UBI车险在我国新能源汽车保险中的应用分析

Study on UBI Vehicle Insurance Premium Determination of New Energy Vehicles

在当前全球能源短缺日益严峻、环境污染问题日渐突出的背景下,新能源汽车蓬勃发展并普及已然成为社会推动汽车产业可持续增长的必然趋势。车险作为财产保险公司的支柱险种,虽然保费收入位居首位,但新能源车险的盈利状况并不乐观,根本原因在于其并不适用于传统车险的定价方式,造成车险费率厘定的不合理。随着商业车险改革的推进以及车联网、大数据和人工智能技术的快速发展,一种基于驾驶行为进行费率厘定的UBI(Usage Based Insurance)车险开始走进人们的视野。通过对UBI车险相关研究的分析,发现包括UBI车险费率厘定方法和驾驶风险分类模型研究等,具体体现在UBI应用车险、组织机构创新以及算法模式创新方面,除此之外还需完善相关的配套政策和设备,为解决新能源车险的痛点提供一种新的解决方案。

Under the current background of increasingly severe global energy shortage and environmental pollution,the vigorous development and popularisation of new energy vehicles has become an inevitable trend for the society to promote the sustainable growth of the automobile industry.As the pillar insurance of property insurance companies,the profitability of new energy auto insurance is not optimistic,although it ranks first in terms of premium income.The fundamental reason is that it is not applicable to the pricing method of traditional auto insurance,which results in irrational auto insurance rate setting.With the advancement of commercial auto insurance reform and the rapid development of Telematics,big data and artificial intelligence technology,a kind of UBI(Usage Based Insurance)auto insurance based on driving behaviour has begun to come into people’s view.Through the analysis of UBI auto insurance related research,including UBI auto insurance rate setting methodology research and driving risk classification model research,etc.,specifically embodied in the UBI application of auto insurance,organisational innovation and algorithmic model innovation,in addition to the need to improve the relevant supporting policies and equipment,in order to solve the pain points of new energy auto insurance to provide a new solution.