2026-04-13T06:03:52Zhttps://recercat.cat/oai/request

oai:recercat.cat:2445/1832192025-12-05T05:53:55Zcom_2072_1057col_2072_478808col_2072_478917

00925njm 22002777a 4500 dc Guillén, Montserrat author Nielsen, Jens Perch author Pérez Marín, Ana María author 2022-02-16T13:45:12Z 2022-02-16T13:45:12Z 2021-05-10 2022-02-16T13:45:12Z We present a method to integrate telematics data in a pay-how-you-drive insurance pricing scheme that penalizes some near-miss events. We illustrate our method with a sample of drivers for whom information on near-miss events and claims frequency records are available. We discuss the implications for motor insurance ratemaking. Our pricing principle is to combine a baseline insurance premium with added extra charges for near-miss events indicating risky driving (or discounts) that can be updated on a weekly basis. This procedure provides an incentive for safe driving. In our real-case study illustration, hard-braking and acceleration events as well as smartphone use while driving increase the cost of insurance. Assegurances d'automòbils Seguretat viària Automobile insurance Traffic safety Near‐miss telematics in motor insurance