{ "id": 4053, "date": "2021-06-05T11:35:57", "date_gmt": "2021-06-05T11:35:57", "guid": { "rendered": "https:\/\/detralytics.com\/?p=4053" }, "modified": "2026-06-22T14:45:59", "modified_gmt": "2026-06-22T14:45:59", "slug": "tarification-dexperience-sur-statistiques-sinistres-ecretees", "status": "publish", "type": "post", "link": "https:\/\/detralytics.com\/en\/publications\/tarification-dexperience-sur-statistiques-sinistres-ecretees\/", "title": { "rendered": "Tarification d’exp\u00e9rience sur statistiques sinistres \u00e9cr\u00eat\u00e9es" }, "content": { "rendered": "
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Tarification d'exp\u00e9rience sur statistiques sinistres \u00e9cr\u00eat\u00e9es<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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DetraNote 2021-3<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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La th\u00e9orie de la cr\u00e9dibilit\u00e9 est principalement utilis\u00e9e dans le cadre de la tarification des contrats d’assurance accidents du travail ou responsabilit\u00e9 civile B2B. La pr\u00e9sence de grands sinistres pose cependant un probl\u00e8me en pratique, causant une brusque augmentation de la prime lors de leur survenance et menant \u00e0 une sous-estimation des facteurs de cr\u00e9dibilit\u00e9. Cette note fournit un mod\u00e8le technique objectivant cette analyse ainsi qu\u2019une \u00e9tude de cas sur un portefeuille d\u2019assurance responsabilit\u00e9 civile B2B.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Sector: <\/b>Insurance<\/p>

<\/b>Expertise: <\/b>Pricing<\/p>

Authors:<\/b> Carole Bettonville,<\/p>

Michel Denuit, Florent Dubus et<\/p>

Julien Trufin<\/p>

Publisher:<\/b> Detralytics<\/p>

Date:<\/b> June 2021<\/p>

Language:<\/b> French<\/p>

Pages:<\/b> 21<\/p>

Reference :<\/b> Detra Note 2021-3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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About the authors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Caroline Bettonville<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Carole is a Freelance Expert at Detralytics. During her various missions, Carole has worked on various fields such as calibration of lapse rate and mortality models and a project as part of the IFRS 17 framework, aiming at identifying a Best Estimate allocation key based on some claims characteristics. Prior to joining Detralytics, Carole worked as an intern at Axa Belgium.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Michel\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Michel is a Scientific Advisor at Detralytics, as well as a professor in actuarial science at the Universit\u00e9 Catholique de Louvain. He has international experience as a visiting professor, and has promoted many projects in collaboration with the industry. At Detralytics, Michel coaches young talents, provides cutting-edge training, fosters innovation and oversees R&D projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Florent Dubus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Florent used to work at Detralytics as an actuarial consultant. He now works as an actuarial function & risk management analyst at Yuzzu.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Julien\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Julien is a Scientific Advisor at Detralytics, as well as a professor in Actuarial Science at the department of mathematics of the Universit\u00e9 Libre de Bruxelles. Julien has experience as a consultant and a strong academic background developed at prominent institutions, including Universit\u00e9 Laval (Canada), UCL, and ULB (Belgium). At Detralytics, Julien coaches young talents, provide cutting-edge training, fosters innovation and oversees R&D projects.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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This article proposes an alternative to standard pricing methods based on physics-inspired neural networks (PINNs)…<\/p>", "protected": false }, "author": 1, "featured_media": 4058, "comment_status": "closed", "ping_status": "open", "sticky": false, "template": "", "format": "standard", "meta": { "footnotes": "" }, "categories": [ 137, 133 ], "tags": [ 131 ], "class_list": [ "post-4053", "post", "type-post", "status-publish", "format-standard", "has-post-thumbnail", "hentry", "category-137", "category-publications", "tag-detranote" ], "yoast_head": "\nDetra Note : Tarification d'exp\u00e9rience<\/title>\n<meta name=\"description\" content=\"Cette note fournit un mod\u00e8le technique objectivant cette analyse ainsi qu\u2019une \u00e9tude de cas sur un portefeuille d\u2019assurance responsabilit\u00e9 civile B2B.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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