KR20210023688A - Vehicle insurance method and system of safety certification premium for driver - Google Patents

Abstract

The present invention relates to a method for a vehicle insurance including a driver-safety certification special contract and a system thereof. According to the present invention, the system comprises: a policyholder terminal transmitting driver and vehicle identification information, information representing that a safe-driving certification sticker, which indicates that specific safe driving conditions have been certified for an insured driver by a predetermined insurance company, are attached on the exterior surface of a policyholder′s vehicle, and a special contract confirmation information including mileage information of the vehicle through a communication network during a predetermined period of time when a predetermined insurance period is started and finished; and an insurance company server determining an attachment state of the safe-driving certification sticker and the vehicle mileage, on the basis of the special contract confirmation information received from the policyholder terminal, checking an accumulated insurance subscription period and accident history of a corresponding driver stored in an authentication server, and applying a discount rate to an insurance premium of the policyholder on the basis of the mileage during the checked insurance period, the accumulated insurance subscription period of the insurance company, and the accident history during the insurance period. Accordingly, a driver attaches a safe-driving certification sticker issued by an insurance company to a vehicle when signing up for insurance, thereby enabling a third party to have confidence in the driver. The driver receives more premium discount benefits as safe driving is performed, that is, accident-free mileage is increased. Moreover, the insurance company provides larger premium discount benefits to a trusted driver, thereby acquiring an effect of attracting high-quality customers.

Description

Vehicle insurance method and system including driver safety certification rider {VEHICLE INSURANCE METHOD AND SYSTEM OF SAFETY CERTIFICATION PREMIUM FOR DRIVER}

The present invention relates to a vehicle insurance method and system, for example, for an insurance subscriber having a safe driving certification sticker attached to the outer surface of a vehicle indicating that a specific safe driving condition has been authenticated by a specific insurance company, for a predetermined insurance period, for example, mileage, By applying a discount on insurance premiums based on safe driving conditions such as subscription period and accident history, the driver can attach a sticker indicating the safe driving experience certified by the insurance company on the vehicle to give a sense of trust to a third party, and the insurance company can drive. The longer the distance, the longer the subscription period, and the smaller the accident history, the more a vehicle insurance method and system including a new driver safety certification rider that enables a greater insurance discount to be provided to the corresponding driver.

In general, drivers who operate vehicles must purchase insurance. Insurance companies apply premiums differentially in consideration of the average accident rate by gender and age group of drivers, and accident history by individual. In recent years, according to the development of communication networks and electronic devices, the vehicle license plate (for vehicle identification) and instrument panel (for mileage identification) mounted on the vehicle by a method that is automatically transmitted to the server by a computing device installed in the vehicle or by a smartphone by the driver. For example) or a black box, etc., by taking an image that can check predetermined information, and transmitting it to a remote insurance company server through a communication network such as wired or wireless Internet, to check whether a safety device such as a mileage or a black box is installed. It is confirmed, and various insurance premium discount benefits are given accordingly.

However, in the case of a discount benefit based on a mileage among the conventional premium discount benefits, there is a characteristic that the benefit is larger as the mileage is shorter. Therefore, in the case of a commercial vehicle such as a taxi or a parcel delivery vehicle, since business is essentially performed while driving the vehicle, the mileage is generally very long, and for this reason, it is not possible to think of an insurance premium discount benefit according to the mileage.

Likewise, conventional premium discount benefits are mainly applied based on the amount of insurance premiums spent, such as the average accident rate according to gender and age group, so there is no benefit for loyal customers with long insurance premium subscription periods. For this reason, when renewing insurance, drivers tend to move to insurance companies in search of other cheaper insurance. As a result, there was a problem that the insurers had to attract new insurers to compensate for the profits caused by the churn of existing customers, and to this end, they were spending a lot of marketing expenses, which further worsened their profitability.

Meanwhile, when calculating insurance premiums, there is a limitation that the driver's accident history is used only as a condition for reducing insurance premiums. That is, when insurance premiums are paid by an insurance company due to a vehicle accident, the insurance premium is increased at a certain rate for a predetermined period in proportion to the amount of insurance premiums paid to the corresponding driver. However, in this case, the accident rate lower than the average accident rate, that is, in the case of a driver who was driving safely without an accident, was not given a special discount on insurance premiums other than the advantage that "insurance premium does not increase".

Registered Patent No. 10-1473957 (2014.12.11) Registered Patent No. 10-1862945 (2018.05.24)

In particular, in the case of a driver of a commercial vehicle, compared to a driver of a non-business vehicle, the inventor of the present invention is conceived that it is very important in relation to business that it is very important to provide an employer, a passenger or a passenger with a sense of confidence that they are driving safely. It was conceived that if there is a system that can connect the confidence of such a safe driver to each other, it will be possible to provide a vehicle insurance system that can greatly appeal to drivers of commercial vehicles.

In addition, the inventors of the present invention have pointed out that in the case of commercial vehicles such as taxis or call vans (for long distances such as airports and regions), users generally make reservations and use online using the Internet or a dedicated app. Note that there is a problem that it is difficult for users to distinguish between a reliable driver of a vehicle, and if the driver of a commercial vehicle that the user intends to use online can have a sense of confidence in safe driving, the user and the driver of the commercial vehicle It was conceived that it could benefit everyone.

From the above point of view, the insurance company checks the safe driving record of the driver who is a vehicle insurance subscriber, such as the mileage, the insurance period, and the accident history, so that the driver can have the confidence to drive safely. If you issue a safe driving certification sticker that can be attached to the vehicle so that you can know and attach it to the vehicle, on the other hand, the driver attaches a sticker indicating safe driving experience certified by the insurance company on the vehicle. It can be seen and, accordingly, not only can give confidence to the employer, passengers, or passengers, but also can enjoy insurance premium discounts.On the other hand, the insurance company is exposed to the insurance company logo on the safe driving certification sticker, so the longer the mileage, the longer the subscription. The longer the period, the less the accident history, the longer the mileage, the less accident history, and the longer the insurance subscription period, as well as the longer the mileage, less accident history, and the longer the mileage, as well as the longer the mileage, less accident history, as well as the longer the mileage, less accident history, as well as the longer the mileage, less accident history, as well as the longer the mileage, less accident history, as well as the longer the mileage, the lower the accident history, as well as the longer the mileage, the less the accident history, as well as the longer the mileage, the lower the accident history, as well as the advertisement effect that can compensate for the provision of the greater insurance discount to the corresponding driver to compensate for the provision of the greater insurance discount. We realized that by attracting highly loyal insurers, a new insurance method could be provided that would provide satisfactory benefits to both the insurer and the driver.

The present invention proposed on the basis of this realization, for example, for insurance subscribers with a safety driving certification sticker on the exterior of the vehicle indicating that a specific safe driving condition has been certified by a specific insurance company, for a predetermined insurance period, for example, mileage, subscription period. By applying a discount on insurance premiums based on safe driving conditions such as accident history, etc., on the one hand, drivers can attach a sticker indicating safe driving experience certified by the insurance company on the vehicle to give a sense of trust to a third party as well as insurance discount. On the other hand, insurance companies can offer greater insurance discounts to reliable drivers, as well as a new driver safety certification special agreement that allows them to obtain marketing effects by means of a safe driving certification sticker attached to the vehicle. It is intended to include a vehicle insurance method and system.

This object is achieved by a vehicle insurance method and system comprising a driver safety certification rider provided in accordance with the present invention.

In the vehicle insurance system including the driver safety certification special agreement according to an aspect of the present invention, during a predetermined time period at the start and end of a predetermined insurance subscription period, the driver and vehicle identification information and the subscriber driver by a specific insurance company on the outer surface of the subscriber vehicle A subscriber terminal for transmitting, through a communication network, information indicating that a safety driving certification sticker indicating that a specific safe driving condition has been authenticated, and special agreement confirmation information including the driving distance information of the vehicle; And, based on the special agreement confirmation information received from the subscriber terminal, determine the attachment state of the safe driving certification sticker and the vehicle mileage, and check the cumulative insurance subscription period and accident history of the driver stored in the authentication server. , An insurance company server that applies an insurance discount rate to the insurance premium of the subscriber based on the verified mileage during the corresponding insurance period, the cumulative insurance subscription period of the insurance company, and the accident history during the insurance period.

The safe driving certification sticker is preferably an adhesive sticker that can be attached to the outside or inside the vehicle at a predetermined position on the front, rear or side of the vehicle.

In this case, the safe driving certification sticker further includes an electronic device including a processor, a wireless transmission/reception module, and a GPS location tracking module, and the processor determines the driving distance for a predetermined period based on the location information of the GPS location tracking device. After calculation, it may be configured to transmit to the outside through the wireless transmission/reception module if necessary.

In an embodiment of the present invention, it is preferable that the safe driving authentication sticker further includes, in addition to the off-line form attached to the vehicle, a digital information form that is included in the online information of the vehicle and the driver and disclosed.

In addition, in the vehicle insurance method including the driver safety certification special agreement according to another aspect of the present invention, the subscriber terminal identifies the driver and the vehicle, and the safety driving certification sticker is attached to the vehicle during a predetermined period of time at the start of the subscription period of the predetermined insurance. Transmitting to an insurance company server the special contract start information including information indicating that the vehicle has been performed and mileage data of the vehicle; At the end of the subscription period of a predetermined insurance, for a predetermined period of time, the subscriber terminal includes the identification information of the driver and the vehicle, an image photographed of the safety driving certification sticker attached to the vehicle, and the mileage data of the vehicle. Transmitting the information to the insurance company server; And, based on the special agreement start information and the special agreement end information received from the subscriber terminal in the insurance company server, determine whether a safe driving authentication sticker attached to the vehicle is attached, and determine the vehicle mileage, and stored in the authentication server. After checking the driver's cumulative insurance coverage period and accident history, the insurance discount rate is applied to the insurance premium of the subscriber based on the mileage during the confirmed insurance period, the cumulative insurance coverage period of the insurance company, and the accident history during the insurance period. And calculating the insurance discount amount, and transmitting the insurance discount amount refund information to the subscriber terminal.

The present invention provides an insurance discount benefit to an insurance subscriber, for example, a safety driving certification sticker attached to the exterior surface of a vehicle indicating that a specific safe driving condition has been certified by a specific insurance company. Here, the safe driving certification sticker is a sticker for attaching a vehicle issued by the insurance company to the subscriber driver, and it means that the insurance premium is discounted and applied based on safe driving conditions such as, for example, mileage, subscription period, and accident history during a predetermined insurance period. Show.

The safe driving authentication sticker according to the present invention has the effect of authenticating the driver in question by an insurance company. In other words, the driver insured can appeal to a third party that "I am a driver certified as a safe driver by an insurance company" by attaching the issued safe driving certification sticker to the vehicle, and the third party will receive the certification. You can have a sense of confidence that you have a safe driving experience. In addition, the more safe driving the driver, that is, the longer the accident-free mileage, the more insurance discounts can be enjoyed. On the other hand, insurance companies can benefit from attracting excellent customers by offering larger insurance discounts to trusted drivers. Not only that, but also insurance companies can appeal to drivers that it is the place that issued a safe driving certification sticker, which has the advantage of being able to gain marketing effects to potential customers.

In particular, in the case of a driver of a commercial vehicle, it is very important in relation to business to provide a sense of confidence that a driver of a commercial vehicle is driving safely to a third party such as an employer, a passenger or a passenger, compared to a driver of a non-business vehicle. In this case, the safe driving certification sticker according to the present invention may provide a driver of a commercial vehicle with an insurance premium discount benefit and a sense of trust certified by an insurance company, thereby contributing to sales.

In recent years, for example, in order to use a commercial vehicle such as a taxi or a call van (for long distances such as airports and regions), passengers, that is, a person who intends to use a commercial vehicle, generally uses online through the Internet or a dedicated app. However, in such an online environment, there is a problem that it is difficult for users to distinguish between reliable vehicle drivers. If the safe driving authentication sticker information according to the present invention is posted as driver information of each commercial vehicle online, the user can have a sense of confidence in safe driving for the driver of the corresponding commercial vehicle, thereby helping the driver's sales. to provide.

On the other hand, since the insurance company's logo is exposed on the safe driving certification sticker, the longer the mileage, the longer the subscription period, and the smaller the accident history, the higher the insurance discount is provided to the driver. In addition to being effective, it can attract loyal insured persons with a long mileage, a small accident history, and a long insurance period.

Therefore, according to the present invention, a new insurance method can be provided that can satisfy both the insurance company and the exemplary driver who was not able to receive the premium discount benefit in the past.

1 is a schematic diagram for explaining an insurance system provided according to an embodiment of the present invention.
2 is a flow chart for explaining a process of an insurance method provided according to an embodiment of the present invention.

1 is a schematic diagram for explaining an insurance system provided according to an embodiment of the present invention.

Referring to FIG. 1, an overall configuration of a vehicle insurance system including a driver safety certification special agreement according to an aspect of the present invention is shown. As shown, in the insurance system of the present invention, the subscriber terminal 13 and the insurance company server 15 may be connected to each other through a communication network such as a wired or wireless Internet capable of transmitting and receiving data in both directions. The subscriber terminal 13 may include a computer device such as a smart phone, a laptop computer, or a desktop. On the other hand, if a high-performance computing device is installed inside the vehicle, such as an electric vehicle or an autonomous vehicle that has begun to spread in recent years, the subscriber terminal is connected to the driver's smartphone or is equipped with a vehicle that can independently communicate with the insurance company server. It may also include a computing device.

The hardware configuration of such an insurance system may be similar to the hardware configuration of a conventional insurance system that applies an insurance premium discount according to the installation of a black box, or an insurance system that provides a greater insurance premium discount benefit as the mileage of the vehicle is shorter.

The unique feature of the present invention, which is different from the conventional premium discount benefits, is that the insurance subscriber attaches a safe driving certification sticker to his/her vehicle, that is, the vehicle insured, and the longer the mileage of the vehicle, the longer the insurance subscription period. The longer and/or the shorter the accident history is, the greater the insurance benefit is provided.

After attaching the safe driving certification sticker A to the vehicle 11, the insurance subscriber may input a photographed image to the subscriber terminal 13 by photographing the exterior of the vehicle and the dashboard with a smartphone. The subscriber terminal 13 accesses the inputted photographed image, for example, to the website of the insurance company server 15, which may be configured in a web server format, as the first special agreement confirmation information provided by the insurance company server 15 when signing up for insurance. send.

The special agreement confirmation information transmitted from the subscriber terminal 13 to the insurance company server 15 must be transmitted at least twice. That is, at least the first special agreement confirmation information is transmitted during a predetermined time period at the start of a predetermined insurance subscription period, and the second special agreement confirmation information is transmitted during a predetermined time period at the end of the insurance subscription period. Here, the special contract confirmation information is driver identification information (e.g., name and resident registration number), vehicle identification information (e.g., an image of a license plate), and a safe driving certification sticker (A) attached to the insurance subscriber vehicle 11 is photographed. It may include one image and information indicating the driving distance of the vehicle 11 (eg, an image of the instrument panel).

In another embodiment, the special agreement confirmation information transmitted from the subscriber terminal 13 to the insurance company server 15 may be additionally transmitted during the insurance subscription period. For example, when the insurance subscription period is one year, it may be configured to transmit special agreement confirmation information not only at the start and end of the insurance subscription period, but also in the middle of the insurance subscription period.

On the other hand, the insurance company server 15, based on the two times special agreement confirmation information received from the subscriber terminal 13, the presence and location of the safe driving certification sticker attached to the vehicle 11, and the vehicle mileage during the insurance subscription period. Can be determined. In addition, the insurance company server 15 can check by inquiring the cumulative insurance subscription period, accident history, etc. previously stored in the authentication server 17 using driver and vehicle identification information. The authentication server 17 may be a database server operated by the same operator as the insurance company server 15, or may have a broad meaning including a data server operated by a third public institution such as a police agency or a court.

As a result, the insurance company server 15 can apply a pre-differentially determined insurance discount rate to the subscriber's insurance premium according to the determined safety driving certification sticker attachment position, vehicle mileage, cumulative insurance subscription period, and accident history. .

The present invention is not only an idea to provide insurance premium benefits depending on how safe a vehicle driver is driving, but also an idea to maximize the advertising effect of insurance companies to increase subscribers by retaining high-loyal subscribers and being exposed by safe driving certification stickers. to be. Therefore, the insurance discount rate may be differentially applied depending on the number of locations and/or the number of locations attached to the vehicle, as well as the mileage and accident history, the cumulative insurance subscription period and the safe driving certification sticker (A). For example, since it is thought that the rear of the vehicle is more exposed to other vehicles than the front of the vehicle, the case of attaching it to the rear of the vehicle can set a higher discount than the front or side of the vehicle.

Table 1 below shows an example in which a discount rate is applied differentially according to a location where a sticker for safe driving certification is attached and a number of locations to be attached according to an embodiment of the present invention.

Location of Safe Driving Certification Sticker Basic discount rate Safe Driving Certification Sticker
Additional discount rate by attachment location Final discount rate back side 5% 50% 2.5% Front 30% 1.5% Driver's side 10% 0.5% Passenger side 10% 0.5%

In this example, the final discount rate for each location where the safety driving certification sticker is attached is calculated by multiplying the basic discount rate by the additional discount rate for each location where the safety driving certification sticker is attached. For example, when a safe driving certification sticker is attached to the rear and front, the premium discount for a predetermined mileage is 4% of the paid insurance premium (2.5% discount rate when attached on the rear side + 1.5% discount rate when attached on the front side). If it is attached to both the front and rear sides as well as the left and rear sides, a discount rate of 2.5% when attached to the rear + a discount rate of 1.5% when attached to the front + a discount rate of 0.5% when attached to the driver's seat side + a discount rate of 0.5% when attached to the side of the passenger seat = 5% in total. In this case, the subscriber will receive a refund of 5% of the premium paid at the time of insurance subscription as a special discount amount. On the other hand, in Table 2 below, when a safe driving certification sticker is attached according to an embodiment of the present invention, the discount rate is differentially determined according to the vehicle mileage during the insurance subscription period. An example of application is shown.

3,000 km 5,000Km 7,000 km 10,000 km 15,000Km 20,000 km 30,000 km Additional discount rate One% 2% 3% 5% 7% 10% 15%

When Table 1 and Table 2 are considered together, for example, if a subscriber attaches safety driving certification stickers on all four predetermined locations on the exterior of the vehicle and drives 20,000 km during the insurance subscription period, the final discount rate is the safety driving certification sticker. 5% discount rate on four sides + 10% additional discount rate for each mileage = 15% discount in total. In this case, the subscriber will receive a refund of 15% of the premium paid at the time of insurance subscription as a special discount. As another example, if a subscriber attaches a safe driving certification sticker only to the front and rear of the vehicle's exterior and drives 10,000 km during the insurance period, the final discount rate is 4% of the discount rate on the front and rear of the safe driving certification sticker + driving. Additional discount rate by distance 5% = 9% discount in total. Therefore, in this case, the subscriber will receive a refund of 9% of the premium paid at the time of insurance subscription as a special discount.

An example of applying the sticker attachment position and mileage is described above, but similarly can be applied to the cumulative insurance subscription period and accident history.

According to the present invention, the safe driving certification sticker A is in the form of an adhesive sticker that can be attached to a predetermined position on the front, rear or side of the vehicle 11, but is not necessarily limited to this example. For example, the safe driving certification sticker may further include an electronic device including a processor, a wireless transmission/reception module, and a GPS location tracking module, although not shown. The processor may calculate the driving distance based on the location information of the GPS location tracking device. When necessary, for example, upon receiving a trigger signal from the subscriber terminal, the processor may be configured to transmit the calculated accumulated mileage to the outside (eg, the subscriber terminal or the insurance company server) through the wireless transmission/reception module.

According to an embodiment, the content displayed by the safe driving certification sticker (A) includes text or logo indicating the insurance company that provides the insurance associated with the sticker, and additionally indicates the level of the safe driving certification linked to the premium discount rate. It can also include. For example, the longer the mileage, the longer the insurance subscription period, and the shorter the accident history, the greater the premium discount benefit. In this case, the safety driving certification level is at a higher level (e.g., 1st grade out of 1 to 5) It can be marked as

In an embodiment of the present invention, it is preferable that the safe driving authentication sticker further includes, in addition to the off-line form attached to the vehicle, a digital information form that is included in the online information of the vehicle and the driver and disclosed.

In recent years, in order to use a commercial vehicle such as a taxi or a call van (for long distances such as airports and regions), passengers, that is, a person who wants to use a commercial vehicle, generally use it online through the Internet or a dedicated app. If the safe driving authentication sticker information according to the present invention is added to the vehicle and driver information and posted in the form of digital information that can be searched online as described above, the user is more secure than a taxi or call van that does not have the safe driving authentication sticker information. A taxi or call van with driver certification sticker information and/or higher grade safety driving certification sticker information may have a sense of confidence that they will drive more safely.

2 is a flowchart illustrating a process of an insurance method provided according to an embodiment of the present invention.

Referring to FIG. 2, a process of a vehicle insurance method 200 including a driver safety certification special agreement according to another aspect of the present invention is illustrated as a whole. As shown, the insurance method of the present invention may be implemented through the system illustrated in FIG. 1, and may be implemented in a manner in which a subscriber accesses and interacts with the insurance company server 15 through the subscriber terminal 13. .

In the present invention, an insurance subscriber applies for insurance subscription including a safe driving special agreement (201). In this case, in addition to the identification information of the subscriber and the vehicle, the subscriber is the first special agreement confirmation information, such as the mileage (e.g., an image of the instrument panel), the insurance subscription period (or the insurance company inquires from the authentication server using the subscriber identification information), and accident. It is possible to provide information that can indicate a history (or an insurance company inquires from an authentication server using subscriber identification information).

Thereafter, the insurer may issue a safe driving certification sticker (A) corresponding to the insurance discount rate of the grade provided by the insured to the insured by mail or through an insurance promotion agent (203).

Here, the safe driving certification sticker A is not particularly limited, but may be an adhesive sticker having an adhesive surface on one side and an advertisement content printed on the other side. As another example, the safe driving certification sticker A may further include an electronic device. The electronic device may be implemented in the form of a small microchip including a processor, a wireless transmission/reception module, and a GPS location tracking module. The processor may be configured to calculate the driving distance for a predetermined period based on the location information of the GPS location tracking device and then transmit it to the outside through the wireless transmission/reception module if necessary.

At the start of the insurance subscription period, i.e., within 7 days from the start of the insurance subscription period, the insured is provided with authentication sticker attachment confirmation information including an image of the safety driving certification sticker (A) attached from the outside of the vehicle. It can be transmitted (205) to the insurance company server. In addition, it is possible to pay a predetermined insurance premium and transmit the payment information to the insurance company server.

The insurance company server stores the received special contract confirmation information together with the insurance subscriber information so that it can be used at the end of the insurance subscription period.

When the insurance subscription procedure is completed in this way, the subscriber can freely operate the vehicle for a predetermined insurance subscription period.

Thereafter, when the end date of the insurance subscription period approaches, the insurance company may inform the subscriber that the insurance subscription period is scheduled to end through a means such as text, e-mail, or phone call and to transmit the special agreement confirmation information once more (211).

Then, the subscriber is the second when insurance is terminated, including, for example, an image of the safety driving certification sticker (A) attached outside the vehicle within 30 days before and after the end of the insurance subscription period and an image of the dashboard indicating the mileage of the vehicle. The special agreement confirmation information is transmitted to the insurance company server (213).

Then, the insurance company server compares the received second special agreement confirmation information with the first special agreement confirmation information received at the time of insurance subscription to check the location and mileage of the safety driving certification sticker, and the cumulative insurance subscription period and accident history, etc., retrieved from the authentication server. The insurance discount rate can be calculated based on the additional information of.

When the insurance discount rate is calculated, the insurance company server may refund the insurance discount amount to a subscriber's account or the like, and transmit this refund information to the subscriber terminal 13 (215).

In the above, preferred embodiments of the present invention have been described, but the present invention is not limited to the above-described embodiments and may be modified or modified in various forms, and the present invention disclosed in the claims to be described later. It goes without saying that if it includes the technical idea of the present invention, it belongs to the scope of the present invention.

11: vehicle, A: safe driving certification sticker, 13: subscriber terminal, 15: insurance company server, 17: authentication server

Claims (5)

As a vehicle insurance system including a driver safety certification special agreement,
At the beginning and end of the prescribed insurance subscription period, it is noted that during the prescribed period of time, a safety driving certification sticker indicating that certain safe driving conditions have been certified for the subscriber driver by a specific insurance company is attached to the driver and vehicle identification information and the outer surface of the subscriber vehicle. A subscriber terminal that transmits special agreement confirmation information including information indicated and driving distance information of the vehicle through a communication network; And
Based on the special agreement confirmation information received from the subscriber terminal, after determining the attachment state of the safe driving authentication sticker and the vehicle mileage, and checking the cumulative insurance subscription period and accident history of the driver stored in the authentication server, An insurance company server that applies an insurance discount rate to the insurance premium of the subscriber based on the mileage during the confirmed insurance period, the cumulative insurance subscription period of the insurance company, and the accident history during the insurance period.
Vehicle insurance system including a driver safety certification rider, characterized in that it comprises.
The method of claim 1,
The vehicle insurance system including a driver safety certification special agreement, wherein the safe driving certification sticker includes an adhesive sticker that can be attached to the outside or inside the vehicle at a predetermined position on the front, rear or side of the vehicle.
The method of claim 2,
The safe driving certification sticker further includes an electronic device including a processor, a wireless transmission/reception module, and a GPS location tracking module,
The electronic device is configured such that the processor calculates a driving distance for a predetermined period based on the location information of the GPS location tracking device and transmits it to the outside through the wireless transmission/reception module if necessary.
Vehicle insurance system comprising a driver safety certification rider, characterized in that.
The method of claim 1,
The vehicle insurance system including a driver safety certification special agreement, wherein the safe driving certification sticker further includes a digital information form that is included in the online information of the vehicle and the driver and disclosed.
As a vehicle insurance method including a driver safety certification rider,
First special agreement confirmation information including identification information of the driver and vehicle by the subscriber terminal, information indicating that a safe driving certification sticker is attached to the vehicle, and mileage data of the vehicle for a predetermined period of time at the start of the subscription period of a predetermined insurance Transmitting to the insurance company server;
At the end of the subscription period of a predetermined insurance, for a predetermined period of time, the subscriber terminal includes identification information of the driver and the vehicle, an image photographing that the safety driving certification sticker is attached to the vehicle, and the mileage data of the vehicle. Transmitting the special agreement confirmation information to the insurance company server; And
Based on the first and second special agreement confirmation information received from the subscriber terminal from the insurance company server, it determines the presence or absence of a safety driving authentication sticker attached to the vehicle and the vehicle mileage, and is also stored in the authentication server. After checking the driver's cumulative insurance coverage period and accident history, the insurance discount rate is applied to the insurance premium of the subscriber based on the mileage during the confirmed insurance period, the cumulative insurance coverage period of the insurance company, and the accident history during the insurance period. And calculating the insurance discount amount and transmitting the insurance discount refund information to the subscriber terminal.
Vehicle insurance method comprising a driver safety certification rider, characterized in that it comprises.

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