An On-Board Equipment and Blockchain-Based Automobile Insurance and Maintenance Platform

This study provides a forward-looking usage-based automobile blockchain platform on the Internet of Vehicles network, describing the possible stakeholders, services, and their interaction modes. Most existing UBI (Usage-Based Insurance) products use the drivers’ driving distance, driving time, or driving area as premium calculating standard. If driving data are recorded on the blockchain to take usage-based automobile insurance, it could bring more additional services such as automatic claiming, improvement of traffic adjudication’s quality, and preventive maintenance. The feasibility of this platform will discuss the configuration of the blockchain and related management or privacy issues to explain how this research can improve the existing limitation of usage-based automobile insurance.

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