The Politics of Road transport InsuraNCE (PRINCE)

道路运输保险的政治 (PRINCE)

• 批准号: ES/W002108/1
• 负责人: Johannes Kester
• 金额: $ 30.9万
• 依托单位: University of Oxford
• 依托单位国家: 英国
• 项目类别: Research Grant
• 财政年份: 2022
• 资助国家: 英国
• 起止时间: 2022 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=ES%2FW002108%2F1
• 关键词: Politics; Road; transport; InsuraNCE; PRINCE

This project studies the role of insurance in the transition of road transport: a systemic transformation of our mobility following changes and innovations in technology, user practices, policy, knowledge and business models.From an insurance perspective four developments stand out. (1) The growing availability of mobility data from increasingly real-time sensor data from vehicles, infrastructure, cameras, etc. (2) The automation and increasing connectivity of vehicles that shift liability from drivers and operators to automated and connected driving systems. (3) The electrification of vehicles, which adds new (fire) risks and cost calculations. And (4) the new (shared) forms of mobility that emerge around e-scooters, (private) car-sharing and ride-hailing services.There is a need to govern these trends as they come with new opportunities and risks to transport climate emission targets, road-safety, urban planning and accessibility. There is also a need to understand how insurers respond to these innovations that affect their whole business: from their risk analyses, product development and liability all the way to a potential shrinking of the overall market.These two needs are closely interrelated. The disciplines that study the insurance aspects of these developments, like law, transport and underwriting, typically do so with the goal to improve and optimize insurance assessments, products and premiums. Missing from this work is the insight from critical security studies (CSS) that insurance acts as a form of governance. For example, people who cannot afford or are rejected for insurance are legally excluded from driving a car in most developed countries. Similarly, insurers actively use premiums to guide 'risky' people, often young drivers, to drive more carefully. Insurance thus helps direct mobility, which implies that there is a direct link between how insurance is organized internally and how these aforementioned trends are governed socially.CSS offers this insight based on its study of the role that security plays in society. A core argument in CSS is that how people do security or insurance, not just whether people are secure or insured, is important because such acts and decisions inherently have discriminatory effects: they differentiate between those with and without protection and distribute resources accordingly. CSS thus asks why certain technologies, activities or behaviours are considered risky at certain times and places. This is an important question, because the four developments offer an opportunity to understand how insurers observe, learn and adapt their old routines to these new developments. Developments on which they have no or little data, statistical models, terms and conditions or claims handling processes.The aim of PRINCE is therefore to understand to what extent and how road transport insurance practices are affected by and affecting the above four developments in road transport. The first objective is to collect, classify, analyse and share recent information on the way road transport insurance practices are affected by and affecting the above listed trends. Over the course of 18 months, the project will conduct an academic literature review, a systematic empirical and legal document analysis and up to 75 stakeholder interviews across three carefully selected cases (the United Kingdom, Germany and the Netherlands), organize workshops and distribute the findings. This will be accomplished with the help of a research associate, as the second aim and objective are for the investigator to gain the skills and experience to lead his own future research teams.In short, this project generates a deeper understanding of the role that insurance plays as a form of governance of a more sustainable road transport system while offering an updated empirical overview of how insurance deals with fast-changing transport innovations.

该项目研究了保险在道路运输过渡中的作用：在技术，用户实践，政策，知识和商业模型的变化和创新之后，我们的流动性的系统性转变。 （1）来自车辆，基础设施，相机等越来越多的实时传感器数据的流动性数据的可用性日益增长。 （3）车辆的电气化增加了新的（火）风险和成本计算。 （4）围绕电子驾驶员，（私人）汽车共享和乘车服务出现的新的（共享）形式的移动性。有必要管理这些趋势，因为它们带来了新的机会和风险来运输气候排放目标，公路安全，城市规划和可及性。还需要了解保险公司如何应对影响整个业务的这些创新：从他们的风险分析，产品开发和责任一直到潜在的整体市场缩水。这两个需求紧密相关。研究这些发展的保险方面的学科，例如法律，运输和承保，通常是为了改善和优化保险评估，产品和保费的目标。这项工作缺少的是关键安全研究（CSS）的见解，保险是一种治理形式。例如，在大多数发达国家，无法负担或被拒绝保险的人被法律排除在驾驶汽车之外。同样，保险公司会积极使用保费来指导“冒险”的人，通常是年轻的驾驶员，以更加谨慎地驾驶。因此，保险有助于直接流动性，这意味着在内部组织保险的组织方式与这些上述趋势如何受到社会管理之间存在直接联系。CSS根据其对安全在社会中安全作用的研究提供了这种见解。 CSS中的核心论点是，人们如何进行安全或保险，而不仅仅是人们是否安全或保险，这很重要，因为这种行为和决定固有地具有歧视性效果：它们区分有和没有保护的人并相应地分配资源。因此，CSS询问为什么某些技术，活动或行为在某些时间和地点被认为是冒险的。这是一个重要的问题，因为这四个发展提供了一个机会，可以了解保险公司如何观察，学习和使其旧例程适应这些新发展。因此，他们没有数据，统计模型，条款和条件或索赔处理流程的发展，王子的目的是了解道路运输保险惯例在多大程度上以及如何受到公路运输中四个发展的影响和影响。第一个目标是收集，分类，分析和分享有关道路运输保险实践受到上述趋势影响和影响的最新信息。在18个月的时间里，该项目将进行学术文献综述，系统的经验和法律文档分析，并在三个精心挑选的案件（英国，德国和荷兰）进行了多达75个利益相关者的访谈，组织研讨会并分发发现。这将在研究助理的帮助下实现，因为第二个目标和目标是使研究人员获得领导自己未来的研究团队的技能和经验。简而言之，该项目对保险作为一种更可持续的公路运输系统的治理形式产生了更深入的了解，同时可以对保险进行更新的交通运输方式进行更新的经验概述，以与快速交通交易的方式交易。