Insurance premium setting system
This insurance premium setting system sets an insurance premium for obtaining compensation for the breakdown of a working machine, when the working machine is rented out. The insurance premium setting system is provided with an insurance premium setting unit which sets the insurance premium on the basis of breakdown-related information which is related to the possibility of breakdown of the working machine, when a user uses the working machine. The breakdown-related information is working information on the working machine, and the insurance premium setting unit sets the insurance premium on the basis of the working information. The working information includes a working load of the working machine, and the insurance premium setting unit sets the insurance premium more expensively, as the working load becomes larger.
1. An insurance premium setting system that sets an insurance premium for obtaining compensation for breakdown of a working machine, when the working machine is rented, the insurance premium setting system comprising:
an insurance premium setting section configured to set the insurance premium based on breakdown-related information related to possibility of breakdown of the working machine when a user uses the working machine, wherein the working machine is configured to detect the breakdown-related information and transmit the breakdown-related information to the insurance premium setting system,
the insurance premium setting system further comprises an initial insurance premium setting section configured to set an initial insurance premium; and
a storage section configured to store the breakdown-related information transmitted from the working machine,
the insurance premium setting section sets the insurance premium according to a numerical formula: Y=Ya×α, where Y is the insurance premium, Ya is the reference insurance premium, and a is a performance coefficient,
the initial insurance premium set by the initial insurance premium setting section is used as the reference insurance premium during a first time of rental, and the insurance premium set during a last time of rental is used as the reference insurance premium during a second time of rental onwards, and
the performance coefficient is calculated based on the breakdown-related information stored in the storage section.
2. The insurance premium setting system according to claim 1 , wherein
the breakdown-related information is working information of the working machine, and
the insurance premium setting section sets the insurance premium based on the working information.
3. The insurance premium setting system according to claim 2 , wherein
the working information includes a working load of the working machine, and
the insurance premium setting section sets the insurance premium to a higher amount as the working load increases.
4. The insurance premium setting system according to claim 2 , wherein
the working information includes a continuous working time of the working machine, and
the insurance premium setting section sets the insurance premium to a higher amount as the continuous working time increases.
5. The insurance premium setting system according to claim 2 , wherein
the working information includes a cumulative working time of the working machine from an initial rental time of the user, and
the insurance premium setting section sets the insurance premium to a lower amount as the cumulative working time increases.
6. The insurance premium setting system according to claim 3 , wherein
the working load is specified based on a temperature of a motor driver controlling a motor of the working machine, a voltage of the motor driver, a number of occurrences of motor lock that stops rotation of the motor, a temperature of an engine of the working machine, a voltage of a battery of the working machine, or a number of occurrences of operation interlock that stops drive of the engine.
7. The insurance premium setting system according to claim 1 , wherein
the initial insurance premium setting section is configured to set the initial insurance premium based on a number of years of experience of the user using the working machine, and
the insurance premium setting section employs, as the reference insurance premium, the initial insurance premium set by the initial insurance premium setting section.
8. The insurance premium setting system according to claim 1 , wherein
the working machine comprises an authentication section configured to identify the user operating the working machine, and
the storage section stores information of the user identified by the authentication section, and the breakdown-related information, in association with each other.