Risk Technology: Enhanced Telematics Platform with Real Time Video Analytics

风险技术：具有实时视频分析功能的增强型远程信息处理平台

• 批准号: 720594
• 金额: $ 31.86万
• 依托单位: RISK TECHNOLOGY LIMITED
• 依托单位国家: 英国
• 项目类别: GRD Development of Prototype
• 财政年份: 2015
• 资助国家: 英国
• 起止时间: 2015 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=720594
• 关键词: Risk; Technology; Enhanced; Telematics; Platform

Motoring insurance premiums are rising due to a number of factors:1) Increasing fraudulent claims – in 2013, dishonest motor claims rose by 34% to 59,900,valued at £811m, adding £90 to each insurance premium in the UK;2) Rising personal injury claims – there were 775,000 motor personal injury claims registeredto the DWP Compensation Recovery Unit in 2013/14, compared to around 520,000 claims in2006/07, representing an increase of around 50% in claims. This increase coincided with a23% decrease in the number of road traffic accidents reported to the policeRisk Technology (RT) manufacture vehicle telematics devices (TDs) that gather metrics suchas car location; speed; road type; statistics on acceleration and deceleration; rests during longjourneys; overall mileage & the facility to differentiate motorway miles. TDs enable insurancecompanies to implement usage-based insurance (UBI), to monitor low risk driving, detect iffraudulent claims are being made, and offer reduced premiums to drivers. It is widely believedin the automotive and insurance industries that within 10 years, drivers will face inflatedinsurance premiums or be forced off the road unless they allow their driving to be monitoredby TD’s.A 2013 TSB SMART grant enabled RT to develop the technical ability of their TD, & build adriver characteristic database & crash analysis tool for insurers to optimise the product theydeliver, based on a competency scoring method (this project completes in early 2015). RTnow propose a further £666k development of prototype project to add further functionality tothe TD so it can:1) Add video footage2) Monitor driver behaviours3) Emit ‘Safe Driving’ promptsThis project will address the problems listed above, as clear and tamper-proof evidence will beavailable for insurers to help detect fraud - protecting innocent motorist & enabling lowerpremiums to be offered to safer drivers, enabled by savings made from a reduction infraudulent claims.

由于一系列因素，汽车保险费正在上升：1)欺诈性索赔增加--2013年，不诚实的汽车索赔增加了34%，达到59,900起，价值8.11亿GB，使英国的每个保险费增加了90 GB；2)人身伤害索赔不断增加--2013/14年度向DWP赔偿回收股登记的机动人身伤害索赔有775,000起，而2006/07年度的索赔约为520,000起，索赔增加了约50%。这一增长与报告给警方的道路交通事故数量减少了23%相吻合，Risk Technology(RT)制造的车辆远程信息处理设备(TDS)收集诸如汽车位置、速度、道路类型、加速和减速统计、长途旅行期间休息、总里程和区分高速公路里程的设施等指标。TDS使保险公司能够实施基于使用情况的保险(UBI)，监控低风险驾驶，检测是否有虚假索赔，并向司机提供更低的保费。在汽车和保险行业，人们普遍认为，在10年内，除非司机允许他们的驾驶受到TD的监控，否则他们将面临虚高的保险费或被迫离开道路。2013年TSB SMART补助金使RT能够发展他们的TD的技术能力，并为保险公司建立驾照特征数据库和碰撞分析工具，以基于能力评分方法优化他们提供的产品(该项目将于2015年初完成)。RT现在建议进一步开发GB 666k原型项目，以增加TD的进一步功能，以便它可以：1)添加视频片段2)监控司机行为3)发出“安全驾驶”提示该项目将解决上述问题，因为保险公司将获得清晰且防篡改的证据，以帮助发现欺诈-保护无辜的驾车者，并通过减少基础设施索赔节省成本，向更安全的司机提供更低的保费。