{"@context":"https://neupai.io/schema/v0.2","@type":"StructuredNewsArticle","identity":{"article_id":"tech42_20260511_insurance-telematics-data-privacy","canonical_url":"https://www.tech42.co.kr/%eb%b3%b4%ed%97%98%ec%82%ac-%eb%8b%b9%ec%8b%a0%ec%9d%98-%ec%9a%b4%ec%a0%84-%ec%8a%b5%ea%b4%80-%ea%b0%90%ec%8b%9c%ed%95%9c%eb%8b%a4%eb%8d%b0%ec%9d%b4%ed%84%b0-%ea%b8%b0%eb%b0%98-%eb%b3%b4/?utm_source=rss&utm_medium=rss&utm_campaign=%25eb%25b3%25b4%25ed%2597%2598%25ec%2582%25ac-%25eb%258b%25b9%25ec%258b%25a0%25ec%259d%2598-%25ec%259a%25b4%25ec%25a0%2584-%25ec%258a%25b5%25ea%25b4%2580-%25ea%25b0%2590%25ec%258b%259c%25ed%2595%259c%25eb%258b%25a4%25eb%258d%25b0%25ec%259d%25b4%25ed%2584%25b0-%25ea%25b8%25b0%25eb%25b0%2598-%25eb%25b3%25b4","ai_url":null,"publisher":{"name":"테크42","domain":"tech42.co.kr","type":"online"},"author":"김광우 기자","published_at":"2026-05-11T23:00:00.000Z","updated_at":null,"language":"en","article_type":"analysis","originality":"self_produced"},"content":{"headline":"Insurers Monitor Your Driving Habits... Is Data-Based Insurance Premium 'Fair'?","summary":"Nine out of ten new cars in Korea are equipped with telematics to collect driving data in real-time, and this information is operating as a key variable in insurance premium calculations. Concerns are being raised about the transparency and fairness of data-based insurance premium systems.","topics":["insurance","telematics","data privacy","automotive","ai"],"geography":["KR","US","DE","IT","GB","JP"],"entities":[{"name":"Korea Insurance Development Institute","canonical_id":"org:kr:korea-insurance-development-institute","type":"organization","role_in_article":"primary_subject","metadata":{"ticker":null,"parent":null}},{"name":"Financial Services Commission","canonical_id":"org:kr:financial-services-commission","type":"organization","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"KB Insurance","canonical_id":"corp:kr:kb-insurance","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"DB Insurance","canonical_id":"corp:kr:db-insurance","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Carrot General Insurance","canonical_id":"corp:kr:carrot-general-insurance","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"General Motors","canonical_id":"corp:us:general-motors","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Toss","canonical_id":"corp:kr:viva-republica","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Kakao Pay","canonical_id":"corp:kr:kakaopay","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Hyundai Marine & Fire Insurance","canonical_id":"corp:kr:hyundai-marine-fire-insurance","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Personal Information Protection Commission","canonical_id":"org:kr:personal-information-protection-commission","type":"organization","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Korea Insurance Research Institute","canonical_id":"org:kr:korea-insurance-research-institute","type":"organization","role_in_article":"source","metadata":{"ticker":null,"parent":null}},{"name":"UK Financial Conduct Authority","canonical_id":"org:gb:financial-conduct-authority","type":"organization","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Financial Supervisory Service","canonical_id":"org:kr:financial-supervisory-service","type":"organization","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Sam Abuelsamid","canonical_id":"person:us:sam-abuelsamid","type":"person","role_in_article":"quoted","metadata":{"ticker":null,"parent":null}}],"claims":[{"id":"c1","statement":"Nine out of ten new cars are already equipped with telematics","as_of":"2026","as_of_explicit":false,"as_of_raw":"currently","source_type":"journalist_analysis","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c2","statement":"KB Insurance provides a maximum discount of 27.8% for conditions of 95 points or higher and under 29 years old","as_of":"2026","as_of_explicit":false,"as_of_raw":"currently","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c3","statement":"DB Insurance provides a maximum discount of 28.4% under the same conditions","as_of":"2026","as_of_explicit":false,"as_of_raw":"currently","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c4","statement":"About 90% of new cars currently on the road are collecting driver behavior data","as_of":"2026","as_of_explicit":false,"as_of_raw":"currently","source_type":"research_paper","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c5","statement":"The Personal Information Protection Commission imposed a total of ₩9.2 billion in fines on four insurance companies","as_of":"2026","as_of_explicit":false,"as_of_raw":"recently","source_type":"government_official","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c6","statement":"As of 2018, the average personal auto insurance premiums were ₩895,000 in the US, ₩718,000 in the UK, ₩706,000 in Germany, ₩635,000 in Korea, and ₩521,000 in Japan","as_of":"2018","as_of_explicit":true,"as_of_raw":"as of 2018","source_type":"research_paper","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c7","statement":"From 2011 to 2019, Korea's per-vehicle claim costs increased by an annual average of 1.6%, but the average insurance premium increase rate was only 0.2%","as_of":"2019","as_of_explicit":true,"as_of_raw":"from 2011 to 2019","source_type":"research_paper","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null}],"ai_emotional_context":{"valence":0,"arousal":0,"primary_emotions":[],"secondary_emotions":[],"emotional_triggers":[]}},"provenance":{"source_chain":["primary_reporting"],"original_source_url":null,"related_articles":[]},"temporal":{"freshness":"recent","next_update_expected":null},"access":{"license":"neupai_standard","attribution_required":true,"structured_data":"free","full_text_available":false,"full_text_access":null}}