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Contributo do internet of things para a sofisticação do cálculo do prémio de seguro automóvel em Portugal
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Orientador(es)
Resumo(s)
O seguro automóvel em Portugal acarreta enormes inquietações no setor segurador e na sociedade, devido ao seu impacto económico e influência no bem-estar social. A metodologia utilizada atualmente no cálculo do seu prémio de seguro em Portugal encontra-se desajustada face às necessidades dos automobilistas e das seguradoras. Esta metodologia recorre somente a variáveis pouco dinâmicas que revelam fraca precisão na avaliação dos riscos suportados, provocando não só uma ineficácia operacional nos seus processos de negócio como também desigualdades sociais. O principal objetivo deste estudo visa contribuir para a otimização desse cálculo, recorrendo às capacidades técnicas oferecidas pelo Internet of Things (IoT). Neste contexto, realizou-se um enquadramento da situação atual do mercado segurador, foram identificados os seus intervenientes e foram analisados e comparados diferentes métodos de cálculo do prémio de seguro automóvel em Portugal, União Europeia e Estados Unidos. Os métodos baseados na tecnologia IoT permitem estimar com maior exatidão o risco associado ao comportamento do condutor e do veículo em tempo real. De acordo com estes objetivos e segundo a legislação em vigor referente à proteção dos dados pessoais, foi desenhada uma arquitetura de um sistema de informação que incentive a gestão eficaz do risco automóvel coberto pelas seguradoras.
The auto insurance premiums in Portugal are a concern to insurance sector and society, due to its economic impact and influence in social well-being. Currently, the methodology used to estimate the risk of each vehicle in Portugal and, consequently the respective premium, is misfit and not aligned with the driver’s needs. This methodology uses only variables that lack of precision in evaluating risks, causing not only operational ineffiency in insurance companies’ business processes but also creating social inequalities. The main objective of this study is to contribute to the optimization of this calculation, using the technical capabilities offered by the Internet of Things (IoT). In this context, the current situation of the insurance market was analyzed, the stakeholders were identified and different calculating methods were analyzed and compared. The IoT-based methods allow to accurately estimate the risk associated with the driver and the vehicle behaviors in real time. In accordance with these objectives, and the current legislation regarding the protection of personal data, an IoT architecture of an information system was designed to encourage insurers in adopt a most effective management of automobile risk.
The auto insurance premiums in Portugal are a concern to insurance sector and society, due to its economic impact and influence in social well-being. Currently, the methodology used to estimate the risk of each vehicle in Portugal and, consequently the respective premium, is misfit and not aligned with the driver’s needs. This methodology uses only variables that lack of precision in evaluating risks, causing not only operational ineffiency in insurance companies’ business processes but also creating social inequalities. The main objective of this study is to contribute to the optimization of this calculation, using the technical capabilities offered by the Internet of Things (IoT). In this context, the current situation of the insurance market was analyzed, the stakeholders were identified and different calculating methods were analyzed and compared. The IoT-based methods allow to accurately estimate the risk associated with the driver and the vehicle behaviors in real time. In accordance with these objectives, and the current legislation regarding the protection of personal data, an IoT architecture of an information system was designed to encourage insurers in adopt a most effective management of automobile risk.
Descrição
Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Information Systems and Technologies Management
Palavras-chave
Internet of Things Seguradoras Cálculo do prémio automóvel Risco Processos de negócio Internet of Things; Insurers; Auto Ratemaking; Risk; Business processes Internet of Things Insurers Auto Ratemaking Risk Business processes