Keyword: «telematics»

The article deals with the application of insurance telematics services in Russia. The main functions of telematics and the possibility of applying telematic technologies in the insurance sphere are analyzed. The advantages and disadvantages of telematics insurance services provided by various Russian companies are considered.

The article deals with topical issues related to the prospects for the development of insurance, the implementation of the "smart insurance" approach as one of the areas of implementation of the concept of creating a financial ecosystem. The authors of the article conducted a study of the essence of "smart insurance" through the analysis of the possibilities of modern technologies, scenarios of their application and current trends in this area.

Currently, digital technologies are actively used in all business processes of insurers. digital technologies are most actively used in such business processes as marketing, development of insurance programs, underwriting, sales of insurance programs, maintenance of an insurance contract and settlement of insured events. They allow you to minimize losses, reduce fraud, offer better insurance products, and more.