Individualised insurance for Older people: preserving independence and fairness while improving safety through data.

老年人个性化保险：保持独立性和公平性，同时通过数据提高安全性。

• 批准号: 10059925
• 金额: $ 41.88万
• 依托单位: MIND FOUNDRY LIMITED
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2023
• 资助国家: 英国
• 起止时间: 2023 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=10059925
• 关键词: Individualised; insurance; Older; people; preserving

Reaction time, vision and other faculties vital for safe control of road vehicles decline with age, leading to an increase in risk and in turn in motor insurance premiums, somewhat analogous to the other end of the scale where 17-25 year olds incur highest premiums due to their inexperience. While inexperience is generally universal for young drivers, the other end of the scale is less homogenous, with some drivers representing a significantly increased risk from 65-70 years of age while others remain equally competent well into their 90s. This results in undercharging of some policyholders and overcharging of others, but more importantly means that some individuals who are unsafe both to themselves and wider society are able to keep driving without the assistance and guidance they need to avoid harm.Key objectives of the project are to identify behaviours indicating at-risk drivers, and to operationalise these in a functioning system for the quantification of older driver risk scores based on telematics data, enabling response and handling by underwriters.

反应时间，视力和其他对道路车辆安全控制至关重要的能力随着年龄的增长而下降，导致风险增加，进而导致汽车保险费增加，这有点类似于17-25奥尔兹由于缺乏经验而承担最高保费的另一端。虽然年轻司机普遍缺乏经验，但另一端的情况则不太相同，一些司机在65-70岁时的风险显着增加，而另一些司机在90多岁时仍然同样胜任。这导致了一些投保人的收费过低和其他人的收费过高，但更重要的是，这意味着一些对自己和整个社会都不安全的人能够在没有必要的帮助和指导的情况下继续驾驶以避免伤害。并在功能系统中操作这些，以基于远程信息处理数据量化老年驾驶员风险评分，从而使承保人能够做出响应和处理。