DRIVING PATTERNS IN PAY-AS-YOU-DRIVE OR USAGE-BASED INSURANCE: A GENDER COMPARISON

被引：0
|
作者：
Ayuso, Mercedes [1 ]
Guillen, Montserrat [1 ]
Perez-Marin, Ana Maria [1 ]
机构：
[1] Univ Barcelona, Dpto Econometria Estadist Economia Espanola, Riskctr IREA, Avda Diagonal 690, Barcelona 08034, Spain
来源：
ANALES DEL INSTITUTO DE ACTUARIOS ESPANOLES | 2014年 / 20期
关键词：
usage-based insurance; risk exposure; new risk factors; unisex rates;
D O I：
暂无
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
As a result of the Gender Directive, insurance companies are no longer allowed to use gender as a premium rating factor. New insurance products, specifically those based on vehicle usage and risk exposure, are used to analyze from a new perspective the effect that driving patterns on the risk of accident. Our results let us conclude that risk factors based on usage are different depending on the gender of the policyholder.
引用
收藏
页码：17 / 32
页数：16
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