车辆使用强度

基于海量车联网数据，统计车辆年行驶里程和年平均车速，支撑新承保和续保客户的分级核保定价，一定程度改善新能源车险行业客户端保费高、险企端赔付率高等痛点问题，服务新能源汽车行业的健康发展。

This dataset leverages massive Internet of Vehicles (IoV) data to statistically calculate the annual driving mileage and average annual speed of vehicles. It supports tiered underwriting pricing for newly insured and renewing policyholders, and to a certain extent alleviates the pain points in the new energy vehicle (NEV) insurance industry, including high premiums for clients and high loss ratios for insurance companies, thus facilitating the healthy development of the new energy vehicle industry.

搜集汇总

背景与挑战

背景概述

该数据集名为'车辆使用强度'，基于海量车联网数据，统计沪牌新能源汽车的年行驶里程和年平均车速，主要用于新能源汽车保险的分级核保定价。数据更新频率为每月，覆盖范围限定于沪牌新能源汽车，应用场景包括金融服务和交通运输。