Application of digital ecosystems in transport insurance

Abstract

Any economic human activity to a certain extent involves various risks. The process of vehicle operation is associated with the risks of harm to third parties, damage to the vehicle as a result of a traffic accident and whether a natural disaster. The use of digital technologies, and especially digital ecosystems in particular, makes it possible to simplify the mechanism of interaction between the policyholder and the insurance company. The policyholder will have the opportunity on the official website of the insurance company to get acquainted with the features of this type of insurance and the conditions offered by this insurance company. The use of digital ecosystems makes it possible to abandon the services of insurance intermediaries to a certain extent, due to the fact that it will be possible to establish direct contact between customers and their insurer. The use of an electronic turnover document within the framework of digital ecosystems will make it possible to simplify the process of issuing an electronic policy by providing it in electronic form certified by the digital electronic signature of the insurer. The use of electronic document management within the framework of digital ecosystems will allow the insurance company to reduce the time for collecting documents for the payment of insurance compensation. The use of digital ecosystems in insurance creates opportunities for bringing the insurance business to a qualitatively higher level, due to the fact that digital ecosystems allow the use of highly productive digital technologies and the use of the communication capabilities of the Internet.