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

反应时间、视力和其他对安全控制道路车辆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，这在某种程度上类似于天平的另一端，17-25岁的人由于缺乏经验而产生的保险费最高。虽然缺乏经验在年轻司机中普遍存在，但天平的另一端则不那么同质性，一些司机在65-70岁期间风险显著增加，而另一些司机在90多岁时仍保持同样的能力。这导致一些投保人收费过低，而另一些人收费过高，但更重要的是，一些对自己和整个社会都不安全的人能够在没有他们需要的帮助和指导的情况下继续驾驶，以避免伤害。该项目的关键目标是识别指示高风险司机的行为，并在一个有效的系统中操作这些行为，以便基于远程信息处理数据量化较老的司机风险分数，使承保人能够做出反应和处理。

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.