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，视力和其他能力随着年龄的增长而对公路车辆的安全控制至关重要，导致风险增加和汽车保险费的增加，这与量表的另一端相似，因为17-25岁的年龄在17-25岁的情况下，由于其经验不足。尽管没有经验对于年轻的驾驶员来说通常是普遍的，但量表的另一端较不同质，有些驾驶员的风险从65-70岁大幅增加，而其他驾驶员则在90年代保持良好的水平。 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.