In Indonesia, the insurance premium (premium rate) is determined based on the intrinsic value of the vehicle itself, from the start of the production year to the operating area of the vehicle.
The older a vehicle, the premium to be paid will be higher. Even when the vehicle is operating in an area that is considered to have a high insurance ratio claim (many people who filed a claim).
L. Iwan Pranoto, Head of Communication and Event of Astra Insurance, said that it is possible to calculate the premium based on the behavior and identity of the driver (the insured).
For example, a premium count is also determined based on how often the insured is caught breaking traffic. The more often a person gets caught offense, the higher the premium will be.
According to insurance premiums based on behavior can only be done if there is regulation for it, as well as adequate infrastructure and technology.
Infrastructure in question, such as a speed sensor or CCTV camera that can identify the offender. While technology, more to features in the car that can "record" the driving behavior of people.