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我国车险定价机制相对比较呆板,在某种程度上车险的定价可以说是千篇一律的。然而人和人是不一样的,每个人性别、年龄、职业等情况不同,他们的风险程度也不同,因此在给车险定价时,应当被考虑进去。比较之下,保险业发源地——英国的车险定价要“人性化”得多。为了研究个人信息对车险定价的影响,将通过改变英国英杰华保险公司基本车险申请表上的被保险人信息得到相关数据,来探索这些信息对保险费的影响,并与中国平安公司的交强险对比。
China’s auto insurance pricing mechanism is relatively inflexible, to some extent auto insurance pricing can be said that stereotyped. However, people are different from each other. Each person’s gender, age, occupation and other circumstances are different, and their degree of risk is also different. Therefore, when pricing automobile insurance, they should be taken into consideration. In contrast, the insurance industry’s birthplace - the UK car insurance pricing to “humane ” much. In order to study the impact of personal information on the auto insurance pricing, we will explore the impact of these information on the insurance premium by changing the information of insured persons on the basic auto insurance application form of Aviva Insurance Company in the UK and compare it with that of Ping An Insurance Company of China .