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Nonnegative Second-Order Semiparametric Analysis and Experience Rating in Non-life Insurance

In: Handbook of Insurance

Author

Listed:
  • Jean Pinquet

    (Université Paris Nanterre)

Abstract

A guiding theme of the chapter is the memory in longitudinal nonlife insurance data, and especially in automobile insurance. Memory in bonus–malus scales, in real-world rating structures and in statistical models on insurance data, is related to the magnitude of no-claim discounts, if the seniority is controlled for. By increasing length of memory in the automobile insurance sector, we have the following ranking: bonus–malus scales, real-world rating structures, and frequency risks estimated by statistical models. The chapter also studies the point-record driving licenses based on traffic violations, which are used to create incentives to safe driving. The incentive properties are discussed, as well as the future of point-record driving licenses in a context where the driver’s behavior would be recorded in real time. The bulk of the chapter is devoted to the semiparametric analysis of panel count data.

Suggested Citation

  • Jean Pinquet, 2025. "Nonnegative Second-Order Semiparametric Analysis and Experience Rating in Non-life Insurance," Springer Books, in: Georges Dionne (ed.), Handbook of Insurance, edition 0, pages 447-462, Springer.
    • Handle: RePEc:spr:sprchp:978-3-031-69561-2_16
    DOI: 10.1007/978-3-031-69561-2_16
    as

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