SİGORTACILIK PİYASASINDA DİJİTALLEŞMEYE DOĞRU: TELEMATİK SİGORTA

Bilişim teknolojisinin yaygın olarak kullanıldığı dijital sigortacılık alanında yeni bir sigorta türü doğmuştur: telematik sigorta. Telematik sigorta, bağlantılı araç teknolojisini içeren telematik cihazlar yardımıyla sigortalıların gerçek zamanlı verilerini alıp, sigortalının riskinin tespitinde ve buna göre prim hesaplamasının yapılmasında önemli bir rol oynamaktadır. Söz konusu sigorta, kişiye özgü bilgilerin yanı sıra sürüş mesafesi, aracın kullanıldığı bölge, hızlanma ve fren durumları, aracın günün hangi saatinde kullanıldığı gibi sürücü davranışlarına ilişkin ve kullanıma dayalı (Usaged-Based Insurance, UBI) veriler üzerinden daha doğru ve adil bir fiyatlama imkânı sunmaktadır. Telematik sigorta, riskli ve risksiz sürücülerin ayırt edilmesinde, daha az riskli sürücülerin sigorta primlerinin azaltılmasında, sürücü alışkanlıkları değiştirilerek kişileri daha dikkatli araç kullanımına yönlendirmede, böylece maddi ve bedeni hasarlara yol açan kazaların sayısının azaltılmasında önemli bir etken oluşturmaktadır. Telematik sigorta türünün ülkemizde uygulanabilmesi için her bir sigorta şirketinin kendi alt yapısını kurmasından ziyade; uygulamanın, tüm sigortacılık verilerinin tek bir merkezde tutulduğu ve sigorta sektörünün kullanımına sunulduğu Sigorta Bilgi ve Gözetim Merkezi üzerinden yürütülmesi önerilmektedir. Dünya sigorta piyasalarında sunulmakta olan telematik sigortanın önümüzdeki dönemde öneminin ve payının gittikçe artacağı beklenmekte olup, ülkemiz sigortacılığında da bir an önce hayata geçirilmesinin önemli olduğu düşünülmektedir

TOWARDS DIGITALIZATION IN INSURANCE MARKET: TELEMATIC INSURANCE

A new type of insurance where information technology is widely used has emerged in the field of digital insurance: telematics insurance. By receiving the real-time data of the insured with the help of telematics devices containing car-connected technology, telematics insurance plays an important role in determining the risk of the insured and calculating the right premium accordingly. The insurance offers a more accurate and fair pricing opportunity based on usage behavior (Usaged-Based Insurance, UBI) data, such as driving distance, driving area, acceleration and braking conditions, what time of day the vehicle is used, as well as personal information. Telematics insurance is an important factor in distinguishing risky and non-risky drivers, reducing the insurance premiums of less risky drivers, changing the driver habits and directing people to more careful driving, thereby reducing the number of accidents that cause material and physical damage.For the telematic insurance to be implemented in our country, it is recommended that the ipplementation be carried out through the Insurance Information and Monitoring Center, where all insurance data is kept in one center and made available to the insurance market, rather than establishing insurance companies’ own infrastructure.

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