Bonus-Malus Systems in Automobile Insurance
Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the cur...
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Dordrecht
Springer Netherlands
1995
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| Ausgabe: | 1st ed. 1995 |
| Schriftenreihe: | Huebner International Series on Risk, Insurance and Economic Security
19 |
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| Online-Zugang: | DE-634 URL des Erstveröffentlichers |
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| 490 | 0 | |a Huebner International Series on Risk, Insurance and Economic Security |v 19 | |
| 520 | |a Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the current deregulation trends that concern most insurance markets around the world, many companies will need to develop their own BMS. The main objective of the book is to provide them models to design BMS that meet their objectives. Part I of the book contains an overall presentation of the pros and cons of merit-rating, a case study and a review of the different probability distributions that can be used to model the number of claims in an automobile portfolio. In Part II, 30 systems from 22 different countries, are evaluated and ranked according to their 'toughness' towards policyholders. Four tools are created to evaluate that toughness and provide a tentative classification of all systems. Then, factor analysis is used to aggregate and summarize the data, and provide a final ranking of all systems. Part III is an up-to-date review of all the probability models that have been proposed for the design of an optimal BMS. The application of these models would enable the reader to devise the system that is ideally suited to the behavior of the policyholders of his own insurance company. Finally, Part IV analyses an alternative to BMS; the introduction of a policy with a deductible | ||
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Datensatz im Suchindex
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| any_adam_object | |
| author | Lemaire, Jean |
| author_facet | Lemaire, Jean |
| author_role | aut |
| author_sort | Lemaire, Jean |
| author_variant | j l jl |
| building | Verbundindex |
| bvnumber | BV046872827 |
| classification_rvk | QQ 645 |
| collection | ZDB-2-SBE ZDB-2-BAE |
| ctrlnum | (ZDB-2-SBE)978-94-011-0631-3 (OCoLC)903193577 (DE-599)BVBBV046872827 |
| dewey-full | 332 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332 |
| dewey-search | 332 |
| dewey-sort | 3332 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| doi_str_mv | 10.1007/978-94-011-0631-3 |
| edition | 1st ed. 1995 |
| format | Electronic eBook |
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| id | DE-604.BV046872827 |
| illustrated | Not Illustrated |
| indexdate | 2024-12-24T08:18:31Z |
| institution | BVB |
| isbn | 9789401106313 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-032282959 |
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| series2 | Huebner International Series on Risk, Insurance and Economic Security |
| spelling | Lemaire, Jean Verfasser aut Bonus-Malus Systems in Automobile Insurance by Jean Lemaire 1st ed. 1995 Dordrecht Springer Netherlands 1995 1 Online-Ressource (XXVI, 285 p) txt rdacontent c rdamedia cr rdacarrier Huebner International Series on Risk, Insurance and Economic Security 19 Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the current deregulation trends that concern most insurance markets around the world, many companies will need to develop their own BMS. The main objective of the book is to provide them models to design BMS that meet their objectives. Part I of the book contains an overall presentation of the pros and cons of merit-rating, a case study and a review of the different probability distributions that can be used to model the number of claims in an automobile portfolio. In Part II, 30 systems from 22 different countries, are evaluated and ranked according to their 'toughness' towards policyholders. Four tools are created to evaluate that toughness and provide a tentative classification of all systems. Then, factor analysis is used to aggregate and summarize the data, and provide a final ranking of all systems. Part III is an up-to-date review of all the probability models that have been proposed for the design of an optimal BMS. The application of these models would enable the reader to devise the system that is ideally suited to the behavior of the policyholders of his own insurance company. Finally, Part IV analyses an alternative to BMS; the introduction of a policy with a deductible Finance, general Business and Management, general Finance Business Management science Kraftfahrtversicherung (DE-588)4073750-0 gnd rswk-swf Bonus (DE-588)4146278-6 gnd rswk-swf Bonus (DE-588)4146278-6 s Kraftfahrtversicherung (DE-588)4073750-0 s DE-604 Erscheint auch als Druck-Ausgabe 9789401042758 Erscheint auch als Druck-Ausgabe 9780792395454 Erscheint auch als Druck-Ausgabe 9789401106320 https://doi.org/10.1007/978-94-011-0631-3 Verlag URL des Erstveröffentlichers Volltext |
| spellingShingle | Lemaire, Jean Bonus-Malus Systems in Automobile Insurance Finance, general Business and Management, general Finance Business Management science Kraftfahrtversicherung (DE-588)4073750-0 gnd Bonus (DE-588)4146278-6 gnd |
| subject_GND | (DE-588)4073750-0 (DE-588)4146278-6 |
| title | Bonus-Malus Systems in Automobile Insurance |
| title_auth | Bonus-Malus Systems in Automobile Insurance |
| title_exact_search | Bonus-Malus Systems in Automobile Insurance |
| title_full | Bonus-Malus Systems in Automobile Insurance by Jean Lemaire |
| title_fullStr | Bonus-Malus Systems in Automobile Insurance by Jean Lemaire |
| title_full_unstemmed | Bonus-Malus Systems in Automobile Insurance by Jean Lemaire |
| title_short | Bonus-Malus Systems in Automobile Insurance |
| title_sort | bonus malus systems in automobile insurance |
| topic | Finance, general Business and Management, general Finance Business Management science Kraftfahrtversicherung (DE-588)4073750-0 gnd Bonus (DE-588)4146278-6 gnd |
| topic_facet | Finance, general Business and Management, general Finance Business Management science Kraftfahrtversicherung Bonus |
| url | https://doi.org/10.1007/978-94-011-0631-3 |
| work_keys_str_mv | AT lemairejean bonusmalussystemsinautomobileinsurance |