French Motor Personal Line datasets
freMPL.RdThis collection of ten datasets comes from a private motor French insurer. Each dataset includes risk features, claim amount and claim history of around 30,000 policies for year 2004.
Format
For this collection of dataset, possible variables are given below.
freMPL1-10 contains claim severity and frequency information.
The following tabular gives the list of variables by file.
freMPL1sub is a subset of freMPL1 with exposure closed to 1:
rownames of freMPL1sub are extracted rownames of freMPL1.
| freMPL1 | freMPL2 | freMPL3 | freMPL4 | freMPL5 | freMPL6 | freMPL7 | freMPL8 | freMPL9 | freMPL10 | |
| Exposure | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| LicAge | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| RecordBeg | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| RecordEnd | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| VehAge | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 |
| Gender | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| MariStat | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| SocioCateg | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| VehUsage | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| DrivAge | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| HasKmLimit | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| BonusMalus | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| VehBody | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| VehPrice | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| VehEngine | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| VehEnergy | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| VehMaxSpeed | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| VehClass | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| ClaimAmount | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| RiskVar | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Garage | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| ClaimInd | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| DeducType | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| ClaimNbResp | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| ClaimNbNonResp | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| ClaimNbParking | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| ClaimNbFireTheft | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| ClaimNbWindscreen | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| OutUseNb | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| RiskArea | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
The comprehensive list of the variables (over all datasets) is given below, yet no dataset contains all these variables.
ExposureThe exposure, in years.
RecordBegBeginning date of record.
RecordEndEnd date of record.
DrivAgeThe driver age, in years (in France, people can drive a car at 18).
LicAgeThe driving licence age, in months.
GenderThe gender, either
"Male"or"Female".MariStatThe marital status, either
"Alone"or"Other".SocioCategThe social category known as CSP in France, between
"CSP1"and"CSP99".GarageThe garage, if any, among
"Collective garage","None","Private garage".HasKmLimitA numeric, 1 if there is a km limit for the policy, 0 otherwise.
BonusMalusA numeric for the bonus/malus, between 50 and 350: <100 means bonus, >100 means malus in France.
VehAgeThe vehicle age, in years.
VehUsageThe vehicle usage among
"Private","Private+trip to office""Professional","Professional run".VehBodyThe vehicle body, among
"bus","cabriolet","coupe","microvan","other microvan","sedan","sport utility vehicle","station wagon","van".VehPriceThe category of the vehicle price from
"A"(cheapest) to"Z"(most expensive).VehEngineThe vehicle engine, among
"carburation","direct injection overpowered","electric","GPL","injection","injection overpowered".VehEnergyThe vehicle energy, among
"diesel","eletric","GPL","regular".VehMaxSpeedThe VehMaxSpeed, among
"1-130 km/h","130-140 km/h","140-150 km/h","150-160 km/h","160-170 km/h","170-180 km/h","180-190 km/h","190-200 km/h","200-220 km/h","220+ km/h".VehClassThe vehicle class (unknown categories), among
"0","A","B","H","M1","M2".RiskVarUnkonw risk variable between 1 and 20, possibly ordered.
DeducTypeDeductible type, among
"Majorized","Normal","Partially refunded","Proportional","Refunded".RiskAreaUnkonw risk area between 1 and 13, possibly ordered.
ClaimNbRespNumber of responsible claims in the 4 preceding years.
ClaimNbNonRespNumber of non-responsible claims in the 4 preceding years.
ClaimNbParkingNumber of parking claims in the 4 preceding years.
ClaimNbFireTheftNumber of fire-theft claims in the 4 preceding years.
ClaimNbWindscreenNumber of windscreen claims in the 4 preceding years.
OutUseNbNumber of out-of-use in the 4 preceding years.
ClaimAmountTotal claim amount of the guarantee.
ClaimIndClaim indicator of the guarantee. (this is not the claim number)
See also
For the vehicle body variable, see https://en.wikipedia.org/wiki/Car_classification
For the French bonus/malus, see https://en.wikipedia.org/wiki/Bonus-malus
For the French career categories, see https://fr.wikipedia.org/wiki/Professions_et_cat%C3%A9gories_socioprofessionnelles_en_France