Razvoj i perspektive novih tehnoloških rješenja u osiguranju motornih vozila

professional thesis

• Title (english): Development and perspectives of new technological solutions in motor vehicle insurance
• Author: Mojimir Jadrijević
• Mentor: Maja Mihelja Žaja (mentor)
• Committee member: Zvonko Kostanjčar (predsjednik povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Committee member: Mario Spremić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Electrical Engineering and Computing; Zagreb
• Defense date and country: 2023-01-31, Croatia
• Scientific / art field, discipline and subdiscipline: TECHNICAL SCIENCES; Computing
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Rad analizira razvoj i perspektivnu novih tehnoloških rješenja u osiguranju motornih vozila istraživanja i postavljanje novog koncepta DRIVE.SAFE kao model digitalne platforme za osiguranje. Cilj rada je pokazati kako je neophodno prihvatiti nove dostupne tehnologije i to za iskorištavanje punog potencijalna koju tehnologija nudi na način disturbacije i sklapanja ugovara u osiguranju u današnjem svijetu te korištenje tehnologije razvojem auto industrije koja producira i kreira automobile koji će biti sigurniji i u konačnici autonomni u sudjelovanju na cesti. Istraživanja tržišta osiguranja i prisutnih društava može se utvrditi se da je industrija osiguranja u Republici Hrvatskoj trenutno zaostaje na digitalnim inovacijama i digitalnom pristupu kod ugovaranja polica osiguranja te da se osiguravajuća društva tek trebaju okrenuti digitalnom modelu i da na tržištu postoji značajan digitalni segment klijenta koji se mogu prikloniti ugovaranju polica osiguranja putem digitalne platforme, što je naročito pristupno od ugovaranja polica automobilske odgovornosti. Osiguravajuća društva trebaju u svoje poslovanje postaviti kao strategiju novi alternativni kanal prodaje, razradi strategiju digitalizacije i digitalnog pristupa, promijeniti odnos prema klijentima u smislu boljeg pozicioniranja svojih proizvoda u odnosu na segmentaciju klijenta, implementirati nove tehnologije u poslovanje društva i povezivanje s tehnološkim partnerima koji mogu donijeti veliki set podataka koji će se koristiti za novi cjenovni pristup i selekciju rizika te biti prisutan kod regulatornog planiranja i određivanja pravila za dolazak autonomnih vozila na ceste i upravljanjem zaštitom osobnih podatka klijenata, koji će se koristiti u modelu stvaranja novog proizvoda. Prihvatom novih tehnologija i novih modela u načinu ugovaranja polica osiguranja treba započeti što prije kako bi se s jedne strane preduhitrilo konkurenciju, a s druge proširio portfelj klijenta i realizirala dodana premija osiguranja koja će dugoročno generirati osiguravajućem društvu veću bruto premiju i dugovječno osigurati pozivno poslovanje.

Abstract (english)

The work analyzes the development and perspective of new technological solutions in the insurance of motor vehicles, and research and the setting up of the new concept DRIVE.SAFE as a model of a digital platform for insurance. The aim of the work is to show how it is necessary to accept new available technologies and to exploit the full potential that technology offers in the way of disturbance and conclusion of contracts in insurance in today's world and the use of technology by the development of the auto industry that produces and creates cars that will be safer and ultimately autonomous in participation on the road. Research of the insurance market and the present companies, it can be determine that the insurance industry in the Republic of Croatia is currently lagging behind in digital innovations and the digital approach to contracting insurance policies, and that insurance companies have yet to turn to the digital model and that there is a significant digital client segment on the market that can be inclined to take out insurance policies through a digital platform, which is especially accessible from contracting automobile liability policies Insurance companies should set a new alternative sales channel as a strategy in their business, develop a digitalization and digital access strategy, change their relationship with clients in terms of better positioning of their products in relation to client segmentation, implement new technologies in the company's business and connect with technological partners who can bring a large set of data that will be used for a new pricing approach and risk selection and be present in regulatory planning and determining the rules for the arrival of autonomous vehicles on the roads and managing the protection of clients' personal data, which will be used in the new product creation model. The acceptance of new technologies and new models in the way of contracting insurance policies should be started as soon as possible in order to, on the one hand, get ahead of the competition, and on the other hand, to expand the client's portfolio and realize an added insurance premium, which will generate a higher gross premium for the insurance company in the long term and ensure a long-term call business.

• Keywords: DRIVE.SAFE; digitalna platforma; autonomna vozila; PAYD; tržište osiguranja; segmentacija klijenata; automobilska odgovornost
• Keywords (english): DRIVE.SAFE; digital platform; autonomous vehicles; PAYD; insurance market; customer segmentation; automobile liability
• Language: croatian
• URN:NBN: urn:nbn:hr:168:220485
• Study programme: Title: INSURTECH; Study programme type: university; Study level: postgraduate specialist; Academic / professional title: sveučilišni/a specijalist/specijalistica digitalnih inovacija i tehnologija u osiguranju (sveučilišni/a specijalist/specijalistica digitalnih inovacija i tehnologija u osiguranju)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2023-03-31 09:14:05