Trip-based vehicle insurance

摘要

Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.

主权项

1. A computer-implemented method for offering vehicle insurance for a vehicle, comprising:
receiving, at one or more processors, a vehicle identifier that identifies the vehicle and a vehicle operator identifier that identifies a vehicle operator; determining, by one or more processors configured to implement a cost determination routine, a cost per vehicle use unit based at least in part on the vehicle identifier and the vehicle operator identifier, wherein the cost per vehicle use unit comprises a fixed cost per vehicle trip; generating, by one or more processors configured to implement a policy generation routine, at least one vehicle insurance policy based at least in part on the cost per vehicle use unit; providing, by one or more processors, an option to purchase the vehicle insurance policy to a customer associated with the vehicle; receiving, from a GPS unit, location data indicating one or more locations of the vehicle; and determining, by one or more processors, the occurrence of a vehicle trip based upon the received location data.