JP7144381B2 - Insurance premium calculation device and insurance premium calculation method - Google Patents

Description

TECHNICAL FIELD The present invention relates to an insurance premium calculation device and an insurance premium calculation method for calculating insurance premiums for users of rental vehicles used in a car sharing business or the like.

2. Description of the Related Art In recent years, so-called telematics insurance services, which collect and analyze driving data detected by various sensors mounted on vehicles and calculate insurance premiums for vehicle users, have become widespread. As a device for calculating such an insurance premium, there is known a device that lowers the insurance premium according to the number of times a specific vehicle such as a owned vehicle is driven under predetermined conditions (see, for example, Patent Document 1). .

JP 2017-168040 A

By the way, in the car sharing business and the like, the fee for renting a vehicle is generally determined according to the size of the vehicle, etc., and there is a tendency that small vehicles with low fees are preferred over large vehicles. Therefore, it is preferable to set insurance premiums that increase the rental rate of all rental vehicles owned by business operators. However, if insurance premiums are simply set according to the number of times a vehicle is driven, as in the device described in Patent Document 1, it is difficult to increase the rental rate of all rental vehicles.

One aspect of the present invention is an insurance premium calculation device that calculates an insurance premium for each user in a vehicle rental service in which a rental vehicle selected from among a plurality of rental vehicles is rented to a user, wherein the vehicle a storage unit for storing usage history information of a rental service; a reservation reception unit for accepting a reservation for use of a rental vehicle from a user; and an information output unit for outputting information on the insurance premium calculated by the insurance premium calculation unit. The usage history information includes information on the vehicle type of a past rental vehicle that has been lent to a user in the past, among a plurality of rental vehicles. The storage unit further stores information on the discount rate of insurance premiums for the next use, which is set in advance so that the higher the difficulty of driving is, the higher the discount rate is for each type of rental vehicle. The insurance premium calculation unit calculates the insurance premium for the current use based on the information on the vehicle type of the past rented vehicle stored in the storage unit and the information on the discount rate of the insurance premium for the next use.

Another aspect of the present invention is an insurance premium calculation method for calculating an insurance premium for each user in a vehicle rental service in which a rental vehicle selected from among a plurality of rental vehicles is rented to a user, which is executed by a computer. a reservation receiving step for receiving a reservation for use of a rented vehicle from a user; , an insurance premium calculation step of calculating an insurance premium for use of the rented vehicle, and an information output step of outputting information on the insurance premium calculated in the insurance premium calculation step. The usage history information includes information on the vehicle type of a past rental vehicle that has been lent to a user in the past, among a plurality of rental vehicles. In the insurance premium calculation step, information on the type of vehicle that has been rented in the past and information on the discount rate of the insurance premium for the next use, which is set in advance so that the higher the difficulty of driving for each type of rental vehicle, the higher the rate. Based on this, the insurance premium at the time of use is calculated.

ADVANTAGE OF THE INVENTION According to this invention, the rental rate of the whole rental vehicle can be raised.

A diagram for explaining insurance premiums for users of rental vehicles. FIG. 4 is a diagram for explaining a discount rate of insurance premiums used by the insurance premium calculation device according to the embodiment of the present invention; 1 is a block diagram showing the overall configuration of an insurance premium calculation system having an insurance premium calculation device according to an embodiment of the present invention; FIG. 4 is a flowchart showing an example of processing by the insurance premium calculation device according to the embodiment of the present invention;

An embodiment of the present invention will be described below with reference to FIGS. 1 to 4. FIG. An insurance premium calculation device according to an embodiment of the present invention is configured so that, for example, a business entity that engages in a car sharing business, a rental car business, or the like can present an insurance premium for a rental vehicle to a user.

The insurance premium calculation device according to the present embodiment is suitable for both a car sharing business in which a vehicle is rented unattended using a pre-registered IC card or the like, and a rental car business in which a vehicle is rented face-to-face with a clerk. Applicable. An example of application to a car sharing business will be described below.

Insurance premiums for rental vehicle users are set for each user and vehicle type according to the possibility of damage to the rental vehicle by the user and the vehicle price of the rental vehicle, and are presented to the user when making a reservation. be done. That is, the base amount of the insurance premium predetermined for each vehicle type is discounted and set based on the user's information. For example, the discount is given according to the number of times the rental vehicle is used by each user.

FIG. 1 is a diagram for explaining insurance premiums for a user of a rented vehicle. As an example, insurance premiums when using a rented vehicle for the fourth time will be described. As shown in FIG. 1, insurance premiums for using a rented vehicle are discounted according to the number of times the rented vehicle has been used in the past. That is, the insurance premium when using a rented vehicle for the first time is set to a predetermined basic amount I1 for each vehicle type of the rented vehicle, and the insurance premium when using the rented vehicle for the second to fourth times is Discounts will be given according to the number of times of use of 1 to 3 times. Such a fee structure increases the motivation of the user to use the rental vehicle.

By the way, rental vehicles include various types of vehicles, but the rental rate of vehicles that are difficult to drive, such as large vehicles and sports cars, and vehicles that require high usage fees, is lower than that of vehicles that are less difficult, such as small vehicles. It tends to be lower than the rental rate of vehicles with low usage fees. Therefore, in the present embodiment, the insurance premium calculation device is configured as follows so as to improve the rental rate of the entire rental vehicle by discounting the insurance premium according to the vehicle type of the rental vehicle used in the past.

FIG. 2 is a diagram for explaining the insurance premium discount rate used by the insurance premium calculation device according to the embodiment of the present invention. An example of a discount rate is shown.

The vehicle type A is a compact car such as a compact car, and the difficulty level for driving the vehicle type A is set to "normal". The vehicle type B is a large vehicle such as an SUV or a sedan, and the difficulty level for driving the vehicle type B is set to "high". The vehicle type C is a sports car or the like, and the difficulty level for driving the vehicle type C is set to "high". In this way, the degree of difficulty in driving each vehicle type is set according to vehicle dimensions such as vehicle width, vehicle length, and vehicle height, vehicle class such as engine displacement, and the like.

In such a case, the discount rates Rb and Rc for the next use of the insurance premium applied when using the vehicle types B and C are the discount rates for the next use of the insurance premium when using the vehicle type A. It is set higher than Ra. That is, when the vehicle types B and C, which are highly difficult to drive, are used, the discount rate of the insurance premium for the next use is higher than when the vehicle type A, which is normally difficult to drive, is used.

For example, when the vehicle type A is used every time from the first to the third times, as indicated by the dashed line in FIG. More specifically, the second insurance premium I2 is I2=I1×Ra, the third insurance premium I3 is I3=I2×Ra (=I1×Ra^2), and the fourth insurance premium I4 is It is set to I4=I3*Ra (=I1*Ra^3).

On the other hand, when vehicle type A is used for the first time, vehicle type B is used for the second time, and vehicle type C is used for the third time, as shown by the solid line in FIG. Discounts are given at discount rates Ra to Rc corresponding to vehicle models A to C. More specifically, the second insurance premium I2 is I2=I1×Ra, the third insurance premium I3 is I3=I2×Rb (=I1×Ra×Rb), and the fourth insurance premium I4 is: It is set to I4=I3*Rc (=I1*Ra*Rb*Rc).

This fee structure increases the motivation of users to use vehicles with a high degree of difficulty, which increases the rental rate of vehicles with a high degree of difficulty, resulting in an increase in the rental rate of all rental vehicles. do.

FIG. 3 is a block diagram showing the overall configuration of an insurance premium calculation system 100 having a server 10 that functions as an insurance premium calculation device according to an embodiment of the present invention. As shown in FIG. 1, an insurance premium calculation system 100 includes a server 10 owned by a business entity that provides a car sharing service, an in-vehicle device 20 provided in a rental vehicle 2 that is owned by the business entity that provides a car sharing service, and a rental vehicle. and a user terminal 30 owned by a user who uses the vehicle 2 .

The server 10, the in-vehicle device 20, and the user terminal 30 are connected to a communication network 4 such as a wireless communication network, Internet network, telephone line network, or the like. Although FIG. 3 shows one in-vehicle device 20 and one user terminal 30 for the sake of convenience, it includes the in-vehicle device 20 of each of the plurality of rental vehicles 2 and the user terminal 30 of each of the plurality of users. The insurance premium calculation system 100 may be configured by: Also, although a single server 10 is shown in FIG. 3, the functions shown in the server 10 of FIG. 3 may be distributed over a plurality of server devices.

As shown in FIG. 3, the in-vehicle device 20 includes a communication unit 21 configured to be able to wirelessly communicate with the server 10 via the communication network 4, an input/output unit 22, a calculation unit 23, and a storage unit 24. . A sensor group 25 such as a GPS sensor and an acceleration sensor mounted on the rental vehicle 2 is connected to the in-vehicle device 20 .

The GPS sensor of the sensor group 25 receives signals from GPS satellites and measures the current position of the rental vehicle 2 . The moving speed of the rental vehicle 2 can be calculated based on the position information detected by the GPS sensor. The acceleration sensor of the sensor group 25 is composed of a 6-axis acceleration sensor or the like, and detects the magnitude of acceleration acting on the rental vehicle 2 . Based on the magnitude of acceleration detected by the acceleration sensor, it is possible to determine whether or not the rental vehicle 2 suddenly stops or starts suddenly. A signal from the sensor group 25 is transmitted to the server 10 at predetermined intervals through the communication unit 21 together with the vehicle ID that identifies the rental vehicle 2 .

The input/output unit 22 includes a card reader 221 . The card reader 221 reads user information from the authentication card owned by the user of the rental vehicle 2 . As the authentication card, for example, a driver's license (IC card license) in which an integrated circuit (IC) is incorporated and personal information of the user is stored is used. The card reader 221 is provided at a predetermined portion (for example, under the rear window) of the rental vehicle 2 so as to be able to recognize an authentication card approached from outside the vehicle.

The calculation unit 23 has a CPU, and receives signals input via the card reader 221, signals detected by the sensor group 25, signals received from the outside of the in-vehicle device 20 via the communication unit 21, and stored in the storage unit 24. Predetermined processing is executed based on the stored data, and a control signal is output to each part of the in-vehicle device 20 .

The calculation unit 23 further outputs a control signal to the communication unit 21 to control transmission/reception of signals between the in-vehicle device 20 and the server 10 . For example, when the user brings the authentication card close to the card reader 221 when renting and returning the rental vehicle 2 , the calculation unit 23 identifies the rental vehicle 2 by using the user information read through the card reader 221 . It is transmitted to the server 10 via the communication unit 21 together with the vehicle ID. The user information includes a user ID that identifies the user.

The storage unit 24 has a volatile or non-volatile memory (not shown). Various programs executed by the calculation unit 23 and various data are stored in the storage unit 24 . For example, user information read via the card reader 221 and data detected by the sensor group 25 are temporarily stored. The stored user information and detection data are transmitted to the server 10 via the communication section 21 by processing in the calculation section 23 .

The user terminal 30 is configured by a personal computer operated by a user, a smart phone, or the like. The user terminal 30 has a communication section 31 , an input/output section 32 , a calculation section 33 and a storage section 34 .

The communication unit 31 is configured to be able to wirelessly communicate with the server 10 via the communication network 4 . The communication unit 31 transmits to the server 10 a user ID that identifies the user and a signal that instructs reservation of use of the rental vehicle 2, cancellation, or the like.

The input/output unit 32 has, for example, a keyboard, mouse, monitor, touch panel, and the like. The user inputs user information and reservation information via the input/output unit 32 . The user information includes the user's address, name, contact information, driver's license number, information necessary for settlement (for example, credit card number), and the like. The user can use the rental vehicle 2 after inputting the user information and registering as a member.

When making a reservation to use the rental vehicle 2, the user inputs reservation information specifying the vehicle type, date and time of use, and the like. At this time, the server 10 transmits to the user terminal 30 various information including the insurance premium for the specified vehicle type. Various information transmitted from the server 10 is displayed on the input/output unit 32 such as a monitor. When the user accepts the displayed content, the vehicle reservation is confirmed.

The calculation unit 33 has a CPU, and based on a signal input via the input/output unit 32, a signal received from the outside of the user terminal 30 via the communication unit 31, and data stored in the storage unit 34, A predetermined process is executed and a control signal is output to each part of the user terminal 30 . Through the processing in the calculation unit 33, the user can confirm, change, and consent to user information and reservation information through the input/output unit 32 such as a monitor.

The storage unit 34 has a volatile or non-volatile memory (not shown). Various programs executed by the calculation unit 33 and various data are stored in the storage unit 34 .

As shown in FIG. 3, the server 10 is provided, for example, in a business entity that provides car sharing services. The server 10 can also be configured using a virtual server function on the cloud. The server 10 has a communication unit 11 , an input/output unit 12 , a calculation unit 13 and a storage unit 14 .

The communication unit 11 is configured to be wirelessly communicable with the in-vehicle device 20 and the user terminal 30 via the communication network 4 . The input/output unit 12 has, for example, a keyboard, mouse, monitor, touch panel, and the like. The calculation unit 13 has a CPU, and performs a predetermined operation based on a signal input via the input/output unit 12, a signal received from the outside of the server 10 via the communication unit 11, and data stored in the storage unit 14. It executes processing and outputs a control signal to each unit of the server 10 .

The storage unit 14 has a volatile or non-volatile memory (not shown). In the storage unit 14, in addition to various programs executed by the calculation unit 13, various data such as the basic amount of insurance premiums preset for each type of rental vehicle 2, the degree of difficulty when driving, and the discount rate of insurance premiums. is stored. Further, in the storage unit 14, usage history information including detection data by the sensor group 25 transmitted from the in-vehicle device 20 of the rental vehicle 2 is stored for each user in association with the user ID. The usage history information also includes user information and reservation information transmitted from the user terminal 30 .

The calculation unit 13 has a reservation acceptance unit 131 , an insurance premium calculation unit 132 , and an information output unit 133 as functional components handled by the processor, particularly components related to presentation of insurance premiums to the user of the rental vehicle 2 .

The reservation reception unit 131 receives a reservation for use of the rental vehicle 2 from the user. That is, based on the reservation information, which is transmitted from the user terminal 30 and specifies the vehicle type, date and time of use, etc., reservations for the rental vehicle 2 from each user are accepted.

When the reservation reception unit 131 receives the reservation for use, the insurance premium calculation unit 132 determines the use of the rental vehicle 2 of the model designated by the reservation information based on the usage history information for each user stored in the storage unit 14. Calculate the insurance premium for That is, the current insurance premium is calculated by discounting the basic amount of the insurance premium for the vehicle type specified in the current use reservation according to the vehicle type of the rental vehicle 2 used in the past and the number of times of use.

Further, the insurance premium calculation unit 132 determines the presence or absence of excessive speed, sudden stop, sudden start, etc. based on the data detected by the sensor group 25 when the user used the rental vehicle 2 in the past, and determines whether the user is driving safely. In addition to evaluating the extent of the loss, the calculated insurance premiums are corrected. For example, when the frequency of speeding, sudden stops, sudden starts, etc. exceeds a predetermined value, an appropriate correction coefficient is multiplied to correct the insurance premium.

The information output unit 133 transmits the insurance premium information calculated by the insurance premium calculation unit 132 to the user terminal 30 . In addition to information on insurance premiums, the information output unit 133 outputs the evaluation result of the user's degree of safe driving, the type of the rental vehicle 2 used in the past, the number of times of use, the discount rate applied this time, and the discount rate applied next time. and other information is also transmitted. The insurance premium information transmitted to the user terminal 30 is displayed on the input/output unit 32 such as a monitor, thereby presenting the insurance premium to the user when using the rented vehicle 2 this time.

FIG. 4 is a flow chart showing an example of processing executed by the computing unit 13 of the server 10 in accordance with a pre-stored program, particularly an example of processing relating to presentation of insurance premiums to the user of the rented vehicle 2 . The processing shown in this flowchart is started when reservation information is transmitted from the user terminal 30, for example.

First, in step S1, a reservation for use of the rental vehicle 2 from the user is received by processing in the reservation receiving unit 131. FIG. Next, in step S2, the insurance premium calculation unit 132 determines whether or not the user who received the reservation for use in step S1 has used the rental vehicle 2 in the past. If the result in step S2 is affirmative, the process proceeds to step S3, and if the result is negative, step S3 is skipped and the process proceeds to step S4. In step S3, the usage history information of the user stored in the storage unit 14 is read, and in step S4, the discount rate applied this time, the insurance premium this time, and the discount rate applied next time are calculated based on the usage history information. calculate. In addition, the degree of safe driving of the user is evaluated, and the calculated insurance premium is corrected as necessary. Next, in step S5, the information output unit 133 transmits to the user terminal 30 various types of information including the insurance premium information calculated in step S4.

The operation of this embodiment will be specifically described as follows. When a user who has used a rental vehicle 2 once in the past logs into the reservation site of the vehicle rental service using the user terminal 30, specifies the date and time of use, and enters reservation information, the available vehicle types and Usage fees including insurance premiums are displayed on the reservation screen (steps S1 to S5 in FIG. 4). For users who have driven safely in the past, the basic amount I1 for each of the vehicle types B and C that can be used this time is discounted at a discount rate Ra according to the vehicle type A of the rental vehicle 2 that has been used in the past. (Figs. 1 and 2).

The reservation screen further displays the discount rate to be applied next time for each of the vehicle types B and C that can be used this time. That is, the discount rate Ra×Rb to be applied next time when vehicle type B is used this time and the discount rate to be applied next time when vehicle type C is used this time are displayed as Ra×Rc. Vehicle types B and C that can be used this time are both difficult to drive, but the discount rate for the next insurance premium will be high, so only vehicle types B and C that can be used for rental vehicles 2 with a high degree of difficulty are available. However, it is difficult for users to hesitate to use it.

The discount rate Ra×Rb in the case where the user who used the vehicle type B with a high degree of difficulty for safe driving further uses the rental vehicle 2 next time is higher than the discount rate Ra×Ra in the case where the user uses the vehicle type A each time. set. Therefore, it is possible to appropriately discount insurance premiums for users who use vehicle type B, which has a high degree of difficulty, for safe driving. In addition, the user can improve his driving skill by using the vehicle type B, which has a high degree of difficulty, and can drive safely even when driving the vehicle type A, which is usually used.

According to this embodiment, the following effects can be obtained.
(1) The server 10, which functions as an insurance premium calculation device according to the present embodiment, calculates insurance premiums for each user in a vehicle rental service in which a rental vehicle 2 selected from a plurality of rental vehicles 2 is rented to the user. calculate. The server 10 includes a storage unit 14 for storing usage history information of the vehicle rental service for each user, a reservation reception unit 131 for receiving a reservation for use of the rental vehicle 2 from the user, and a reservation for use by the reservation reception unit 131. Then, based on the usage history information stored in the storage unit 14, the insurance premium calculation unit 132 calculates the insurance premium for the use of the rented vehicle 2, and the insurance premium information calculated by the insurance premium calculation unit 132 is calculated. and an information output unit 133 for outputting (FIG. 3). The usage history information includes information on the vehicle types of the rental vehicles 2 that have been lent to the user in the past, among the plurality of rental vehicles 2 .

That is, by discounting the insurance premium from the basic amount according to the vehicle type of the rented vehicle 2 used in the past, it is possible to provide an attractive fee system for users of the vehicle rental service who use various vehicle types. Further, by setting a high discount rate for the next use, which is applied when a vehicle with a high degree of difficulty or a vehicle with a high usage fee is used, the rental rate of the entire rental vehicle 2 can be improved.

(2) The usage history information includes information on the driving operation of the rental vehicle 2 that has been lent to the user in the past among the plurality of rental vehicles 2 . For example, based on data detected by a GPS sensor or an acceleration sensor, it is possible to determine the presence or absence of excessive speed, sudden stops, and sudden starts, and evaluate the degree of safe driving of the user, thereby correcting the calculated insurance premium. . By correcting the insurance premium based on the degree of safe driving of the user, it is possible to set a more appropriate insurance premium and raise the user's awareness of safe driving.

(3) The plurality of rental vehicles 2 includes a first vehicle and a second vehicle of different types. The storage unit 14 stores usage history information indicating that the user has used the first vehicle. The rental vehicle 2 for which the reservation reception unit 131 receives a reservation for use is the second vehicle. The usage history information includes information on the vehicle type of the first vehicle. Since users of the vehicle rental service use rental vehicles 2 of various types, they are attracted to a fee system in which insurance premiums are discounted according to the types of vehicles used in the past.

(4) The usage history information includes information on the degree of difficulty of driving the first vehicle. For example, if you use a vehicle that is difficult to drive, such as a large vehicle or a sports car, you can increase the discount rate on the insurance premium the next time you use it, thereby improving the rental rate of vehicles with a high degree of difficulty. As a result, the rental rate of the entire rental vehicle can be improved.

(5) The difficulty level of driving the first vehicle is set based on the vehicle class of the first vehicle. In other words, the difficulty level is set according to the vehicle dimensions such as vehicle width, vehicle length, and vehicle height, and the vehicle class such as engine displacement. You can set the rate.

(6) The first vehicle is larger than the second vehicle. In this case, the insurance premium for using the second vehicle is discounted at a high discount rate. With such a fee system, the user's motivation to use the rental vehicle 2 with a large vehicle class is enhanced, and as a result, the rental rate of the vehicle with a large vehicle class increases, and as a result, the entire rental vehicle 2 can be rented. rate improves.

The above embodiment can be modified in various forms. Modifications will be described below. In the above-described embodiment, data detected by the GPS sensor and the acceleration sensor were exemplified as the data detected by the sensor group 25 included in the usage history information, but the information on the driving operation of the rental vehicle is not limited to such data. For example, the detection value of the vehicle speed sensor of the rental vehicle 2, the detection information of the brake sensor, or the like may be used.

In the above embodiment, the insurance premium calculation unit 132 multiplies the previous insurance premium by a predetermined discount rate to calculate the current insurance premium. Not exclusively. The current insurance premium may be calculated by subtracting a predetermined discount amount according to the type of vehicle used in the past from the previous insurance premium.

Although the present invention has been described above as an insurance premium calculation device, the present invention calculates an insurance premium for each user in a vehicle rental service in which a rental vehicle 2 selected from a plurality of rental vehicles 2 is rented to the user. It can also be used as an insurance premium calculation method. That is, the insurance premium calculation method includes a reservation reception step S1 for receiving a reservation for use of the rental vehicle 2 from the user, which is executed by a computer, and stored in the storage unit 14 when the reservation for use is received in the reservation reception step S1. insurance premium calculation steps S2 to S4 for calculating insurance premiums related to the use of the rental vehicle 2 based on the usage history information of the vehicle rental service for each user; and an information output step S5 for outputting information (FIG. 4).

The above description is merely an example, and the present invention is not limited by the above-described embodiments and modifications as long as the features of the present invention are not impaired. It is also possible to arbitrarily combine one or more of the above embodiments and modifications, and it is also possible to combine modifications with each other.

2 rental vehicle, 4 communication network, 10 server, 11 communication unit, 13 calculation unit, 14 storage unit, 20 in-vehicle device, 21 communication unit, 22 input/output unit, 25 sensor group, 30 user terminal, 31 communication unit, 32 Input/output unit 100 insurance premium calculation system 131 reservation reception unit 132 insurance premium calculation unit 133 information output unit

Claims (4)

An insurance premium calculation device for calculating an insurance premium for each user in a vehicle rental service for renting a rental vehicle selected from a plurality of rental vehicles to a user,
a storage unit that stores usage history information of the vehicle rental service for each user;
a reservation reception unit that receives a reservation for use of the rental vehicle from the user;
an insurance premium calculation unit that calculates an insurance premium for use of the rental vehicle based on the usage history information stored in the storage unit when a reservation for use is received by the reservation reception unit;
an information output unit that outputs information on the insurance premium calculated by the insurance premium calculation unit;
The usage history information includes information on the vehicle type of a past rental vehicle that has been lent to the user in the past, among the plurality of rental vehicles ,
The storage unit further stores information on a discount rate of insurance premiums for the next use, which is set in advance so that the higher the difficulty of driving for each type of the plurality of rental vehicles, the higher the discount rate,
The insurance premium calculation unit calculates the insurance premium for the current use based on the information on the vehicle type of the past rented vehicle stored in the storage unit and the information on the discount rate of the insurance premium for the next use . An insurance premium calculation device characterized by: In the insurance premium calculation device according to claim 1,
The usage history information includes information on the driving operation of the past rental vehicle ,
The insurance premium calculation unit further evaluates the degree of safe driving of the user based on the information on the past driving operation of the rented vehicle stored in the storage unit, and based on the evaluation result, the current usage An insurance premium calculation device characterized by correcting an insurance premium. In the insurance premium calculation device according to claim 1 or 2,
The insurance premium calculation device, wherein the difficulty level of driving the rental vehicle is set based on the vehicle class of the rental vehicle. An insurance premium calculation method for calculating an insurance premium for each user in a vehicle rental service for renting a rental vehicle selected from a plurality of rental vehicles to a user, comprising:
respectively executed by a computer,
a reservation acceptance step of accepting a reservation for use of the rental vehicle from the user;
Insurance premium calculation for calculating insurance premiums related to the use of the rental vehicle based on the usage history information of the vehicle rental service for each of the users stored in the storage unit when the reservation for use is accepted in the reservation acceptance step. a step;
and an information output step of outputting information on the insurance premium calculated in the insurance premium calculation step,
The usage history information includes information on the vehicle type of a past rental vehicle that has been lent to the user in the past, among the plurality of rental vehicles ,
In the insurance premium calculation step, the discount rate of the insurance premium for the next use is set in advance so that the higher the driving difficulty is, the higher the vehicle type of the plurality of rental vehicles is and the information of the vehicle type of the rented vehicle in the past is set. An insurance premium calculation method characterized by calculating the insurance premium at the time of current use based on the information of.

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