探討機車車主對於UBI保單接受程度之研究

Exploring the motorcyclists’willingness to purchase UBI contract

徐芷盈(Chih-Ying Hsu)

指導教授 ： 汪琪玲

淡江大學/商管學院/保險學系保險經營碩士班/碩士(2018年)

https://doi.org/10.6846/TKU.2018.00541

摘要

本文探討機車車主對於UBI保單之接受程度，利用問卷調查，除從傳統機車險種所使用的核保因子(從人、從特性)分析外，更針對個人的風險趨避程度、個人的主觀風險認知、以及是否為風險樂觀者進行探討，檢驗這些因素如何影響購買UBI保單之意願。研究結果發現，消費者若是認為自己是中等風險的人及低風險駕駛的人，對於UBI保單的接受度會比其它類型的人高，其中，風險中等者特別喜愛具有紀錄行駛里程數之UBI保單，而風險樂觀者雖無明顯表示願意接受UBI保單，但結果顯示，風險樂觀者特別喜愛裝有車載設備的UBI保單。期望本研究結果能廣為各界支持應用，作為業界未來發展UBI保險產業之參考。

關鍵字

機車車主 ； 風險因子 ； Usage-Based Insureance

並列摘要

This essay explores the degree of acceptance of UBI policy by motorcyclists. Investigation by means of questionnaire is used and apart from conducting analysis on the underwriting factors (from people and from car characteristics) of traditional motorcycle insurance type, exploration is also conducted aiming at the degree of risk aversion of individual, the subjective risk perception of individual and whether one is a risk optimist in order to examine how these factors can affect the willingness of purchasing UBI policy. The finding of the research result is if the consumer is of opinion that he/she is a medium risk person and is a low risk driver, the degree of acceptance of UBI policy is higher than people of other type. Amongst which, person who is medium risk is especially fond of UBI policy with records of driving mileage. Although risk optimists do not obviously express their willingness to accept UBI policy, yet the result shows that risk optimists are especially fond of UBI policy with on-board equipment. Hoping that this research result can be broadly supported and applied by various sectors and can be a reference for the industry in their development of UBI insurance industry in the future.

並列關鍵字

Motorcyclists ； Risk Factor ； Usage-Based Insurance

參考文獻

參考文獻

國內文獻

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2. 莊淳富、林育輝、張俊哲、陳張駿，2017，UBI（Usage Based Insurance）駕駛行為車險應用服務，電腦通訊，169，1-3。

3. 彭江琴、刘南杰、赵海涛、于明鹭，2016，智能UBI系统研究，計算機技術與發展，26(1)，142-146。