Influence of telematics of ubi insurance on the management of the fleet of company vehicles
Rafał Chaba 1  
More details
Hide details
Globtrak Polska Sp. z o. o ul. Wincentego Witosa 65/2 25-561 Kielce
Rafał Chaba   

Globtrak Polska Sp. z o. o ul. Wincentego Witosa 65/2 25-561 Kielce, Globtrak Polska Sp. z o. o ul. Wincentego Witosa 65/2 25-561 Kielce
Submission date: 2021-06-09
Final revision date: 2021-06-13
Acceptance date: 2021-06-28
Publication date: 2021-06-30
The Archives of Automotive Engineering – Archiwum Motoryzacji 2021;92(2):69–82
The advent and development of connected technologies and the adaptation of large collections of data are changing the face of all industries. A technological area that is gaining more and more in the era of automation and digitization of processes is the scope of utility telematics used mainly in the transport industry. The use of devices based on telematics technology allows for effective management of the vehicle fleet. The information collected and processed by the algorithm makes it possible to increase productivity, reduce costs and increase the safety of business fleets. One of the developing global trends is the use of telematics in the insurance industry to improve the area of risk assessment, and thus to better match the offer to a specific entity. The data flow between an insurer and their customers is growing exponentially, making the need for big data adaptation a cornerstone in the insurer's technological landscape. The aim of the article is to present the results of questionnaire studies presenting the driver's assessment before and after installing telematics devices on board the vehicle. The studies indicate the need to deal with aggressive business fleet drivers and their driving behaviour that has an impact on incidents and traffic incidents when traversing short- and long-haul routes. The comprehensive survey is also used to propose a solution that detects the risks posed by unsafe driving incidents on the road, taking into account the behavioural and emotional factors of the driver. The results of these studies will help the insurance industry to assess driving risks more accurately and propose a personalized premium calculation solution based on driver behaviour, which is most important for loss prevention in business fleets
Aarts L., Schagen I.: Driving speed and the risk of road crashes: A review. Accident Analysis & Prevention. 2006, 38(2), 215–224, DOI: 10.1016/j.aap.2005.07.004.
Aioi Nissay Dowa Insurance, (in): (accessed on 02.05.2021).
Aldahmash A., Gravell A., Howard Y.: Using Factor Analysis to Study the Critical Success Factors of Agile Software Development. Journal of Software. 2017, 12, 957–963, DOI:10.17706/JSW.12.12.957-963.
AXA Winterthur. Crash Recorder. 2014, (in): (accessed on 02.05.2021).
Bian Y., Yang C., Zhao J.L., Liang L.: Good drivers pay less: A study of usage-based vehicle insurance models. Transportation Research Part A: Policy and Practice. 2018, 107(C), 20–34, DOI: 10.1016/j.tra.2017.10.018.
Bukłaha E.; Juchniewicz M.: Kluczowe wyzwania i bariery oraz trendy w zarządzaniu projektami z punktu widzenia projektów realizowanych w Polsce. Przegląd Organizacji. 2019, 3, 14–20, DOI: 10.33141/po.2019.03.03.
Carroll C.F.: IT Success and Failure: The Standish Group CHAOS Report Success Factors. 2013. (access date: 15.02.2020).
CERF Reports 40768. Independent Research Assessment of Project Management Factors Affecting Department of Energy Project Success: Final Report. Office of Engineering and Construction Management. U.S. Department of Energy. Prepared for the U.S. Department of Energy by the Civil Engineering Research Foundation. 2004.
Chan A.P.C., Chan A.P.L.: Key performance indicators for measuring construction success. Benchmarking: An International Journal. 2004, 11(2), 203–221, DOI: 10.1108/ 14635770410532624.
Chow T., Cao D.B.: A Survey Study of Critical Success Factors in Agile Software Projects. Journal of Systems and Software. 2008, 81(6), 961–971, DOI:10.1016/j.jss.2007.08.020.
Chwastyk P., Kołosowski M.: Estimating the Cost of the New Product in Development Process. Procedia Engineering. 2014, 69, 351–360, DOI: 10.1016/j.proeng.2014.02.243.
Cooke-Davies T.: The “real” success factors on projects. International Journal of Project Management. 2002, 20(3), 185–190, DOI: 10.1016/S0263-7863(01)00067-9.
Davis K.: Different stakeholder groups and their perceptions of project success. International Journal of Project Management. 2014, 32(2), 189–201, DOI:10.1016/j.ijproman.2013.02.006.
de Wit A.: Measurement of project success. International Journal of Project Management. 1988, 6(3), 164–170, DOI: 10.1016/0263-7863(88)90043-9.
Desyllas P., Sako M.: Profiting from business model innovation: Evidence from Pay-As-You-Drive auto insurance. Research Policy. 2013, 42(1), 101–116, DOI: 10.1016/j.respol.2012.05.008.
Gilenko E.V., Mironova E.A., Spagnolo B.: Modern claim frequency and claim severity models: An application to the Russian motor own damage insurance market. Cogent Economics & Finance. 2017, 5(1), DOI: 10.1080/23322039.2017.1311097.
He B., Zhang D., Liu S., Liu H., Han D., Ni L.M.: Profiling Driver Behavior for Personalized Insurance Pricing and Maximal Profit. IEEE International Conference on Big Data. 2018, 1387–1396, DOI: 10.1109/BigData.2018.8622491.
Husnjak S., Peraković D., Forenbacher I., Mumdziev M.: Telematics System in Usage Based Motor Insurance. Procedia Engineering. 2015, 100, 816–825, DOI: 10.1016/j.proeng.2015.01.436.
Husnjak S., Perakovic D., Jovovic I.: Possibilities of Using Speech Recognition Systems of Smart Terminal Devices in Traffic Environment. Procedia Engineering. 2014, 69, 778–787, DOI: 10.1016/j.proeng.2014.03.054.
Introducing „Pay How You Drive” (PHYD) Insurance. Insurance that rewards safe driving. Jul 2016. (in): (accessed on 02.05.2021).
Ippisch T.: Telematics Data in Motor Insurance: Creating Value by Understanding the Impact of Accidents on Vehicle Use. Dissertation of the University of St. Gallen Graduate School of Business Administration. Economics. Law. and Social Sciences (HSG) to obtain the title of Doctor Oeconomiae. Lulu Enterprises. Inc. (USA). 2010.
Jin W., Deng Y., Jiang H., Xie Q., Shen W., Han W.: Latent class analysis of accident risks in usage-based insurance: Evidence from Beijing. Accident Analysis & Prevention. 2018, 115, 79–88, DOI: 10.1016/j.aap.2018.02.023.
Kongmuang P., Thawesaengskulthai N.: Improvement of Telematics Solution for Motor Insurance in Thailand by 5D Innovation Development Process. IEEE 6th International Conference on Industrial Engineering and Applications. 2019, 6–11, DOI: 10.1109/IEA.2019.8715152.
Kumar R.: Insurance Telematics: Risk Assessment of Connected Vehicles. IEEE Transportation Electrification Conference. 2019, 1–4, DOI: 10.1109/ITEC-India48457.2019.ITECINDIA2019-138.
Kuryłowicz Ł.: Usage-Based Insurance jako instrument przywracania równowagi na polskim rynku ubezpieczeń komunikacyjnych. (Usage-Based Insurance as an instrument to restore the balance on the Polish motor insurance market). Acta Universitatis Lodziensis. Folia Oeconomica. 2018, 1(333), 93–110, DOI: 10.18778/0208-6018.333.07.
Peraković D., Husnjak S., Forenbacher I.: The Market Potential Of M2M Communications For Telecommunications Operators. Conference on Traffic and Transport Engineering. Belgrade. 2012, 211–218.
Rejikumar G.: A pre-launch exploration of customer acceptance of usage based vehicle insurance policy. IIMB Management Review. 2013, 25(1), 19–27, DOI: 10.1016/j.iimb.2012.11.002.
Shaikh M.K., Palaniappan S., Khodadadi T., Khurram M., Khan M.H., Juzer H.: Insurematic: Gernalized framework for Insurance company to Automate Insurance process. International Conference on Information Science and Communication Technology. 2020, 1–4, DOI: 10.1109/ICISCT49550.2020.9080038.
Siami M., Naderpour M., Lu J.: A Mobile Telematics Pattern Recognition Framework for Driving Behavior Extraction. IEEE Transactions on Intelligent Transportation Systems. 2021, 22(3), 1459–1472, DOI: 10.1109/TITS.2020.2971214.
Telematics Usage-Based Insurance. (in): (accessed on 02.05.2021).
Tselentis D.I., Yannis G., Vlahogianni E.I.: Innovative Insurance Schemes: Pay as/how You Drive. Transportation Research Procedia. 2016, 14, 362–371, DOI: 10.1016/j.trpro.2016.05.088.
Vyas J., Das D., Das S.K.: Vehicular Edge Computing Based Driver Recommendation System Using Federated Learning. IEEE 17th International Conference on Mobile Ad Hoc and Sensor Systems. 2020, 675–683, DOI: 10.1109/MASS50613.2020.00087.
Yoon D., Choi J., Kim H., Kim J.: Future Automotive Insurance System based on Telematics Technology. 10th International Conference on Advanced Communication Technology. 2008, 679–681, DOI: 10.1109/ICACT.2008.4493851.
Zhuo Q.R., Huang Y.Z.: Investigation on Consumers' Acceptance of Usage Based Insurance with Internet of Vehicles. IEEE Eurasia Conference on IOT. Communication and Engineering. 2019, 331–334, DOI: 10.1109/ECICE47484.2019.8942801.
Declaration of availability