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Are Sensor Based Business Models a Threat to Privacy? The Case Of Pay-How-You-Drive Insurance Models

Roth, Christian ; Aringer, Sebastian ; Petersen, Johannes ; Nitschke, Mirja



Abstract

Ubiquitous computing has also reached the insurance indus-try in the form of Usage Based Insurance models. Modern rates use sensordata to offer the user suitable pricing models adapted to his character.Our overview shows that insurance companies generally rely on drivingbehaviour to assess a user in risk categories. Based on the collected data,a new attack using kNN-DTW shows that, with ...

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