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Near‐miss telematics in motor insurance Guillén, Montserrat Nielsen, Jens Perch Pérez Marín, Ana María Assegurances d'automòbils Seguretat viària Automobile insurance Traffic safety 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. 2022-02-16T13:45:12Z 2022-02-16T13:45:12Z 2021-05-10 2022-02-16T13:45:12Z info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Reproducció del document publicat a: https://doi.org/10.1111/jori.12340 Journal of Risk and Insurance, 2021, vol. 88, num. 3, p. 569-589 https://doi.org/10.1111/jori.12340 cc by-nc-nd (c) Guillen Estany et al., 2021 http://creativecommons.org/licenses/by-nc-nd/3.0/es/ info:eu-repo/semantics/openAccess Wiley Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)