Ant gold clothing first auto insurance points： make sure people buy auto insurance cheaper

On 25 may, Ant gold official announced that open to the insurance industry first" Auto insurance points" To ant gold clothing in big data, artificial intelligence, data modeling and other aspects of technology, for insurance companies to more accurately identify customer risk, more reasonable pricing, more efficient service to consumers to provide the basis。

Ant gold clothing said, auto insurance points can not only provide insurance companies with help, but also to protect the privacy and safety of users, Can let reliable people buy car insurance cheaper, at the same time let the insurance company can run healthy for a long time。

蚂蚁金服首推

Auto insurance points are similar to the ant credit points before, is accurate portrait of the owner and risk analysis of 300 - 700 scores, the higher the score, the lower the risk。

Low - risk owners generally have good driving habits, credit behavior。

In addition, the ant gold suit and insurance company also produced Occupational characteristics risk, identity risk, credit history, consumption habits, driving habits, stability level and other sub - labels。

Insurance companies in the case of user authorization, you can query the user's auto insurance standard points, or combined with their own data on the tag processing modeling, get their own auto insurance special points, so that according to the auto insurance points for more equitable auto insurance pricing, with reasonable prices to attract high-quality customers in。

At present, there are 9 insurance companies that have reached cooperation with ant auto insurance points, respectively: Picc property insurance, Pacific property insurance, national life insurance, China United, Taiping property insurance, land insurance, sunshine property insurance, Hua 'an property insurance, ansheng balance auto insurance。

Seven of these insurance companies are among the top ten in China's property insurance industry。

It is reported that according to personal identity, behavior habits to improve the accuracy of auto insurance pricing, in the United States and other international markets have been very mature technology。 Ant auto insurance points will be open to all willing and able to use auto insurance points to improve risk identification ability of the company, and will be free of charge in the early stage。

In addition to auto insurance points, Next month ant gold will also have an image-based insurance application open to the industry。

Public data show that in 2016 the country had 1. Five hundred million private car owners, involving 54 % of the family, but only 14 companies in the auto insurance industry auto insurance underwriting profit, 41 loss of the total loss of 6.3 billion yuan, the industry loss ratio of 75 %。

蚂蚁金服首推

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