Usage-Based Insurance : the Concept and Study of Available Analyses

• Autorzy: Łukasz Kuryłowicz

Warianty tytułu

Usage-Based Insurance : koncepcja i studium dotychczasowych analiz

• Języki publikacji: EN

Abstrakty

Pomimo, że ubezpieczenia wykorzystujące rozwiązania telematyczne mogą stanowić potencjalne źródło przewagi konkurencyjnej, tematyka Usage-Based Insurance (UBI) jest wciąż mało poznana szczególnie w kontekście realiów krajowych. Z tego powodu głównym celem artykułu jest umożliwienie lepszego zrozumienia tematu poprzez przegląd i podsumowanie dotychczasowych osiągnięć badawczych oraz dostępnej literatury.
Praca porusza zarówno historyczny aspekt rozważań jak i podsumowanie badań prowadzonych w ciągu ostatniej dekady. Obejmuje swoim zakresem aspekty związane z rozwojem koncepcji taryf typu UBI, szansami wynikającymi z modyfikacji dotychczasowego podejścia do taryfikacji jak i potencjalnymi przeszkodami mogącymi utrudnić rynkowe wdrożenie UBI. Dokonuje również próby usystematyzowania definicji poszczególnych terminów powiązanych z ubezpieczeniami wykorzystującymi rozwiązania oparte o telematykę.(abstrakt oryginalny)

EN

Although insurance telematics may be a source of competitive advantage, the Usage-Based Insurance (UBI) is still an insufficiently explored area, especially in the context of the Polish insurance market. Accordingly, the main purpose of this paper is to facilitate a better understanding of the topic through a review and summary of selected literature and research achievements, which may prove useful in a discussion about domestic UBI.
The paper presents both the historical perspective of UBI development and a summary of the research carried out over the last decade. It discusses the advancement of UBI tariffs and the successful modification of the applicable pricing schemes as well as points to issues that may hinder the market launch of Usage-Based Insurance. Finally, it attempts to present a structured view of definitions of various terms associated with telematics-based insurance. (original abstract)

Słowa kluczowe

PL

Ubezpieczenia komunikacyjne OC; Telematyka; Rynek ubezpieczeniowy

EN

Motor insurance; Telematics; Insurance market

• Czasopismo: Wiadomości Ubezpieczeniowe
• Rocznik: 2016
• Numer: nr 4
• Strony: 127-142

Twórcy

autor

Łukasz Kuryłowicz

• WARTA S.A. Insurance and Reinsurance Company

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