论文标题
了解从用户视图的可用性和用户接受基于使用的保险
Understanding Usability and User Acceptance of Usage-Based Insurance from Users' View
论文作者
论文摘要
智能运输系统（ITS）涵盖了与交通管制和安全驾驶等主题相关的各种服务。在汽车保险的背景下，最新的申请被称为基于用法的保险（UBI）。 UBI指的是汽车保险政策，使保险公司能够使用远程信息处理设备收集单个驾驶数据。分析收集的数据并用于根据驾驶行为提供个人折扣，并提供有关驾驶性能的反馈。尽管有很多关于UBI好处的广告材料，但是到目前为止，UBI系统的用户接受和可用性尚未受到研究的关注。为此，我们进行了两项用户研究：与UBI用户的半结构化访谈，以及对德国保险公司网络论坛的186个客户查询的定性分析。我们发现，在某些情况下，UBI挑衅了危险的驾驶行为。通过使UBI透明和驱动程序可定制的反馈来减轻这些情况。此外，该国驾驶条件，政策条件以及感知的驾驶风格会影响UBI的接受。
Intelligent Transportation Systems (ITS) cover a variety of services related to topics such as traffic control and safe driving, among others. In the context of car insurance, a recent application for ITS is known as Usage-Based Insurance (UBI). UBI refers to car insurance policies that enable insurance companies to collect individual driving data using a telematics device. Collected data is analysed and used to offer individual discounts based on driving behaviour and to provide feedback on driving performance. Although there are plenty of advertising materials about the benefits of UBI, the user acceptance and the usability of UBI systems have not received research attention so far. To this end, we conduct two user studies: semi-structured interviews with UBI users and a qualitative analysis of 186 customer inquiries from a web forum of a German insurance company. We find that under certain circumstances, UBI provokes dangerous driving behaviour. These situations could be mitigated by making UBI transparent and the feedback customisable by drivers. Moreover, the country driving conditions, the policy conditions, and the perceived driving style influence UBI acceptance.
