Vehicle insurance system, vehicle dealer terminal, and vehicle sales method

A vehicle dealer terminal comprising:

• a computer;
• a connector for connecting a dealer tool;
• a vehicle information database;
• and
• a user information database, wherein
• the vehicle information database stores vehicle usage information related to each sold vehicle in association with a vehicle ID for identifying each vehicle, the vehicle usage information including a number of vehicle trips per unit period, a number of charging operations of a vehicle-mounted power storage device per unit period, and a ratio of a time for which an SOC of a vehicle-mounted power storage device is a predetermined value or more in an inactive period,
• the user information database stores user information related to each user who purchases a vehicle in association with a user ID for identifying each user, the user information indicating a vehicle to be insured, a period to be insured, and an insurance rank of a user
• the computer is configured to
• determine, when a subject vehicle including a power storage device is sold, an insurance premium for a subject period of the subject vehicle,
• bill for the determined insurance premium,
• register the subject vehicle as the vehicle to be insured and the subject period as the period to be insured in the user information database when the determined insurance premium is paid,
• acquire the vehicle usage information from the dealer tool connected to the connector, and update the vehicle information database based on the acquired vehicle usage information,
• determine the insurance rank of a purchaser of the subject vehicle based on at least two from among the number of vehicle trips per unit period, the number of charging operations of a vehicle-mounted power storage device per unit period, and the ratio of a time for which an SOC of a vehicle-mounted power storage device is a predetermined value or more in an inactive period of the subject vehicle before expiration of the subject period, and
• update the user information database based on the determined insurance rank,
• determine a renewal fee for extending the subject period based on the insurance rank of the purchaser,
• bill for the determined renewal fee,
• extend the subject period when the determined renewal fee is paid before expiration of the subject period, and
• determine, when the subject vehicle is sold within the subject period, an insurance benefit compensating for at least a part of a loss of asset value of the power storage device due to degradation of the power storage device of the subject vehicle.

A vehicle insurance system comprising:

• a vehicle dealer terminal including a computer;
• and
• a server, wherein
• the server is configured to receive vehicle usage information from each registered vehicle by wireless communication, the vehicle usage information including a number of vehicle trips per unit period, a number of charging operations of a vehicle-mounted power storage device per unit period, and a ratio of a time for which an SOC of a vehicle-mounted power storage device is a predetermined value or more to an inactive period,
• the server is configured to rank a user of the registered vehicle based on at least two from among the number of vehicle trips per unit period, the number of charging operations of a vehicle-mounted power storage device per unit period, and the ratio of a time for which an SOC of a vehicle-mounted power storage device is a predetermined value or more to an inactive period, and store an insurance rank of the user as a result of ranking,
• the server is configured to transmit rank the insurance rank to the vehicle dealer terminal in response to a request from the vehicle dealer terminal,
• the vehicle dealer terminal is configured to
• determine, when a subject vehicle including a power storage device is sold, an insurance premium for a subject period of the subject vehicle,
• bill for the determined insurance premium,
• register the subject vehicle as a vehicle to be insured and the subject period as a period to be insured when the determined insurance premium is paid,
• receive the insurance rank of a purchaser of the subject vehicle from the server before expiration of the subject period,
• determine a renewal fee for extending the subject period based on the insurance rank of the purchaser,
• bill for the determined renewal fee,
• extend the subject period when the determined renewal fee is paid before expiration of the subject period, and
• determine, when the subject vehicle is sold within the subject period, an insurance benefit compensating for at least a part of a loss of asset value of the power storage device due to degradation of the power storage device of the subject vehicle.