KR20190135399A - Method for forecasting vehicle insurance - Google Patents

Abstract

The present invention relates to a method for providing information on an estimated vehicle insurance premium in which a vehicle insurance estimating server estimates a vehicle insurance premium and provides the estimated vehicle insurance premium. According to the aspect of the present invention, the method for providing information on an estimate vehicle insurance premium includes: a basic premium calculating step of calculating a basic premium at evaluation time, which is fixed for a client buying vehicle insurance; an accident violation detail input step of inputting accident violation details including law violation details and vehicle accident details from time renewing a current insurance contract period to the past three years; an estimated vehicle insurance premium calculating step of calculating an estimated vehicle insurance premium of the client based on the basic premium calculated and the accident violation details; and an estimated vehicle insurance premium displaying step of displaying the estimated vehicle insurance premium.

Description

{Method for forecasting vehicle insurance}

The present invention relates to a vehicle estimated premium information providing method, and to a vehicle estimated premium information providing method for estimating and providing a vehicle premium based on traffic violations and accident details.

In recent years, vehicles have been increasingly utilized as vehicles, vehicles, and living spaces. In the past, in the form of a vehicle functioning as a simple movement and transportation, it has recently been changed to a vehicle functioning as a living space. This can increase the utilization of urban space, such as camping cars, food trucks.

In addition, there is a frequent occurrence of one or more vehicles per household. As a result, the amount of use of the vehicle is greatly increased, and the importance of accident compensation is increasing as well as convenience. In particular, as the cost of vehicles rises and the demand for imported cars rises, customers are also burdened with premiums.

To this end, each insurance company offers a variety of insurance products to meet the conditions of the driver in car insurance.

However, in the case of the existing vehicle insurance, the contract is made by the on / offline subscription system, and the offline insurance insurance method is made through the direct contract of the insurance agent. Complicated procedures, such as premium calculation and insurance contract preparation. There is a disadvantage in that more cost is required because of the time and labor costs involved.

Therefore, as a complementary method and system, it provides a real-time insurance premium comparison and contract service method using the Internet. However, the conventional insurance premium comparison and contract service method has a limitation that only one year premium is provided to the customer when the customer inputs basic information to calculate the insurance premium for each insurance company.

Therefore, there is a problem that customers cannot know the impact on future insurance premium calculations when insurance is covered.

In other words, depending on whether or not an accident affects the future vehicle insurance premiums, the interval between classes caused by the accident (if there were no accidents, the premiums that were continuously discounted and the future when the insurance was processed (for example, 3 years, 10 years)) The premium increase is a problem that customers cannot know directly.

Korea Patent Publication 10-2003-0043196

The technical problem of the present invention is to provide a vehicle insurance premium for the next few years in consideration of the traffic accident details and traffic law violation history for each customer.

According to an aspect of the present invention, there is provided a vehicle estimated premium information providing method in which a vehicle premium prediction server estimates and provides a vehicle premium, the method comprising: a basic premium calculation process of calculating a basic premium at an evaluation time point assigned to a customer who has subscribed to a vehicle insurance; A process of inputting an accident violation history that receives an accident violation history including vehicle accident history and legal violation history from the time of renewing the current insurance contract period to the past three years; A vehicle estimating premium calculation process of calculating a vehicle's estimated insurance premium based on the calculated basic insurance premium and a history of accident violation; And a vehicle estimating insurance premium displaying process for displaying the vehicle estimating insurance premium.

The basic insurance calculation process includes a premium paid, which is a vehicle premium paid by the customer during the current insurance contract period, a customer characteristic rate in consideration of the insurance history of the customer and the violation rate of traffic regulations, and a discount premium considering the number of vehicle accidents of the customer. The basic rate can be calculated by applying rates.

The basic premium calculation process may include: a payment premium input process of receiving a payment premium, which is a vehicle premium paid by a customer in a current insurance contract period; A customer characteristic rate calculation process of calculating a customer characteristic rate using the insurance history of the customer and the traffic law violation rate; A discount premium rate calculating process of calculating a discount premium rate, which is a discount rate of a customer premium; And an evaluation point basic premium calculation process of calculating a basic premium at an evaluation point set for a customer by using the paid premium, a customer characteristic rate, and a discount premium rate.

The customer characteristic rate calculation process may include: selecting a customer insurance company which is an insurance company to which the customer subscribes at the present time; The process of entering a customer insurance career; Identifying customer grade rates granted by customer insurers based on their driving experience; Receiving a record of traffic violations from the time of joining the current insurance contract to the past year; Calculating a traffic law violation rate based on the entered traffic law violation details; And calculating a customer characteristic rate by applying the calculated traffic law violation rate to the customer grade rate.

The discount premium rate calculation process may receive a customer vehicle accident count from the time of joining the current insurance contract to the past three years, and calculate a discount premium rate based on the input customer vehicle accident count.

In the basic insurance premium calculation process, a basic premium may be calculated by applying a special rate that is individually applied to a customer in addition to the paid premium rate, a customer characteristic rate, and a discount premium rate, and a special rate that is applied by a vehicle insurance specialty. .

The vehicle expected insurance premium calculation process is based on the history of legal violations from the time of renewing the current insurance contract period to the past one year, and the renewal customer characteristic rate, and the past three years from the time of renewing the current insurance contract period. The renewal discount premium rate may be calculated based on the vehicle accident history up to, and the expected vehicle premium premium may be calculated based on the "anticipated vehicle premium premium = basic premium x renewal customer characteristic rate x renewal discount premium rate".

The estimated vehicle premium may be characterized by calculating the estimated vehicle premium based on "basic premium x renewal customer characteristic rate x renewal discount premium rate x renewal special rate x renewal special rate".

The vehicle expected insurance premium display process provides, at the request of the customer, at least one year's estimated vehicle premium from the time of renewing the insurance contract period and at least one cumulative estimated vehicle premium of two years or more from the renewal of the insurance contract period. can do.

When the cumulative vehicle estimated premium is provided, the vehicle estimated premium accumulated by year may be provided in a graph form.

Based on the number of fictitious vehicle accidents and legal violations, the estimated vehicle premiums accumulated by year based on the input virtual vehicle accidents and legal violations can be provided in the form of a graph.

The vehicle estimating insurance premium calculation process calculates an updated customer characteristic rate for each insurance company, calculates an estimated vehicle premium for each insurance company by using the calculated customer characteristic rate of each insurance company, and calculates an expected vehicle premium premium for each year in a graph form. In the case of providing, a graph of the estimated vehicle premiums accumulated by each insurance company may be displayed and provided.

According to the embodiment of the present invention, the vehicle insurance premium is predicted and provided in the next few years in consideration of the traffic accident details and the traffic law violations for each customer, so that the customer can accurately predict his vehicle insurance premium.

1 is a block diagram of a vehicle expected premium information providing system according to an embodiment of the present invention.
2 is an illustration of a customer terminal 110 in accordance with an embodiment of the present invention.
3 is a flowchart illustrating a method of providing vehicle expected premium information according to an embodiment of the present invention.
Figure 4 is a diagram showing the contract period, Figure 5 is a chart showing the customer rating rate by insurance company in accordance with an embodiment of the present invention.
Fig. 6 is a graph showing the traffic law violation rate when the liability disclosure contract is based;
7 is an illustration of a discount premium rate chart in accordance with an embodiment of the present invention.
8 shows a discount premium rating graph.
9 to 14 are diagrams showing a result table for predicting a vehicle estimated premium according to an embodiment of the present invention.
15 is a graph showing a cumulative estimated premium premium corresponding to the number of fictitious accidents or legal violations according to an embodiment of the present invention.
16 is an exemplary diagram of a graph of vehicle expected premiums accumulated by each insurer according to an embodiment of the present invention.

Advantages and features of the present invention, and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various forms, and is provided to fully inform the scope of the invention to those skilled in the art. The invention is defined only by the scope of the claims. In addition, in the following description of the present invention, if it is determined that related related technologies and the like may obscure the gist of the present invention, detailed description thereof will be omitted.

1 is a block diagram of a system for providing a vehicle premium insurance information according to an embodiment of the present invention, Figure 2 is an illustration of a customer terminal according to an embodiment of the present invention.

The present invention is currently being paid by the customer Lead insurance  Based on the information, all the conditions that can affect the premiums are the same as the existing contract, and the future premiums (e.g. four-year premiums) before and after the accident reflection are provided to the customer.

To this end, the vehicle anticipated premium information providing system of the present invention may include a wired / wireless communication network (not shown), a customer terminal 110, and a vehicle insurance premium prediction server 120 as shown in FIG. 1.

A wired / wireless communication network (not shown) is a communication network that provides wired or wireless communication between the customer terminal 110 and the vehicle insurance premium prediction server 120. When such a wireless communication network is implemented as a wireless communication network, data is transmitted using a wireless mobile communication network including a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR). You can communicate. In addition, when the wired / wireless communication network is implemented as a wired communication network, it may be implemented as a network communication network, and data communication may be performed according to an Internet protocol such as Transmission Control Protocol / Internet Protocol (TCP / IP).

The customer terminal 110 is a communication terminal connected to the vehicle insurance premium prediction server 120 through a network, and requests a prediction of the vehicle insurance premium of the customer. In particular, the vehicle insurance premium predicted in the present invention is an estimated vehicle insurance premium for the next several years in consideration of the traffic accident details of the customer and the violation of traffic law regulations.

The customer terminal 110 is described below using a smartphone as an example, but not only a smartphone, but also a desktop PC, a tablet PC, a slate PC, a notebook computer (notebook) computer) and the like. Of course, the terminal to which the present invention is applicable is not limited to the above-described type, and it is natural that the terminal may include all terminals capable of communicating with an external device.

As shown in FIG. 2, the customer terminal 110 includes a terminal communication unit 111, a terminal storage unit 112, a terminal display unit 113, a terminal input unit 114, and a terminal insurance unit 115 on which a vehicle insurance premium prediction app is installed. It may include.

The terminal communication unit 111 is a module that performs a function of communicating through a mobile communication network. When performing a mobile communication such as 3G or 4G, an RF transmitter (not shown) which upconverts and amplifies a frequency of a wirelessly transmitted signal. And an RF receiver (not shown) for low noise amplifying the received wireless signal and down converting the frequency.

The terminal storage unit 112 is a storage unit in which a vehicle insurance premium app execution file, screen graphic interface (GUI) information, and the like of the present invention are stored. Such a storage body may be provided inside the device as a module capable of inputting / outputting information such as a flash memory, a compact flash card, a secure digital card, or the like, or may be provided in a separate device. It may be.

The terminal display unit 113 displays a vehicle estimated insurance premium that is predicted in consideration of traffic accident details and traffic law violation details for each customer.

The terminal input unit 114 receives the traffic accident details and the traffic law violations during the evaluation target period from the customer. The terminal input unit 114 and the terminal display unit 113 may be implemented as a single type of touch screen panel. The touch screen panel is a display window that provides a touch screen screen capable of simultaneously performing input and display and is provided on the front of the terminal to display a work screen. The touch screen panel displays a graphical user interface (GUI) for communication.

The terminal controller 115 is implemented as a main control unit (MCU) for controlling each function module of the customer terminal 110, and is a module in which the vehicle premium prediction app of the present invention is installed. The vehicle insurance premium prediction app, considering the traffic accident history of the customer and the violation of the traffic laws and regulations to provide the estimated vehicle insurance premiums to be paid by the customer.

For reference, the customer terminal 110 implemented as a smart phone (smart phone), etc., hundreds of various apps (applications, applications) can be installed and added or deleted as desired by the user, the user desired application You can also make your own, and you can implement the interface that suits you through various applications. Therefore, you can download the vehicle insurance premium forecast app from Google Market, Apple Store, etc. and install it on your smartphone.

The vehicle insurance premium prediction server 120 has the same configuration as a conventional web server in hardware, and is implemented in various languages such as C, C ++, Java, Visual Basic, Visual C, and the like in software. Contains program modules that function. In addition, it can be implemented by using a web server program that is variously provided according to operating systems such as DOS, Windows, Linux, Unix, Macintosh, etc. in general server hardware. have.

In particular, the vehicle insurance premium prediction server 120 of the present invention in consideration of the traffic accident history and traffic law violation history for each customer and provides a vehicle insurance premium for the next several years. Therefore, each customer can know the expected vehicle premiums in real time based on their traffic accidents and traffic violations. However, each insurance company There may be errors in the premiums due to reasons such as rate policy changes.

Furthermore, in the case of providing the estimated vehicle premiums accumulated in each year for each insurance company in the form of a graph, a graph of the estimated vehicle premiums accumulated for each insurance company may be displayed and provided. Therefore, even if the same traffic accidents and traffic law violations, vehicle insurance premiums accumulated by each insurer is different, each customer can easily identify the insurance company that has the cheapest vehicle insurance premiums through the cumulative vehicle insurance premiums.

To this end, the vehicle insurance premium prediction server 120 calculates a basic insurance premium at the time of evaluation, which is assigned to a customer who has subscribed to the vehicle insurance, and has a history of vehicle accidents and legal violations up to the past three years from the time of renewing the current insurance contract period. Based on the details, the customer's vehicle premium is calculated based on the basic premium and the accident history. The calculated vehicle estimated premium is displayed. Hereinafter, the present invention will be described with reference to FIGS. 3 to 16.

3 is a flowchart illustrating a method of providing vehicle estimated insurance premium information according to an embodiment of the present invention, FIG. 4 is a diagram illustrating a contract period, and FIG. 5 is a diagram showing a customer rating rate for each insurance company according to an embodiment of the present invention. 6 is a graph showing the traffic law violation rate when the liability disclosure contract is based, and FIG. 7 is an illustration of a discount premium rate chart according to an embodiment of the present invention, and FIG. 8 is a discount premium class graph. 9 to 14 are diagrams showing a result table for estimating a vehicle expected premium according to an embodiment of the present invention, and FIG. 15 corresponds to a fictitious number of accidents or legal violations according to an embodiment of the present invention. Figure 16 is a diagram showing a cumulative expected premium premium, Figure 16 is an illustration of a graph of the vehicle estimated premium accumulated by each insurance company according to an embodiment of the present invention.

As shown in FIG. 3, the method for providing vehicle estimated premium information according to the present invention includes a basic premium calculation process (S310) for calculating a basic premium at an evaluation time point set for a customer who has subscribed to vehicle insurance, and a current insurance contract period. Expect customer's vehicle based on accident violation history input process (S320), which receives accident violation history including vehicle accident history and legal violation history from the time of renewal up to the past three years, and calculated basic premiums and accident violation history The vehicle estimated premium calculation process (S330) of calculating the premium and the vehicle estimated premium display process (S340) of displaying the estimated vehicle premium are included.

In detail, the basic insurance premium calculation process (S310) is a process of calculating the basic insurance premium at the evaluation time point set for the customer who has subscribed to the vehicle insurance. That is, by applying the premium paid, which is the vehicle premium paid by the customer during the current insurance contract period, the customer characteristic rate in consideration of the insurance history of the customer and the violation rate of traffic laws, and the discount premium rate in consideration of the number of vehicle accidents Calculate the premium.

As is known, the paid premium of the customer is calculated by "payment premium = basic premium x customer characteristic rate x discount premium rate" as shown in the following [Formula 1].

[Equation 1]

Payment premium = Basic premium × Customer characteristic rate × Discount rate

Therefore, the basic premium can be calculated when the paid premium, customer characteristic rate, and discount premium rate are known. If there is a special rate that is applied to the customer separately and a special rate that is applied by the vehicle insurance rider, in addition to the paid insurance premium, the customer characteristic rate, and the discount premium rate, the special rate and the special rate can be set as shown in Equation 2 below. In addition, the basic premium can be calculated.

[Equation 2]

Payment premium = Basic premium × Customer characteristic rate × Discount rate × Special rate × Special rate

For this purpose, the basic premium calculation process (S310) may include a payment premium input process (S311), a customer characteristic rate calculation process (S312), a discount premium rate calculation process (S313), and an evaluation point basic premium calculation process (S314). Can be.

The payment premium input process S311 is a process of receiving a payment premium, which is a vehicle premium paid by the customer during the current insurance contract period. For example, as shown in FIG. 4, when the vehicle insurance needs to be renewed on January 1, 2019, the payment premium paid in the current contract period from January 1, 2018 to December 31, 2018 Will be input from the customer. For example, if customer A has a payment premium of 700,000 won paid during the current contract period from January 1, 2018 to December 31, 2018, the customer may receive 700,000 won as the paid insurance premium of the customer.

For reference, before January 1, 2018, at the time when the previous contract is completed and renewed as the current contract, the evaluation period for the insurance premium evaluation of the current contract is 3 days before the renewal before January 1, 2018. It is a period up to a year ago. In addition, before the date of renewal of the new contract period to renew the current contract and before January 1, 2019, the evaluation target period for the premium evaluation of the new contract is transferred from the evaluation point before January 1, 2019. Is a period of up to three years ago.

The customer characteristic rate calculation process (S312) is a process of calculating the customer characteristic rate using the insurance career history of the customer and the traffic law violation rate.

In order to calculate the customer characteristic rate, the process of selecting the customer insurance company, which is the insurance company in which the customer is currently enrolled, the process of inputting the customer insurance experience, and the process of identifying the customer rating rate given by the customer insurance company according to the customer driving experience And a process for receiving a traffic law violation history from the time of joining the current insurance contract to the past year, calculating a traffic law violation rate based on the entered traffic law violation history, and the calculated traffic law violation rate Is applied to the customer rating rate to calculate the customer characteristic rate.

Here, the grading of the customer grade rate is to grasp the customer grade rate allocated differently for each customer insurer according to the customer driving experience. For this purpose, it can be determined using the customer rating rate DB by insurance company. For example, for an individual with 15 years of driving experience, a 58% customer rating rate is assigned to Samsung Fire as shown in FIG. 5, and a 59% customer rating rate is assigned to Hyundai Maritime. These insurance ratings DB by insurance companies are the values set by the insurance policy for each insurance company.

Therefore, if A customer with 15 years of driving experience joins Samsung Fire, the customer rating rate of Samsung Fire is calculated at 58% .If A customer with 15 years of driving experience joins Hyundai Marine, the customer rating rate of Hyundai Marine & Marine Insurance is 59%. It is calculated in%.

Further, calculating the traffic law violation rate based on the entered traffic law violation details is to calculate the traffic law violation rate determined according to the traffic law violation details of the customer. For example, if there is one drinking history for the past three years before January 1, 2018, which is an evaluation point for renewal of the current contract period shown in FIG. 4, the traffic law violation rate chart shown in FIG. Therefore, a traffic law violation rate of + 10% is calculated.

Therefore, calculating the customer characteristic rate by applying the traffic law violation rate to the customer class rate is calculated by "customer class rate x traffic law violation rate". For example, if customer A, who has 15 years of driving experience, joined Samsung Fire, the customer characteristics of customer A were 58% according to Samsung Fire's customer rating rate and + 110% of traffic violations caused by one customer's drinking history. The rate becomes "0.58 (customer grade rate) x 1.1 (traffic law violation rate) = 0.638".

In addition, calculating a discount premium rate, which is a discount rate of the customer premium, receives a customer vehicle accident count from the time of joining the current insurance contract up to the past three years, and calculates a discount premium rate based on the entered customer vehicle accident count. Can be calculated.

 For example, when the customer A has made one vehicle accident from the time of joining the current contract period to the past three years, 1.12 may be calculated by the premium rate chart shown in FIG. 7. For reference, as shown in FIG. 8, if there is no accident for three years before the renewal, the discount grade is accumulated and the premium is lowered.

Therefore, when the premiums paid, the customer characteristic rate, and the discount premium rate are obtained, the basic premiums at the time of evaluation made to the customer can be calculated using these paid premiums, the customer characteristic rate, and the discount premium rate.

For example, the insurance premium paid for the current contract period of customer A is 700,000 won, and the customer characteristic rate of customer A is calculated as "0.58 (customer class rate) × 1.1 (traffic law violation rate) = 0.638", and A When the discount premium rate of the customer is 1.12, the basic insurance premium of 979,623 won can be calculated by substituting "Payment premium premium = basic premium premium x customer characteristic rate x discount premium rate" of [Equation 1] above.

After all, the basic insurance premium for customer A is 987,636,000,000, but in the current contract period, only 700,000 won is paid by customer characteristic rate 0.638 and discount rate 1.12 for customer A.

Therefore, the company pays less than 279,623 won a year, and if it is maintained for three years without any other accidents or violations of the law, it will bring the insurance savings of 279,623 won × 3 years = 838,869 won, and customers can easily check this. .

However, if customer A incurs a three-point penalty in the middle of the current contract period, the vehicle insurance premium for the new contract period after January 1, 2019 will rise.

With respect to such updated vehicle insurance premiums, the present invention provides the customer with accurate and easy information.

On the other hand, the present invention, when the basic insurance premium calculation process (S310) is completed, the accident violation that receives the accident violation history including the vehicle accident history and the law violation history from the time of renewing the current insurance contract period up to the past three years It has a history input process (S320).

In addition, the vehicle has an estimated vehicle premium calculation process (S330) of calculating an estimated vehicle premium of the customer based on the calculated basic insurance premium and the details of the accident violation.

Here, the vehicle expected insurance premium calculation process (S330) calculates the renewed customer characteristic rate based on the legal violations from the time of renewing the current insurance contract period up to the past year. The rate of renewal discount rate is calculated based on the vehicle accident history from the time of renewing the current insurance contract period to the past three years. Subsequently, the vehicle estimated premium can be calculated based on "vehicle estimated premium = basic premium x renewed customer characteristic rate x renewed discount premium rate". If the special rate and the special rate are taken into consideration, the expected vehicle premium is calculated based on "basic premium x renewal customer characteristic rate x renewal discount rate x renewal special rate x renewal special rate".

Specifically, for example, assume that customer A, whose basic premium is calculated at 979,623 won, has a 3-point unlicensed accident.

Assuming a three-point accident (customer input), calculate whether the accident is a violation of the law or not (customer input) to calculate the renewed customer characteristic rate, and update discount rate including assumptions. 2 cases / 2 accidents within 3 years) can be calculated, and the estimated vehicle premium can be calculated.

Therefore, when evaluating vehicle insurance premiums in December 2018, the renewal customer characteristic rate is 69% (12Z insurance experience) x 20% (traffic law violation rate), and the renewal discount rate is 1.37 (two cases per year). 2 cases in 3 years), and the estimated vehicle premium is 1,111,245 won.

It is calculated as W979,623 × 69% (12Z insurance coverage) × 20% (Traffic law violation rate) × 1.37 (Renewal discount rate) = W1,111,245.

As a result, the vehicle A's estimated insurance premium is calculated as follows for each evaluation point as follows.

X2 (December 2018)

KRW 979,623 × 0.69 (12Z insurance coverage) × 20% (Traffic law violation rate) × 1.37 (Renewal discount rate: 2 cases per year / 2 cases per year) = 1,111,245

X3 (December 2019)

979,623 won × 0.69 (12Z insurance coverage) × 20% (Traffic law violation rate) × 1.18 (Renewal discount rate: 1 case per year / 2 cases per year) = 957,245 won

X4 year (December 2020)

979,623 won × 0.69 (12Z insurance experience) × 1.12 (renewable discount rate: 0 cases per year / 2 cases per year) = 757,245 won

Therefore, the sum of the three-year premiums from X2 to X4 is 2,825,427 won.

For reference, the sum of the three-year premium in the absence of an accident is as follows.

-X1 (current premium)

KRW 979,623 × 0.58 (Experience in insurance) × 110% (drinking) × 1.12 (Renewal discount rate: 1 case per 3 years / 1 case per year) = 700,000 won

X2 (December 2018)

KRW 979,623 × 0.58 (Experience in insurance) × 110% (drinking) × 0.97 (Renewal discount rate: 1 case per 3 years / 1 case per year) = 606,249 won

X3 (December 2019)

KRW 979,623 × 0.58 (Experience in insurance) × 0.97 (Renewal discount rate: 3 years 1 case / 1 year accident 0) = 551,135 won

X4 year (December 2020)

KRW 979,623 × 0.55 (Experienced insurance, 16Z) × 0.94 (Renewal discount rate: 3 years 0 cases / 1 year 0 cases) = 506,465 won

As a result, there is no accident for three years, and the rating is upgraded, and the total premium for three years is 1,663,849 won for X2 ~ 4 years, which is about 1,161,578 won compared to the case of an accident with three points of unlicensed.

For reference, FIGS. 9 to 14 are results tables for predicting the expected vehicle premium.

On the other hand, the vehicle expected insurance premium display process (S340), at the time of renewing the insurance contract period at the request of the customer provides a vehicle estimated premium for one year, and at least one cumulative vehicle estimated premium for two years or more from the renewal of the insurance contract period Do it. In the case of providing the cumulative vehicle estimated premium, it is preferable to provide the cumulative vehicle estimated premium in the form of a graph.

Furthermore, as shown in FIG. 15, a virtual vehicle accident number and legal violations are received, and a vehicle estimated insurance premium accumulated by year based on the input virtual vehicle accidents and legal violations is provided in a graph form. .

Therefore, the customer will try to drive safely by easily checking the increase in the expected premium in the event of a vehicle accident or a violation of the law.

In addition, the vehicle estimated insurance premium calculation process (S330) calculates an updated customer characteristic rate for each insurance company, calculates an estimated vehicle premium for each insurance company using the calculated customer characteristic rate for each insurance company, and accumulates vehicle estimated premiums for each year. In the case of providing a graph in the form of a graph, a graph of the estimated vehicle premiums accumulated by each insurance company is displayed and provided.

As shown in FIG. 5, the customer grade rate is determined differently for each insurance company. Therefore, the estimated vehicle premium to which the customer grade rate is applied is calculated differently for each insurance company.

Therefore, as shown in FIG. 16, by providing the vehicle estimated premiums accumulated in each year in the form of a graph, the customer can select the insurance company having the lowest cumulative premium.

On the other hand, Figure 17 shows an example screen in the order in which the vehicle estimated insurance premium information of the present invention is provided on the customer terminal. To  As shown in FIG. 22, through each process, the customer can easily know the premium difference before and after the accident reflection, as shown in FIG.

The embodiments in the description of the present invention described above are presented by selecting the most preferred examples to help those skilled in the art among various possible examples, and the technical spirit of the present invention is not necessarily limited or limited only by the embodiments. However, various changes, modifications, and other equivalent embodiments may be made without departing from the technical spirit of the present invention.

110: customer terminal
120: vehicle premium forecast server

Claims (12)

In the vehicle insurance premium prediction server to estimate the vehicle insurance premium vehicle information providing method,
A basic premium calculation process of calculating a basic premium at the time of evaluation assigned to a vehicle insured customer;
A process of inputting an accident violation history that receives an accident violation history including vehicle accident history and legal violation history from the time of renewing the current insurance contract period to the past three years;
A vehicle estimating premium calculation process of calculating a vehicle's estimated insurance premium based on the calculated basic insurance premium and a history of accident violation; And
A vehicle estimating premium display process of displaying the vehicle estimated premium;
Vehicle expected premium information providing method comprising a.
The method of claim 1, wherein the basic premium calculation process,
The basic premium is applied by applying the premium paid, which is the vehicle premium paid by the customer during the current insurance contract, the customer characteristic rate in consideration of the insurance history of the customer and the violation rate of traffic laws, and the discount premium rate in consideration of the number of vehicle accidents. Method for providing the estimated vehicle premium information, characterized in that calculated.
The method of claim 2, wherein the basic premium calculation process,
A payment premium input process of inputting a payment premium, which is a vehicle premium paid by a customer, during the current insurance contract period;
A customer characteristic rate calculation process of calculating a customer characteristic rate using the insurance history of the customer and the traffic law violation rate;
A discount premium rate calculating process of calculating a discount premium rate, which is a discount rate of a customer premium; And
An evaluation point basic premium calculation process of calculating a basic premium at an evaluation point set for a customer by using the paid premium, a customer characteristic rate, and a discount premium rate;
Vehicle expected premium information providing method comprising a.
The method of claim 3, wherein the customer characteristic rate calculation process,
A process in which a customer is selected as a customer insurer who is currently insured;
The process of entering a customer insurance career;
Identifying customer grade rates granted by customer insurers based on their driving experience;
Receiving a record of traffic violations from the time of joining the current insurance contract to the past year;
Calculating a traffic law violation rate based on the entered traffic law violation details; And
Calculating a customer characteristic rate by applying the calculated traffic law violation rate to the customer class rate;
Vehicle expected premium information providing method comprising a.
The method according to claim 4, wherein the discount rate calculation process,
A method of providing vehicle estimated insurance premium information, which receives the number of customer vehicle accidents from the time of joining the current insurance contract up to the past three years and calculates a discount premium rate based on the number of customer vehicle accidents entered.
The method of claim 2, wherein the basic premium calculation process,
Providing the estimated vehicle premium information, wherein the basic premium is calculated by applying a special rate that is individually applied to the customer in addition to the payment premium, the customer characteristic rate, and the discount premium rate together with the special rate that is applied by the vehicle insurance policy. Way.
The method of claim 1, wherein the vehicle expected insurance premium calculation process,
Calculate the renewal customer characteristic rate based on the history of legal violations from the time of renewing the current insurance contract period up to one year,
Calculate the renewal discount rate based on the vehicle accident history from the time of renewing the current insurance contract period to the past three years,
A method of providing vehicle estimated premium information, wherein the vehicle estimated premium is calculated according to "vehicle estimated premium = basic premium x renewed customer characteristic rate x renewal discount rate."
The vehicle predicted premium according to claim 7,
A vehicle estimated premium information providing method comprising calculating an estimated vehicle premium based on "basic premium rate x renewal customer characteristic rate x renewal discount rate x renewal special rate x renewal special rate".
The method of claim 7, wherein the vehicle expected insurance premium display process,
A method for providing vehicle estimated premium information, wherein the vehicle provides at least one year's estimated vehicle premium from the time of renewing the insurance contract and at least two years of cumulative estimated vehicle premium from the renewal of the insurance contract at the request of the customer.
The method according to claim 9,
When the cumulative vehicle estimated premiums are provided, vehicle estimated premium information providing method for providing a cumulative estimated vehicle premiums for each year in the form of a graph.
The method according to claim 10,
A method of providing vehicle estimated premium information, which receives a virtual vehicle accident and a number of legal violations, and provides a cumulative vehicle estimated premium in the form of a graph based on the input virtual vehicle accidents and legal violations.
The method according to claim 10,
The vehicle expected insurance premium calculation process calculates an updated customer characteristic rate for each insurance company, and calculates an estimated vehicle premium for each insurance company using the calculated customer characteristic rate of each insurance company,
In the case of providing the estimated vehicle premiums accumulated in each year in the form of a graph, the vehicle estimated premium information providing method characterized by displaying the graph of the estimated vehicle premiums accumulated by each insurance company.

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