政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/157308

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | Items with full text/Total items : 116896/147927 (79%)
Visitors : 64510790 Online Users : 58

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer

政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/157308

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/157308

Title:	How do Consumers Think About Usage-Based Auto Insurance? –A Survey Analysis from Taiwan
Authors:	彭金隆 Peng, Jin-Lung;Chen, Yi-Fan;Chen, Yen-Chih
Contributors:	風管系
Keywords:	usage-based auto insurance;UBI;privacy concerns;insurtech;auto insurance
Date:	2025-04
Issue Date:	2025-06-13 09:00:55 (UTC+8)
Abstract:	Despite the inherent benefits of usage-based auto insurance (UBI), such as loss prevention and reduced premiums, the UBI market has encountered limitations hindering its expansion in practical terms. This study aims to explore the attitudes of consumers towards UBI and the pivotal factors influencing their decision to adopt UBI. According to the survey, a better understanding of the rationale behind pay-as-you-drive auto insurance (PAYD) and pay-how-you-drive auto insurance (PHYD) plays an important role in policyholders’ acceptance. In addition, consumers with higher auto insurance premiums and individuals willing to share their data are more likely to buy UBI. Our research suggests that the promotion of UBI should be aligned with increasing individuals’ willingness to share personal information and reducing privacy concerns. This could not only increase the willingness to purchase UBI but also help balance discount expectations between policyholder and insurer.
Relation:	Asia-Pacific Journal of Risk and Insurance, pp.forthcoming
Data Type:	article
DOI 連結:	https://doi.org/10.1515/apjri-2024-0015
DOI:	10.1515/apjri-2024-0015
Appears in Collections:	[風險管理與保險學系] 期刊論文

Files in This Item:

File	Description	Size	Format
index.html		0Kb	HTML	48	View/Open

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

Loading...