Estimation of claim numbers in automobile
insurance

Abstract. The use of bonus-malus systems in compulsory liability automobile insurance is a worldwide applied method for premium pricing. Considering certain assumptions, an interesting and crucial task is to evaluate the so called claims frequency regarding the individuals. Here we introduce 3 techniques, two is based on the bonus-malus class, and the third based on claims history. The article is devoted to choose the method, which fits to the frequency parameters the best for specific input parameters. For measuring the goodness-of-fit we will use scores, similar to better known divergence measures. The detailed method is also suitable to compare bonus-malus systems in the sense that how much information they contain about drivers.