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Telematik in der Versicherungsbranche. Ein Ansatz von risikoindividueller Tarifierung in der Kfz-Versicherung

Telematik in der Versicherungsbranche. Ein Ansatz von risikoindividueller Tarifierung in der Kfz-Versicherung

          
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About the Book

Studienarbeit aus dem Jahr 2019 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, Universität Duisburg-Essen, Sprache: Deutsch, Abstract: Diese Arbeit beschäftigt sich daher im Folgenden mit der Telematik für Kfz-Versicherung und stellt ein Modell vor, mithilfe dessen verschiedene Fahrstile analysiert und unterschieden werden können. Ihr Ansatz nutzt die Diskrete Fourier Transformation (DFT) - diese ist die Überführung einer zeitabhängigen Funktion in eine frequenzabhängige Funktion - zur Erkennung von Fahrmustern welche zur Erstellung individueller Risikoprofile genutzt werden können. Aufgrund technischer Neuerungen vor allem durch die immer weiter fortschreitende Digitalisierung sowie des deregulierungsbedingten Preiswettbewerbs, kommt es zu immer mehr Innovationen auch auf dem deutschen Markt für Kfz-Versicherungen. Eine dieser Neuerungen umfasst die Telematik. Hierbei handelt es sich um einen Neologismus der sich aus den Wörtern Telekommunikation (telecommunication) und Informatik (informatics) zusammensetzt. Darunter ist die Verwendung von elektronisch übermittelten individuellen Bewegungsdaten der versicherten Pkw zu verstehen, die bereits durch verschiedene Schritte komprimiert, plausibilisiert, bereinigt und transformiert werden, bevor sie bspw. einer Versicherung zur Verfügung gestellt werden. Die Verbreitung von Telematik-Tarifen begann in den U.S.A. 1989 und erreichte Europa mit den ersten Verträgen in Italien im Jahre 2000. Erste Tarife dieser Art wurden in Deutschland in 2014 eingeführt. In der Praxis haben sich unterschiedliche Ausgestaltungen in der Kfz-Versicherung entwickelt. Dies sind bspw. Tarife in denen auf die tatsächlich gefahrenen Kilometer abgestellt wird, sogenannte "pay-as-you-drive"-Tarife (PAYD). Weiterhin sind es Tarife bei denen zu den gefahrenen Kilometern bspw. auch die Fahrhäufigkeit oder auch die Tages-/Nachtzeit der Fahrten herangezogen werden, sog. "pay-how-you-drive"-Tarife (PHYD). Die beschriebenen Tarife we


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Product Details
  • ISBN-13: 9783346175748
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 28
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 334617574X
  • Publisher Date: 16 Apr 2020
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 50 gr


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