considerados y tramos de edad. = The study of the premium risk in the car insurance is really important because the insurance … market is very competitive. In this article we show a bonus-malus method of risk premiums. To do this, we use the Functional … applying the bonus-malus method that we have given, we are able to obtain the premium risk for different profiles and age …

have to take risk and cost into account when pricing car insurance policies in order to design new products to cover the … risk of private use of cars. In this paper we use data from 80,000 car insurance policies in order to assess, once risk and …