Following a regulatory change in Europe which mandates that car manufacturers include an eCall system in new vehicles, many car manufacturers are adding additional services on top, so that more and more cars become connected vehicles and act like IoT sensors. In the following study, we analyse the maturity level of this new technology to build insurance products that would take vehicle usage into account. For this, the connectivity of recent cars a-priori eligible has been first tested. Then, an ad-hoc platform has been designed to collect driving data. In particular, 4 cars have been connected to this platform for periods of over one month. Our results highlight that, while this technological innovation appears very promising in the future, the pricing, the lack of uniformity of data collected and the enrollment process are currently three pain points that should be addressed to offer large-scale opportunities. In the meantime, this technology might still be used for high value use cases such as the insurance of luxurious cars.
翻译:欧洲的监管变化要求汽车制造商在新车中包括电子计算机系统,许多汽车制造商正在增加更多的服务,使越来越多的汽车成为连接车辆,并像IoT传感器一样运作。在接下来的研究中,我们分析了这项新技术的成熟程度,以建立保险产品,同时考虑到车辆的使用。为此,首次测试了符合优先条件的近期汽车的连通性。随后,设计了一个特别热能平台,以收集驾驶数据。特别是,4辆汽车与该平台连接了一个多月。我们的结果突出表明,虽然这一技术创新在未来似乎很有希望,但价格、所收集的数据缺乏统一性和招生过程是目前应该解决的三大痛苦点,以提供大规模的机会。与此同时,这一技术仍可用于高价值使用案例,如豪华汽车保险。