政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/125543

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Title:	臺灣UBI車險的困境與發展契機 The dilemma and development opportunities of UBI auto insurance in Taiwan
Authors:	徐暐 Hsu, Wei
Contributors:	王儷玲 Wang, Li-Ling 徐暐 Hsu, Wei
Keywords:	使用者基礎保單車險產險駕駛行為誘因機制車載裝置 UBI car insurance Property insurance drive behavior incentive mechanism vehicle device
Date:	2019
Issue Date:	2019-09-05 15:48:32 (UTC+8)
Abstract:	本研究以目前我國UBI推行效果不佳為出發點，希望透過文獻回顧與深度訪談的研究方法，分析出目前我國UBI保單遇到的困境。本研究亦整理國外UBI之發展，逐一比較並且列舉出可借鏡之處。在文獻回顧的部分，本研究將過往的研究結果區分成兩種類別，分別是蒐集資料的困難與銷售的困難。在訪談的內容中，可以發現國內消費者不習慣UBI的運作模式，且保險公司也陷入成本效益與蒐集資料之間的兩難。在UBI保單的設計上，我國UBI除了風險因子較少之外，判斷標準也較不明確，且無建立其他誘因機制以吸引消費者購買或增加改善駕駛行為的動機。在蒐集資料的同時，我國的保險公司可能參考國外運作之方式，盡可能嵌入其他客戶服務，利用額外裝置感測器之方式，提高UBI保單的附加價值。最後，由於我國UBI的發展，並非光靠保險公司的努力就能起色，本研究也針對我國目前UBI市場面臨的問題，向主管機關提出建議監理建立上的建議，希望能有助於或加速我國UBI市場發展
Reference:	參考文獻一、國外文獻 1. Edlin, A. S. (2003) “Per-Mile premiums for auto insurance. In J. E. Stiglitz, & R. Arnott, Economics for an Imperfect World: Essays in Honor of Joseph E. Stiglitz” MIT Press, pp. 53-82. 2. Litman, T. (2005) “Pay-As-You-Drive Pricing and Insurance Regulatory Objectives.” Journal of Insurance Regulation, 23(3), pp. 35-53. 3. Greenberg, A. (2009) “Designing pay-per-mile auto insurance regulatory incentives.” Transportation Research Part D: Transport and Environment, 14(6), pp. 437-445. 4. Paefgen, J., Staake, T., Thiesse, F. (2013) “Evaluation and aggregation of pay-as-you-drive insurance rate factors: a classification analysis approach.” Decis. Support Syst. 56, pp. 192–201. 5. Kremslehner, D., Muermann A. (2016) “Asymmetric information in automobile insurance: evidence from driving behavior.” working paper. 6. Xianbiao Hu, Xiaoyu Zhu, Yu-Luen Ma. Yi-Chang Chiu, Qing Tang (2018) “Advancing usage-based insurance - a contextual driving risk modelling and analysis approach.” IET Intelligent Transport Systems, 13(3). 7. A.M. Pérez-Marín (2019) “Semi-autonomous vehicles：Usage-based data evidences of what could be expected from eliminating speed limit violations.” Accident Analysis & Prevention, 123, pp. 99-106 8. Yinglu Deng, Kili C. Wang, Tianyang Wang, Hao Zheng (2017) “The Private Information in Automobile Insurance Market-Revealed by Driving Record in Telematics.” 9. Mayer, P. (2012) “Empirical Investigations On User Perception And The Effectiveness Of Persuasive Technologies.” Manuscript Submitted For Publication. 10. Sebastian Derikx, Mark De Reuver, Maarten Kroesen, Harry Bouwman (2015) “Buying-Off Privacy Concerns For Mobility Services In The Internet-Of-Things Era A Discrete Choice Experiment On The Case Of Mobile Insurance.” 28th Bled Econference June 7 - 10, 2015. Bled, Slovenia. 11. Dijksterhuis, C., B. Lewis-Evans, L. H. Jelijs, D. de Waard, K. A.Brookhuis,, O. M. Tucha (2015) “The Impact of Immediate or Delayed Feedback on Driving Behaviour in a Simulated Pay-as-You-Drive System.” Accident Analysis & Prevention, 75, pp. 93–104. 12. Dimitrios I. Tselentis (2018) “Public opinion on usage-based motor insurance schemes：A stated preference approach.” Travel Behaviour and Society Volume 11, April 2018, pp. 111-118. 13. M Soleymanian (2019) “Sensor Data and Behavioral Tracking：Does Usage-Based Auto Insurance Benefit Drivers?” Marketing Science, Vol. 38, No. 1. 二、國內文獻 1. 范姜肱、章明純、許伊婷 (2016)，《臺灣保險業Next:UBI車聯網保險》，財團法人保險事業發展中心編印 2. 朱仁棟 (2016)，<UBI車險實踐與思考>，Insurance Market保險，114-117頁 3. 鄒佩玲 (2016)，<UBI汽車保險實施之研究> 4. 徐芷盈 (2018)，<探討機車車主對於UBI保單接受程度之研究> 三、網路資源 1. OECD http://www.oecd.org/ 2. NAIC https://www.naic.org/ 3. Global Market Insights https://www.gminsights.com/ 4. PTOLEMUS https://www.ptolemus.com/ 5. McKinsey & Company https://www.mckinsey.com/ 6. Progressive https://www.progressive.com/experience/homepage/ 7. Allstate https://www.allstate.com/ 8. State Farm https://www.statefarm.com/ 9. Liberty Mutual https://www.libertymutual.com/ 10. UnipolSai http://www.unipolsai.com/it/ 11. 財團法人保險事業發展中心https://www.tii.org.tw/tii/ 12. 保險業資訊公開觀測站https://ins-info.ib.gov.tw/customer/announceinfo.aspx 13. 內政部警政署https://www.npa.gov.tw/NPAGip/wSite/mp?mp=1 14. 現代保險https://www.rmim.com.tw/news 15. 泰安產險https://www.taian.com.tw/ 16. 富邦產險https://www.fubon.com/insurance/home/ 17. 國泰產險https://cathay-ins.com.tw/insurance/ 18. 和泰產險http://www.hotains.com.tw/
Description:	碩士國立政治大學風險管理與保險學系 106358022
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0106358022
Data Type:	thesis
DOI:	10.6814/NCCU201901041
Appears in Collections:	[Department of Risk Management and Insurance] Theses

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