| IDpol |
The policy ID |
Used to join observations in the frequency and severity datasets |
| ClaimAmount |
The cost of the claim, seen as at a recent date |
Response variable |
| Exposure |
The period of exposure for a policy, in years |
Used to weigh observations for GLM |
| VehPower |
The power of the car (ordered values) |
Predictor |
| VehAge |
The vehicle age, in years |
Predictor |
| DrivAge |
The driver age, in years |
Predictor |
| BonusMalus |
Bonus/malus, between 50 and 350: <100 means bonus, >100 means malus in France |
Predictor |
| VehBrand |
The car brand |
Predictor |
| VehGas |
The car gas, Diesel or regular |
Predictor |
| Area |
The density value of the city community where the car driver lives in: from âAâ for rural area to âFâ for urban center |
Predictor |
| Density |
The density of inhabitants (number of inhabitants per square-kilometer) of the city where the car driver lives in |
Predictor |
| Region |
The policy region in France (based on the 1970-2015 classification) |
Predictor |