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Evaluación de la eficiencia de una cartera de asegurados en el sector del automóvil = Efficiency Assessment in the Automobile Insurance Sector

  • Segovia González, M. Manuela


    (Departamento de Economía, Métodos Cuantitativos e Historia Económica. Universidad Pablo de Olavide)

  • Contreras Rubio, Ignacio


    (Departamento de Economía, Métodos Cuantitativos e Historia Económica. Universidad Pablo de Olavide)

  • Mar Molinero, Cecilio


    (Kent Business School. University of Kent (United Kingdom))

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    La situación actual del sector del seguro del automóvil exige a las compañías aseguradoras diseñar productos cada vez más ajustados al tipo de cliente al que se dirige. En el presente trabajo analizamos los 80.000 registros ofrecidos por una entidad aseguradora con una importante cuota en el mercado español. Tras identificar una serie de perfiles en los clientes asegurados, se estudia la eficiencia de cada uno de ellos mediante la aplicación de Análisis Envolvente de Datos (DEA) y estadística multivariante. Los resultados obtenidos permiten identificar aquellos clientes que mejor rendimiento ofrecen a la compañía. Mediante la aplicación de test estadísticos paramétricos y no paramétricos, se determinan, además, las similitudes y diferencias existentes entre grupos de clientes que comparten una determinada característica. = Insurance companies have to take risk and cost into account when pricing car insurance policies in order to design new products to cover the risk of private use of cars. In this paper we use data from 80,000 car insurance policies in order to assess, once risk and cost have been taken into account, the policies that generate the highest returns for the company. After different profiles of clients are identified, including among the characteristics the regional location of the clients, we use Data Envelopment Analysis and multivariate statistics. The results obtained not only permit us to identify the best groups of clients for the company but also to determine similarities and differences among profiles of clients.

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    Article provided by Universidad Pablo de Olavide, Department of Quantitative Methods for Economics and Business Administration in its journal Revista de Métodos Cuantitativos para la Economía y la Empresa = Journal of Quantitative Methods for Economics and Business Administration.

    Volume (Year): 7 (2009)
    Issue (Month): 1 (June)
    Pages: 57-76

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    Handle: RePEc:pab:rmcpee:v:7:y:2009:i:1:p:57-76
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