note UBI
UBI車險（Usage Based insurance）
又稱為PAYD（pay as you drive）或PHYD（pay how you drive）
指依據個別駕駛人的駕駛行為的新型保費模式
新聞1:http://www.taiwanfansclub.com/article-351454-1.html
UBI 模式車險發展大多經歷三個階段：
1. 基於里程數的 UBP(Usage-based Pricing)
2. 基於車輛網設備提供數據的 TBI(Technology Business Integration)
3. 通過數據和產品降低事故率的 MHYD(Manage How You Drive)
UBI 車險產品定價模型可以從三方面來分析：
1. 基準費率：從人因素、從車因素、環境因素
2. 里程計價調整：按照行駛裡程折算
3. 動態調整因子：駕駛行為指數（違規信息、駕駛速度、駕駛市場、LDW、加速減速、TTC、THW）、駕駛環境（駕駛時間、天氣狀況、道路狀況）、車輛其他使用情況（停車情況等）
新聞2:http://big5.china.com.cn/gate/big5/auto.china.com.cn/news/domestic/20151106/668411.shtml
在美國，最大的車險提供商Progressive就推出了這樣的UBI車險産 品，
選擇加入UBI車險計劃的用戶會收到一個Snapshot硬體——即一個OBD盒子。
然後將其插到車上實時記錄數據，以30天為一個觀察期，使用6個月後，
保險公司會收回硬體，然後制定一個更新的保險優惠政策，最高優惠可以達到30%。
現在，Snapshot已經擁有了超過200萬車險用戶。
新聞3:http://analysis.tu-auto.com/insurance-legal/insurance-telematics-usa-2015-day-i-still-many-ways-skin-ubi-cat
目前UBI在美國遭遇的困境:折扣不應是唯一的路
Discounts might help with customer acquisition but, once a driver has received a discount, it's no longer seen as valuable. Insurance customers value benefits that they've earned through better driving, according to LexisNexis research.
嘗試利用智慧型手機進行紀錄:不足以提供UBI足夠訊息
Danlaw provided a data sheet comparing four approaches: automotive OEM-installed; OBD2 device plus Bluetooth; OBD II plus cellphone; and mobile only. Its conclusion: a mobile device is impractical or not possible for all potential safety and security services.
GM對UBI的看好，Verisk Telematics試水溫
Getting ready for all this, Verisk Analytics announced Verisk Telematics Data Exchange, expected to launch mid-2016, offering an open platform for managing connected-car data; carmaker General Motors (GM) was announced as an exclusive partner.
新聞4:http://analysis.tu-auto.com/insurance-legal/insurance-telematics-usa-2015-day-ii-rummaging-through-keys-ubi-success
潛力市場:幫助駕駛習慣不好的駕駛改良習慣
While UBI software programs seem focused on identifying and rewarding the best drivers, there are other opportunities for working with riskier drivers.
保險對於人們最重要的還是在於金錢計算上
Looking at positive comments from US consumers, savings has consistently been – by far -- the top benefit, according to consumers, ranging from 76 to 74% over the past three years. The next-ranking benefit was excitement, at only 14%. Better driving ranked third with 13% of positive comments. However, better driving was up from 4% in 2013.
成功要素
Successful UBI programmes do three things right:
Price risk more efficiently;
Engage with policyholders in new ways;
Build loyalty programs and value-added services;
Drivers can be rewarded in inexpensive ways via mobile devices, the rewards should be:
Low cost;
Easy to redeem;
No need to file, if possible;
Designed to be part of a larger, fun experience.
未來趨勢
Connectivity、On-demand economy、Electrification、 Autonomy
--------------------------------------------------
點評:
雖然車險的壽命將在自動駕駛全面應用時宣告終結，
但是在這之前，保險業者仍有數十年的光景可以期待。
過去業者希望能找到良好駕駛以降低出險機率，增加獲益
現在終於實現，但是這個變化卻足以改變商業模式
利用UBI，人們希望能藉此改良自己原先不知道的不良駕駛習慣
甚至利用UBI，聯網裝置能夠在車輛撞擊時通知服務中心，另類eCall
在費率模式制定良好、聯網服務完整等條件下
UBI的應用對於保險業者與消費者，將是漁翁得利。
又稱為PAYD（pay as you drive）或PHYD（pay how you drive）
指依據個別駕駛人的駕駛行為的新型保費模式
新聞1:http://www.taiwanfansclub.com/article-351454-1.html
UBI 模式車險發展大多經歷三個階段：
1. 基於里程數的 UBP(Usage-based Pricing)
2. 基於車輛網設備提供數據的 TBI(Technology Business Integration)
3. 通過數據和產品降低事故率的 MHYD(Manage How You Drive)
UBI 車險產品定價模型可以從三方面來分析：
1. 基準費率：從人因素、從車因素、環境因素
2. 里程計價調整：按照行駛裡程折算
3. 動態調整因子：駕駛行為指數（違規信息、駕駛速度、駕駛市場、LDW、加速減速、TTC、THW）、駕駛環境（駕駛時間、天氣狀況、道路狀況）、車輛其他使用情況（停車情況等）
新聞2:http://big5.china.com.cn/gate/big5/auto.china.com.cn/news/domestic/20151106/668411.shtml
在美國，最大的車險提供商Progressive就推出了這樣的UBI車險産 品，
選擇加入UBI車險計劃的用戶會收到一個Snapshot硬體——即一個OBD盒子。
然後將其插到車上實時記錄數據，以30天為一個觀察期，使用6個月後，
保險公司會收回硬體，然後制定一個更新的保險優惠政策，最高優惠可以達到30%。
現在，Snapshot已經擁有了超過200萬車險用戶。
新聞3:http://analysis.tu-auto.com/insurance-legal/insurance-telematics-usa-2015-day-i-still-many-ways-skin-ubi-cat
目前UBI在美國遭遇的困境:折扣不應是唯一的路
Discounts might help with customer acquisition but, once a driver has received a discount, it's no longer seen as valuable. Insurance customers value benefits that they've earned through better driving, according to LexisNexis research.
嘗試利用智慧型手機進行紀錄:不足以提供UBI足夠訊息
Danlaw provided a data sheet comparing four approaches: automotive OEM-installed; OBD2 device plus Bluetooth; OBD II plus cellphone; and mobile only. Its conclusion: a mobile device is impractical or not possible for all potential safety and security services.
GM對UBI的看好，Verisk Telematics試水溫
Getting ready for all this, Verisk Analytics announced Verisk Telematics Data Exchange, expected to launch mid-2016, offering an open platform for managing connected-car data; carmaker General Motors (GM) was announced as an exclusive partner.
新聞4:http://analysis.tu-auto.com/insurance-legal/insurance-telematics-usa-2015-day-ii-rummaging-through-keys-ubi-success
潛力市場:幫助駕駛習慣不好的駕駛改良習慣
While UBI software programs seem focused on identifying and rewarding the best drivers, there are other opportunities for working with riskier drivers.
保險對於人們最重要的還是在於金錢計算上
Looking at positive comments from US consumers, savings has consistently been – by far -- the top benefit, according to consumers, ranging from 76 to 74% over the past three years. The next-ranking benefit was excitement, at only 14%. Better driving ranked third with 13% of positive comments. However, better driving was up from 4% in 2013.
成功要素
Successful UBI programmes do three things right:
Price risk more efficiently;
Engage with policyholders in new ways;
Build loyalty programs and value-added services;
Drivers can be rewarded in inexpensive ways via mobile devices, the rewards should be:
Low cost;
Easy to redeem;
No need to file, if possible;
Designed to be part of a larger, fun experience.
未來趨勢
Connectivity、On-demand economy、Electrification、 Autonomy
--------------------------------------------------
點評:
雖然車險的壽命將在自動駕駛全面應用時宣告終結，
但是在這之前，保險業者仍有數十年的光景可以期待。
過去業者希望能找到良好駕駛以降低出險機率，增加獲益
現在終於實現，但是這個變化卻足以改變商業模式
利用UBI，人們希望能藉此改良自己原先不知道的不良駕駛習慣
甚至利用UBI，聯網裝置能夠在車輛撞擊時通知服務中心，另類eCall
在費率模式制定良好、聯網服務完整等條件下
UBI的應用對於保險業者與消費者，將是漁翁得利。
