The use of behavioural data in insurance is loaded with promises and unresolved issues. This paper explores the related opportunities and challenges analysing the use of telematics data in third-party liability motor insurance. Behavioural data are used not only to refine the risk profile of policyholders, but also to implement innovative coaching strategies, feeding back to the drivers the aggregated information obtained from the data. The purpose is to encourage an improvement in their driving style. Our research explores the effectiveness of coaching on the basis of an empirical investigation of the dataset of a company selling telematics motor insurance policies. The results of our quantitative analysis show that this effectiveness crucially depends on the propensity of policyholders to engage with the telematics app. We observe engagement as an additional kind of behaviour, producing second-order behavioural data that can also be recorded and strategically used by insurance companies. The conclusions discuss potential advantages and risks connected with this extended interpretation of behavioural data.

翻译：保险中行为数据的应用充满了希望与未解难题。本文探讨了在第三方责任机动车保险中使用远程信息处理数据的相关机遇与挑战。行为数据不仅用于细化投保人的风险特征，还可用于实施创新的指导策略，将数据分析得出的汇总信息反馈给驾驶员，旨在鼓励其改善驾驶风格。本研究基于一家销售远程信息处理车险保单公司的数据集进行实证调查，探究指导策略的有效性。量化分析结果表明，这种有效性关键取决于投保人使用远程信息处理应用的意愿。我们将这一使用行为视为一种额外行为，由此产生的二阶行为数据同样可被保险公司记录并策略性地运用。结论部分讨论了这种对行为数据扩展解释所涉及的潜在优势与风险。