We analyze real telematics information for a sample of drivers with usage-based insurance policies. We examine the statistical distribution of distance driven above the posted speed limit – which presents a strong positive asymmetry – using quantile regression models. We find that, at different percentile levels, the distance driven at speeds above the posted limit depends on total distance driven and, more generally, on such factors as the percentages of urban and nighttime driving and on the driver’s gender. However, the impact of these covariates differs according to the percentile level. We stress the importance of understanding telematics information, which should not be limited to simply characterizing average drivers, but can be useful for signaling dangerous driving by predicting quantiles associated with specific driver characteristics. We conclude that the risk of driving long distances above the speed limit is heterogeneous and, moreover, we show that prevention campaigns should target primarily male, non-urban drivers, especially if they present a high percentage of nighttime driving.

The purpose of this paper is to evaluate the acceptance and the utilization of GPS/GPRS-based telematics technology in road transport companies registered in Poland. Telematics technologies are essential for management of energy saving and emissions reduction in road transport. It is in line with the European Union policy of sustainable transportation. The evaluation is based on a survey designed and carried out in 2020. The issues concerning the scope of telematics systems utilization as well as the internal and external factors affecting their use are analysed. The methodology is based on Technology Acceptance Model (TAM) and Structural Equation Modelling (SEM). The results are checked for robustness. Based on the results, it can be reasoned that as a result of the COVID19 pandemic, the companies started to use telematics systems more widely than they did before. Furthermore, the companies employing more people recognize the higher usefulness of telematics systems and are motivated to have the systems more than smaller enterprises; however, TAMs estimated separately for small and medium-sized enterprises did not reveal any significant differences in the parameter estimates.

This article describes techniques employed in the production of a synthetic dataset of driver telematics emulated from a similar real insurance dataset. The synthetic dataset generated has 100,000 policies that included observations about driver’s claims experience together with associated classical risk variables and telematics-related variables. This work is aimed to produce a resource that can be used to advance models to assess risks for usage-based insurance. It follows a three-stage process using machine learning algorithms. The first stage is simulating values for the number of claims as multiple binary classifications applying feedforward neural networks. The second stage is simulating values for aggregated amount of claims as regression using feedforward neural networks, with number of claims included in the set of feature variables. In the final stage, a synthetic portfolio of the space of feature variables is generated applying an extended SMOTE algorithm. The resulting dataset is evaluated by comparing the synthetic and real datasets when Poisson and gamma regression models are fitted to the respective data. Other visualization and data summarization produce remarkable similar statistics between the two datasets. We hope that researchers interested in obtaining telematics datasets to calibrate models or learning algorithms will find our work valuable.