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A Comparative Analysis of 30 Bonus-Malus Systems

Authors :
Jean Lemaire
Hongmin Zi
Source :
ASTIN Bulletin. 24:287-309
Publication Year :
1994
Publisher :
Cambridge University Press (CUP), 1994.

Abstract

The automobile third party insurance merit-rating systems of 22 countries are simulated and compared, using as main tools the stationary average premium level, the variability of the policyholders' payments, their elasticity with respect to the claim frequency, and the magnitude of the hunger for bonus. Principal components analysis is used to define an “Index of Toughness” for all systems.

Details

ISSN :
17831350 and 05150361
Volume :
24
Database :
OpenAIRE
Journal :
ASTIN Bulletin
Accession number :
edsair.doi...........8bc9aee0848a2aec317f8d8aaf5d01fd
Full Text :
https://doi.org/10.2143/ast.24.2.2005071