响。这项研究不仅有可能通过减少个人风险和保险计划责任来深刻影响保险业，而且还可能减少目标人群（即年轻司机）的道路创伤。