IDEAS home Printed from https://ideas.repec.org/p/bak/wpaper/201701.html
   My bibliography  Save this paper

Improving automobile insurance ratemaking using telematics: incorporating mileage and driver behaviour data

Author

Listed:
  • Mercedes Ayuso

    (Department of Econometrics, Riskcenter-IREA, Universitat de Barcelona)

  • Montserrat Guillén

    (Department of Econometrics, Riskcenter-IREA, Universitat de Barcelona)

  • Jens Perch Nielsen

    (Cass Business School, City University)

Abstract

We show how data collected from a GPS device can be incorporated in motor insurance ratemaking. The calculation of premium rates based upon driver behaviour represents an opportunity for the insurance sector. Our approach is based on count data regression models for frequency, where exposure is driven by the distance travelled and additional parameters that capture characteristics of automobile usage and which may affect claiming behaviour. We propose implementing a classical frequency model that is updated with telemetrics information. We illustrate the method using real data from usage-based insurance policies. Results show that not only the distance travelled by the driver, but also driver habits, significantly influence the expected number of accidents and, hence, the cost of insurance coverage. This paper provides a methodology including a transition pricing transferring knowledge and experience that the company already had before the telematics data arrived to the new world including telematics information.

Suggested Citation

  • Mercedes Ayuso & Montserrat Guillén & Jens Perch Nielsen, 2017. "Improving automobile insurance ratemaking using telematics: incorporating mileage and driver behaviour data," Working Papers 2017-01, Universitat de Barcelona, UB Riskcenter.
  • Handle: RePEc:bak:wpaper:201701
    as

    Download full text from publisher

    File URL: http://www.ub.edu/rfa/research/WP/UBriskcenterWP201701.pdf
    File Function: First version, 2017
    Download Restriction: no
    ---><---

    Other versions of this item:

    References listed on IDEAS

    as
    1. Nieto, S. & Ramos, R., 2011. "¿La sobreeducación de los padres afecta al rendimiento académico de sus hijos?," Regional and Sectoral Economic Studies, Euro-American Association of Economic Development, vol. 11(3).
    2. Antonio Di Paolo & Josep Lluís Raymond, 2012. "Language Knowledge and Earnings in Catalonia," Journal of Applied Economics, Taylor & Francis Journals, vol. 15(1), pages 89-118, May.
    3. Jofre-Monseny, Jordi & Silva, José I. & Vázquez-Grenno, Javier, 2020. "Local labor market effects of public employment," Regional Science and Urban Economics, Elsevier, vol. 82(C).
    4. Aaron S. Edlin, 1999. "Per-Mile Premiums for Auto Insurance," NBER Working Papers 6934, National Bureau of Economic Research, Inc.
    5. Gourieroux, Christian & Monfort, Alain & Trognon, Alain, 1984. "Pseudo Maximum Likelihood Methods: Theory," Econometrica, Econometric Society, vol. 52(3), pages 681-700, May.
    6. Cappellari, Lorenzo & Di Paolo, Antonio, 2018. "Bilingual schooling and earnings: Evidence from a language-in-education reform," Economics of Education Review, Elsevier, vol. 64(C), pages 90-101.
    7. Canova, Luciano & Vaglio, Alessandro, 2010. "Why do educated mothers matter? A model of parental help," Economics Discussion Papers 2010-29, Kiel Institute for the World Economy (IfW).
    8. Garcia-López, Miquel-Àngel & Hémet, Camille & Viladecans-Marsal, Elisabet, 2017. "Next train to the polycentric city: The effect of railroads on subcenter formation," Regional Science and Urban Economics, Elsevier, vol. 67(C), pages 50-63.
    9. Antonio Di Paolo & Ferran Mañé, 2014. "“Are we wasting our talent? Overqualification and overskilling among PhD graduates”," IREA Working Papers 201426, University of Barcelona, Research Institute of Applied Economics, revised Oct 2014.
    10. Xosé-Luís Varela-Irimia, 2012. "Profitability, uncertainty and multi-product firm product proliferation: The Spanish car industry," Working Papers XREAP2012-16, Xarxa de Referència en Economia Aplicada (XREAP), revised Sep 2012.
    11. José García-Quevedo & Gabriele Pellegrino & Marco Vivarelli, 2011. "The determinants of YIc's R&D activity," Working Papers XREAP2011-20, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2011.
    12. Miriam Hortas-Rico & Albert Solé-Ollé, 2010. "Does Urban Sprawl Increase the Costs of Providing Local Public Services? Evidence from Spanish Municipalities," Urban Studies, Urban Studies Journal Limited, vol. 47(7), pages 1513-1540, June.
    13. Nestor Duch-Brown & Jose Garcia-Quevedo & Daniel Montolio, 2008. "Assessing the assignation of public subsidies: Do the experts choose the most efficient R&D projects?," Working Papers in Economics 207, Universitat de Barcelona. Espai de Recerca en Economia.
    14. Xosé-Luís Varela-Irimia, 2014. "Age effects, unobserved characteristics and hedonic price indexes: The Spanish car market in the 1990s," SERIEs: Journal of the Spanish Economic Association, Springer;Spanish Economic Association, vol. 5(4), pages 419-455, November.
    15. Montserrat Guillen & Adelina Comas-Herrera, 2011. "How much risk is mitigated by LTC Insurance? A case study of the public system in Spain," Working Papers XREAP2011-07, Xarxa de Referència en Economia Aplicada (XREAP), revised Jun 2011.
    16. Gómez-Puig, Marta & Sosvilla-Rivero, Simón, 2014. "Causality and contagion in EMU sovereign debt markets," International Review of Economics & Finance, Elsevier, vol. 33(C), pages 12-27.
    17. Ramon Caminal & Antonio Di Paolo, 2015. "Your language or mine?," Working Papers XREAP2015-05, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2015.
    18. Vicente Royuela & Diona Lambiri & Bianca Biagi, 2006. "Economía Urbana y Calidad de Vida. Una revisión del estado del conocimiento en España," IREA Working Papers 200606, University of Barcelona, Research Institute of Applied Economics, revised Dec 2006.
    19. Antonio Di Paolo & Aysit Tansel, 2015. "Returns to Foreign Language Skills in a Developing Country: The Case of Turkey," Journal of Development Studies, Taylor & Francis Journals, vol. 51(4), pages 407-421, April.
    20. Néstor Duch-Brown & José García-Quevedo & Daniel Montolio, 2011. "The link between public support and private R&D effort: What is the optimal subsidy?," Working Papers XREAP2011-09, Xarxa de Referència en Economia Aplicada (XREAP), revised Jun 2011.
    21. Hoon Choi & Alvaro Choi, 2015. "When one door closes: the impact of the hagwon curfew on the consumption of private tutoring in the Republic of Korea," Working Papers XREAP2015-06, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2015.
    22. Gourieroux, Christian & Monfort, Alain & Trognon, Alain, 1984. "Pseudo Maximum Likelihood Methods: Applications to Poisson Models," Econometrica, Econometric Society, vol. 52(3), pages 701-720, May.
    23. J. Ignacio García-Pérez & Marisa Hidalgo-Hidalgo & J. Antonio Robles-Zurita, 2011. "Does grade retention affect achievement? Some evidence from PISA," Working Papers XREAP2011-18, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2011.
    24. Antonio Di Paolo & Anna Matas & Josep Lluís Raymond, 2014. "“Job Accessibility, Employment and Job-Education Mismatch in the Metropolitan Area of Barcelona”," IREA Working Papers 201419, University of Barcelona, Research Institute of Applied Economics, revised May 2014.
    25. Anna Matas & Josep-Lluis Raymond & Adriana Ruiz, 2012. "Traffic forecasts under uncertainty and capacity constraints," Transportation, Springer, vol. 39(1), pages 1-17, January.
    26. Raúl Ramos & Esteban Sanromá & Hipólito Simón, 2014. "Public-Private Sector Wage Differentials by Type of Contract: Evidence from Spain," Hacienda Pública Española, IEF, vol. 208(1), pages 107-141, March.
    27. J. Ignacio García-Pérez & Marisa Hidalgo-Hidalgo & J. Antonio Robles-Zurita, 2011. "Does grade retention affect achievement? Some evidence from PISA," Working Papers 11.09, Universidad Pablo de Olavide, Department of Economics.
    28. Agustí Segarra-Blasco & José García-Quevedo & Mercedes Teruel-Carrizosa, 2007. "Barriers to innovation and public policy in Catalonia," Working Papers 2007/6, Institut d'Economia de Barcelona (IEB).
    29. Joan-Ramon Borrell & Juan Luis Jiménez & Carmen García, 2014. "Evaluating Antitrust Leniency Programs," Journal of Competition Law and Economics, Oxford University Press, vol. 10(1), pages 107-136.
    30. Antonio Di Paolo, 2012. "Parental Education And Family Characteristics: Educational Opportunities Across Cohorts In Italy And Spain," Revista de Economia Aplicada, Universidad de Zaragoza, Departamento de Estructura Economica y Economia Publica, vol. 20(1), pages 119-146, Spring.
    31. Antonio di Paolo, 2011. "Knowledge of catalan, public/prívate sector choice and earnings: Evidence from a double sample selection model," Hacienda Pública Española / Review of Public Economics, IEF, vol. 197(2), pages 9-35, June.
    32. Pilar Abad & Helena Chuliá, 2014. "European government bond market integration in turbulent times," Working Papers 2014-08, Universitat de Barcelona, UB Riskcenter.
    33. Jordi Perdiguero & Joan-Ramon Borrell, 2012. "Driving competition in local gasoline markets," Working Papers XREAP2012-04, Xarxa de Referència en Economia Aplicada (XREAP), revised Mar 2012.
    34. Vicente Royuela, 2012. "What about people in European Regional Science?," Working Papers XREAP2012-12, Xarxa de Referència en Economia Aplicada (XREAP), revised May 2012.
    35. Catherine Donnelly & Russell Gerrard & Montserrat Guillén & Jens Perch Nielsen, 2015. "Less is more: increasing retirement gains by using an upside terminal wealth constraint," Working Papers 2015-02, Universitat de Barcelona, UB Riskcenter.
    36. Joan-Ramon Borrell & Laura Fernández-Villadangos, 2009. "Assessing excess profits from different entry regulations," Working Papers XREAP2009-03, Xarxa de Referència en Economia Aplicada (XREAP), revised Apr 2009.
    37. Anna Matas & Josep Lluís Raymond & José Luis Roig, 2013. "How market access shapes human capital investment in a peripheral country," Working Papers XREAP2013-06, Xarxa de Referència en Economia Aplicada (XREAP), revised Oct 2013.
    38. Luciano Canova & Alessandro Vaglio, 2010. "Why do educated mothers matter? A model of parental help," Working Papers XREAP2010-17, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2010.
    39. Rafael Gonz�lez-Val & Jose Olmo, 2015. "Growth in a Cross-section of Cities: Location, Increasing Returns or Random Growth?," Spatial Economic Analysis, Taylor & Francis Journals, vol. 10(2), pages 230-261, June.
    40. Anna Matas & José Luís Raymond & José Luís Roig, 2011. "The impact of agglomeration effects and accessibility on wages," Working Papers XREAP2011-16, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2011.
    41. Michael Lokshin & Zurab Sajaia, 2011. "Impact of interventions on discrete outcomes: Maximum likelihood estimation of the binary choice models with binary endogenous regressors," Stata Journal, StataCorp LP, vol. 11(3), pages 368-385, September.
    42. Muhammad Shafique & Eiji Hato, 2015. "Use of acceleration data for transportation mode prediction," Transportation, Springer, vol. 42(1), pages 163-188, January.
    43. Michal Isaacson & Noam Shoval & Hans-Werner Wahl & Frank Oswald & Gail Auslander, 2016. "Compliance and data quality in GPS-based studies," Transportation, Springer, vol. 43(1), pages 25-36, January.
    44. Matas, Anna & Raymond, José-Luis & Roig, José-Luis, 2009. "Car ownership and access to jobs in Spain," Transportation Research Part A: Policy and Practice, Elsevier, vol. 43(6), pages 607-617, July.
    45. Mercedes Teruel-Carrizosa & Agustí Segarra-Blasco, 2008. "Immigration and Firm Growth: Evidence from Spanish cities," Working Papers XREAP2008-11, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2008.
    46. Mariam Camarero & Josep Lluis Carrion Silvestre & Cecilio Tamarit, 2006. "New evidence of the real interest rate parity for OECD countries using panel unit root tests with breaks," Working Papers in Economics 159, Universitat de Barcelona. Espai de Recerca en Economia.
    47. Veruska Oppedisano & Gilberto Turati, 2010. "What are the causes of educational inequalities and of their evolution over time in Europe? Evidence from PISA," Working Papers XREAP2010-16, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2010.
    48. Xavier Piulachs & Ramon Alemany & Montserrat Guillen, 2014. "A joint longitudinal and survival model with health care usage for insured elderly," Working Papers 2014-07, Universitat de Barcelona, UB Riskcenter.
    49. Antonio Di Paolo, 2012. "(Endogenous) occupational choices and job satisfaction among recent PhD recipients: evidence from Catalonia," Working Papers XREAP2012-21, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2012.
    50. Nestor Duch-Brown & Jose Garcia-Quevedo & Daniel Montolio, 2008. "Assessing the assignation of public subsidies: Do the experts choose the most efficient R&D projects?," Working Papers in Economics 207, Universitat de Barcelona. Espai de Recerca en Economia.
    51. Helena Chuliá & Montserrat Guillén & Jorge M. Uribe, 2015. "Mortality and Longevity Risks in the United Kingdom: Dynamic Factor Models and Copula-Functions," Working Papers 2015-03, Universitat de Barcelona, UB Riskcenter.
    52. Néstor Duch-Brown & José García-Quevedo & Daniel Montolio, 2011. "The link between public support and private R&D effort: What is the optimal subsidy?," Working Papers XREAP2011-09, Xarxa de Referència en Economia Aplicada (XREAP), revised Jun 2011.
    53. Donnelly, Catherine & Gerrard, Russell & Guillén, Montserrat & Nielsen, Jens Perch, 2015. "Less is more: Increasing retirement gains by using an upside terminal wealth constraint," Insurance: Mathematics and Economics, Elsevier, vol. 64(C), pages 259-267.
    54. Eva Boj & Pedro Delicado & Josep Fortiana & Anna Esteve & Adria Caballe, 2012. "Local Distance-Based Generalized Linear Models using the dbstats package for R," Working Papers XREAP2012-11, Xarxa de Referència en Economia Aplicada (XREAP), revised May 2012.
    55. Michal Isaacson & Noam Shoval & Hans-Werner Wahl & Frank Oswald & Gail Auslander, 2016. "Compliance and data quality in GPS-based studies," Transportation, Springer, vol. 43(1), pages 25-36, January.
    56. Marta Arespa, 2011. "Macroeconomics of extensive margins: a simple model," Working Papers XREAP2011-19, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2011.
    57. Ana Maria Osorio & Catalina Bolancé & Nyovani Madise, 2012. "Intermediary and structural determinants of early childhood health in Colombia: exploring the role of communities," Working Papers XREAP2012-13, Xarxa de Referència en Economia Aplicada (XREAP), revised Jun 2012.
    58. Roger Newson, 2015. "Somers' D: A common currency for associations," United Kingdom Stata Users' Group Meetings 2015 01, Stata Users Group.
    59. Agustí Segarra-Blasco & Mercedes Teruel-Carrizosa, 2006. "Productivity growth and competition in spanish manufacturing firms: What has happened in recent years?," Working Papers CREAP2006-09, Xarxa de Referència en Economia Aplicada (XREAP), revised Dec 2006.
    60. Esteban Sanromá & Raul Ramos & Hipólito Simón, 2009. "Los salarios de los inmigrantes en el mercado de trabajo español. ¿Importa el origen del capital humano?," Working Papers XREAP2009-04, Xarxa de Referència en Economia Aplicada (XREAP), revised Apr 2009.
    61. Jean‐Philippe Boucher & Michel Denuit & Montserrat Guillen, 2009. "Number of Accidents or Number of Claims? An Approach with Zero‐Inflated Poisson Models for Panel Data," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 76(4), pages 821-846, December.
    62. Jaume Belles-Sampera & Montserrat Guillén & Miguel Santolino, 2015. "What attitudes to risk underlie distortion risk measure choices?," Working Papers 2015-05, Universitat de Barcelona, UB Riskcenter.
    63. Vijay Aseervatham & Christoph Lex & Spindler, Martin, 2014. "How do unisex rating regulations affect gender differences in insurance premiums?," MEA discussion paper series 201416, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    64. Paefgen, Johannes & Staake, Thorsten & Fleisch, Elgar, 2014. "Multivariate exposure modeling of accident risk: Insights from Pay-as-you-drive insurance data," Transportation Research Part A: Policy and Practice, Elsevier, vol. 61(C), pages 27-40.
    65. Miriam Hortas-Rico & Albert Solé-Ollé, 2010. "Does Urban Sprawl Increase the Costs of Providing Local Public Services? Evidence from Spanish Municipalities," Urban Studies, Urban Studies Journal Limited, vol. 47(7), pages 1513-1540, June.
    66. Ana Maria Osorio & Catalina Bolancé & Nyovane Madise & Katharina Rathmann, 2013. "Social Determinants of Child Health in Colombia: Can Community Education Moderate the Effect of Family Characteristics?," Working Papers XREAP2013-02, Xarxa de Referència en Economia Aplicada (XREAP), revised Mar 2013.
    67. Leo Guelman & Montserrat Guillen & Ana M. Pérez-Marín, 2014. "Optimal personalized treatment rules for marketing interventions: A review of methods, a new proposal, and an insurance case study," Working Papers 2014-06, Universitat de Barcelona, UB Riskcenter.
    68. Yang Xu & Shih-Lung Shaw & Ziliang Zhao & Ling Yin & Zhixiang Fang & Qingquan Li, 2015. "Understanding aggregate human mobility patterns using passive mobile phone location data: a home-based approach," Transportation, Springer, vol. 42(4), pages 625-646, July.
    69. Antonio Manresa & Ferran Sancho, 2012. "Leontief versus Ghosh: two faces of the same coin," Working Papers XREAP2012-18, Xarxa de Referència en Economia Aplicada (XREAP), revised Oct 2012.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Felix G Rebitschek & Gerd Gigerenzer & Ariane Keitel & Sarah Sommer & Christian Groß & Gert G Wagner, 2021. "Acceptance of criteria for health and driver scoring in the general public in Germany," PLOS ONE, Public Library of Science, vol. 16(4), pages 1-14, April.
    2. Jean-Philippe Boucher & Roxane Turcotte, 2020. "A Longitudinal Analysis of the Impact of Distance Driven on the Probability of Car Accidents," Risks, MDPI, Open Access Journal, vol. 8(3), pages 1-19, September.
    3. Miguel Santolino & Mercedes Ayuso, 2020. "Number and severity of BI victims, assuming dependence between vehicles involved in the crash," IREA Working Papers 202018, University of Barcelona, Research Institute of Applied Economics, revised Dec 2020.
    4. Donatella Porrini & Giulio Fusco & Cosimo Magazzino, 2020. "Black boxes and market efficiency: the effect on premiums in the Italian motor-vehicle insurance market," European Journal of Law and Economics, Springer, vol. 49(3), pages 455-472, June.
    5. Ma, Yu-Luen & Zhu, Xiaoyu & Hu, Xianbiao & Chiu, Yi-Chang, 2018. "The use of context-sensitive insurance telematics data in auto insurance rate making," Transportation Research Part A: Policy and Practice, Elsevier, vol. 113(C), pages 243-258.
    6. Banghee So & Jean-Philippe Boucher & Emiliano A. Valdez, 2021. "Synthetic Dataset Generation of Driver Telematics," Risks, MDPI, Open Access Journal, vol. 9(4), pages 1-19, March.
    7. Yanez, Juan Sebastian & Pigeon, Mathieu, 2021. "Micro-level parametric duration-frequency-severity modeling for outstanding claim payments," Insurance: Mathematics and Economics, Elsevier, vol. 98(C), pages 106-119.
    8. Shengkun Xie, 2021. "Improving Explainability of Major Risk Factors in Artificial Neural Networks for Auto Insurance Rate Regulation," Risks, MDPI, Open Access Journal, vol. 9(7), pages 1-21, July.
    9. Marjan Qazvini, 2019. "On the Validation of Claims with Excess Zeros in Liability Insurance: A Comparative Study," Risks, MDPI, Open Access Journal, vol. 7(3), pages 1-17, June.

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Catalina Bolancé & Zuhair Bahraoui & Ramon Alemany, 2015. "Estimating extreme value cumulative distribution functions using bias-corrected kernel approaches," Working Papers XREAP2015-01, Xarxa de Referència en Economia Aplicada (XREAP), revised Jan 2015.
    2. Esther Vayá & José Ramón García & Joaquim Murillo & Javier Romaní & Jordi Suriñach, 2016. "“Economic Impact of Cruise Activity: The Port of Barcelona”," AQR Working Papers 201609, University of Barcelona, Regional Quantitative Analysis Group, revised Nov 2016.
    3. Anna Castañer & Mª Mercè Claramunt, 2014. "Optimal stop-loss reinsurance: a dependence analysis," Working Papers XREAP2014-04, Xarxa de Referència en Economia Aplicada (XREAP), revised Apr 2014.
    4. Anna Castañer & Mª Mercè Claramunt & Alba Tadeo & Javier Varea, 2016. "Modelización de la dependencia del número de siniestros. Aplicación a Solvencia II," Working Papers XREAP2016-01, Xarxa de Referència en Economia Aplicada (XREAP), revised Sep 2016.
    5. Antonio Manresa & Ferran Sancho, 2012. "Leontief versus Ghosh: two faces of the same coin," Working Papers XREAP2012-18, Xarxa de Referència en Economia Aplicada (XREAP), revised Oct 2012.
    6. Manuela Alcañiz & Aïda Solé-Auró, 2018. "Ageing and health-related quality of life: evidence from Catalonia (Spain)," Working Papers 2018-01, Universitat de Barcelona, UB Riskcenter.
    7. Manuela Alcañiz & Montserrat Guillén & Daniel Sánchez-Moscona & Miguel Santolino & Oscar Llatje & Lluís Ramon, 2013. "Prevalence of alcohol-impaired drivers based on random breath tests in a roadside survey," Working Papers XREAP2013-05, Xarxa de Referència en Economia Aplicada (XREAP), revised Jul 2013.
    8. Montserrat Guillen & Jens Perch Nielsen & Mercedes Ayuso & Ana M. Pérez‐Marín, 2019. "The Use of Telematics Devices to Improve Automobile Insurance Rates," Risk Analysis, John Wiley & Sons, vol. 39(3), pages 662-672, March.
    9. Antonio Di Paolo & Ferran Mañé, 2014. "Are we wasting our talent? Overqualification and overskilling among PhD graduates," Working Papers XREAP2014-06, Xarxa de Referència en Economia Aplicada (XREAP), revised Jun 2014.
    10. Carmen D. Álvarez-Albelo & Antonio Manresa & Monica Pigem-Vigo, 2015. "Growing through trade: the role of foreign growth and domestic tariffs," Working Papers XREAP2015-04, Xarxa de Referència en Economia Aplicada (XREAP), revised Nov 2015.
    11. Agustí Segarra & Mercedes Teruel & Miquel Angel Bove, 2014. "A territorial approach to R&D subsidies: Empirical evidence for Catalonian firms," Working Papers XREAP2014-07, Xarxa de Referència en Economia Aplicada (XREAP), revised Sep 2014.
    12. Garcia-López, Miquel-Àngel & Hémet, Camille & Viladecans-Marsal, Elisabet, 2017. "Next train to the polycentric city: The effect of railroads on subcenter formation," Regional Science and Urban Economics, Elsevier, vol. 67(C), pages 50-63.
    13. Teixidó-Figueras, J. & Duro, J.A., 2014. "Spatial Polarization of the Ecological Footprint Distribution," Ecological Economics, Elsevier, vol. 104(C), pages 93-106.
    14. Jofre-Monseny, Jordi & Silva, José I. & Vázquez-Grenno, Javier, 2020. "Local labor market effects of public employment," Regional Science and Urban Economics, Elsevier, vol. 82(C).
    15. Matas, Anna & Raymond, José-Luis & Roig, José-Luis, 2009. "Car ownership and access to jobs in Spain," Transportation Research Part A: Policy and Practice, Elsevier, vol. 43(6), pages 607-617, July.
    16. Aida Solé-Auró & Manuela Alcañiz, 2014. "Are we living longer but less healthy? Trends in mortality and morbidity in Catalonia (Spain), 1994-2011," Working Papers XREAP2014-01, Xarxa de Referència en Economia Aplicada (XREAP), revised Jan 2013.
    17. Raúl Ramos & Esteban Sanromá & Hipólito Simón, 2014. "Public-Private Sector Wage Differentials by Type of Contract: Evidence from Spain," Hacienda Pública Española / Review of Public Economics, IEF, vol. 208(1), pages 107-141, March.
    18. Christian Durán Weitkamp & Mónica Martín Bofarull & Federico Pablo Martí, 2008. "Economic effects of road accessibility in the Pyrenees: user perspective," Working Papers XREAP2008-01, Xarxa de Referència en Economia Aplicada (XREAP), revised Jan 2008.
    19. Raul Ramos & Esteban Sanromá & Hipólito Simón, 2015. "An analysis of wage differentials between full- and part-time workers in Spain," Working Papers XREAP2015-02, Xarxa de Referència en Economia Aplicada (XREAP), revised Aug 2015.
    20. Daniel Albalate & Jordi Rosell, 2016. "Persistent and transient efficiency on the stochastic production and cost frontiers – an application to the motorway sector," Working Papers XREAP2016-04, Xarxa de Referència en Economia Aplicada (XREAP), revised Oct 2016.

    More about this item

    Keywords

    tariff; premium calculation; pay-as-you-drive insurance; count data models;
    All these keywords.

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bak:wpaper:201701. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: . General contact details of provider: https://edirc.repec.org/data/rskubes.html .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Montserrat Guillen (email available below). General contact details of provider: https://edirc.repec.org/data/rskubes.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.