{"id":7217,"date":"2026-04-07T12:00:29","date_gmt":"2026-04-07T12:00:29","guid":{"rendered":"https:\/\/detralytics.com\/?p=7217"},"modified":"2026-06-22T14:23:51","modified_gmt":"2026-06-22T14:23:51","slug":"actuarial-modeling-of-battery-insurance-for-electric-vehicles","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/","title":{"rendered":"Mod\u00e9lisation actuarielle de l'assurance des batteries pour v\u00e9hicules \u00e9lectriques"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7217\" class=\"elementor elementor-7217\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d174136 e-flex e-con-boxed e-con e-parent\" data-id=\"d174136\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8b5b0f elementor-widget elementor-widget-heading\" data-id=\"a8b5b0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mod\u00e9lisation actuarielle de l'assurance des batteries pour v\u00e9hicules \u00e9lectriques<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82e75aa elementor-widget elementor-widget-heading\" data-id=\"82e75aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Detra Note 2026-1<\/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<div class=\"elementor-element elementor-element-87f3931 e-flex e-con-boxed e-con e-parent\" data-id=\"87f3931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9aa7e1d e-con-full e-flex e-con e-child\" data-id=\"9aa7e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67f934f elementor-widget elementor-widget-image\" data-id=\"67f934f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Detra-Note-2026-1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"764\" height=\"1080\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1-764x1080.jpg\" class=\"elementor-animation-grow attachment-large size-large wp-image-7218\" alt=\"Actuarial modeling of battery insurance for electric vehicles\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1-764x1080.jpg 764w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1-768x1086.jpg 768w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1-1086x1536.jpg 1086w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1-8x12.jpg 8w, https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg 1240w\" sizes=\"(max-width: 764px) 100vw, 764px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\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 class=\"elementor-element elementor-element-420ffe4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"420ffe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Detra-Note-2026-1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-down\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm-32-316v116h-67c-10.7 0-16 12.9-8.5 20.5l99 99c4.7 4.7 12.3 4.7 17 0l99-99c7.6-7.6 2.2-20.5-8.5-20.5h-67V140c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">T\u00e9l\u00e9charger<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b46a15 elementor-widget elementor-widget-spacer\" data-id=\"6b46a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e62cc6 e-con-full e-flex e-con e-child\" data-id=\"2e62cc6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5d00b elementor-widget elementor-widget-heading\" data-id=\"fc5d00b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1e1dc7 elementor-widget elementor-widget-text-editor\" data-id=\"f1e1dc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"page\" title=\"Page 3\"><div class=\"layoutArea\"><div class=\"column\"><p class=\"p1\">Cet article d\u00e9veloppe un cadre stochastique pour mod\u00e9liser la d\u00e9gradation de la capacit\u00e9 des batteries, dans le but de concevoir des produits d\u2019assurance pour les v\u00e9hicules \u00e9lectriques. Le processus de d\u00e9gradation est d\u2019abord d\u00e9crit par un mouvement brownien avec d\u00e9rive, conduisant \u00e0 une distribution exploitable de la dur\u00e9e de vie d\u00e9finie comme le temps de premier passage sous un seuil de d\u00e9faillance. L\u2019h\u00e9t\u00e9rog\u00e9n\u00e9it\u00e9 entre les v\u00e9hicules est ensuite int\u00e9gr\u00e9e via des effets al\u00e9atoires refl\u00e9tant le type de batterie et les comportements individuels, induisant ainsi des corr\u00e9lations entre les temps de d\u00e9faillance analogues aux composantes syst\u00e9miques des mod\u00e8les de mortalit\u00e9. L\u2019approche propos\u00e9e met l\u2019accent sur la mod\u00e9lisation distributionnelle des dur\u00e9es de vie plut\u00f4t que sur la pr\u00e9diction en temps r\u00e9el, rapprochant ainsi l\u2019assurance des batteries des math\u00e9matiques traditionnelles de l\u2019assurance vie, tout en la distinguant d\u2019une grande partie de la litt\u00e9rature en ing\u00e9nierie consacr\u00e9e \u00e0 la dur\u00e9e de vie utile restante. Enfin, cette approche est illustr\u00e9e par un exemple num\u00e9rique simple r\u00e9alis\u00e9 \u00e0 partir de donn\u00e9es simul\u00e9es.<\/p><\/div><\/div><\/div><p><strong><span style=\"color: #097566;\">Mots-cl\u00e9s : <\/span><\/strong>Battery capacity, lifetime modeling, experience rating, credibility model.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f29719 e-con-full e-flex e-con e-child\" data-id=\"0f29719\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2952de9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2952de9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Secteur : <\/b>Assurance<\/p><p><b><\/b><b>Domaine : <\/b>Non-Vie<\/p><p><b>Auteurs : <\/b>Michel Denuit &amp; Julien Trufin<\/p><p><b>\u00c9diteur :<\/b> Detralytics<\/p><p><b>Date:<\/b> Avril 2026<\/p><p><b>Langue :<\/b> Anglais<\/p><p><b>Pages:<\/b> 19<\/p><p><b>R\u00e9f\u00e9rence :<\/b> Detra Note 2026-1<\/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<div class=\"elementor-element elementor-element-c6ae38d e-flex e-con-boxed e-con e-parent\" data-id=\"c6ae38d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04db66e elementor-widget elementor-widget-spacer\" data-id=\"04db66e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f183faa elementor-widget elementor-widget-heading\" data-id=\"f183faa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00c0 propos des auteurs<\/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<div class=\"elementor-element elementor-element-b455dd6 e-flex e-con-boxed e-con e-parent\" data-id=\"b455dd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-826b55c e-con-full e-flex e-con e-child\" data-id=\"826b55c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4936f2 elementor-widget elementor-widget-image\" data-id=\"a4936f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"501\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png\" class=\"attachment-large size-large wp-image-2059\" alt=\"Michel Denuit\" srcset=\"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond.png 500w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-400x400.png 400w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-150x150.png 150w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-100x100.png 100w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-250x250.png 250w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-320x320.png 320w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-146x146.png 146w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-50x50.png 50w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-75x75.png 75w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-85x85.png 85w, https:\/\/detralytics.com\/wp-content\/uploads\/2020\/12\/Michel_Rond-80x80.png 80w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\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<div class=\"elementor-element elementor-element-888af75 e-con-full e-flex e-con e-child\" data-id=\"888af75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b42de73 elementor-widget elementor-widget-heading\" data-id=\"b42de73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03f01f elementor-widget elementor-widget-text-editor\" data-id=\"c03f01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color\" style=\"color: #383838;\">Michel est conseiller scientifique chez Detralytics, ainsi que professeur en sciences actuarielles \u00e0 l\u2019Universit\u00e9 catholique de Louvain. Il dispose d\u2019une exp\u00e9rience internationale en tant que professeur invit\u00e9 et a men\u00e9 de nombreux projets en collaboration avec l\u2019industrie. Chez Detralytics, Michel accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&amp;D.<\/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<div class=\"elementor-element elementor-element-540e7a6 e-flex e-con-boxed e-con e-parent\" data-id=\"540e7a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8038061 e-con-full e-flex e-con e-child\" data-id=\"8038061\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f989f85 elementor-widget elementor-widget-image\" data-id=\"f989f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/detralytics.com\/wp-content\/uploads\/2025\/08\/Julien.png\" class=\"attachment-large size-large wp-image-5905\" alt=\"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<div class=\"elementor-element elementor-element-a1e38fb e-con-full e-flex e-con e-child\" data-id=\"a1e38fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fe5b4a elementor-widget elementor-widget-heading\" data-id=\"0fe5b4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Julien Trufin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25777f1 elementor-widget elementor-widget-text-editor\" data-id=\"25777f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"has-text-color has-link-color wp-elements-714ab650d57f678c143372ff2f9356f4\">Julien est Scientific Advisor chez Detralytics et Professeur en sciences actuarielles au sein du d\u00e9partement de math\u00e9matiques de l\u2019Universit\u00e9 Libre de Bruxelles. Il poss\u00e8de une exp\u00e9rience en tant que consultant et un solide parcours acad\u00e9mique d\u00e9velopp\u00e9 au sein d\u2019institutions de renom, dont l\u2019Universit\u00e9 Laval (Canada), l\u2019UCL et l\u2019ULB (Belgique). Chez Detralytics, Julien encadre les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&amp;D.<\/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<div class=\"elementor-element elementor-element-c8b894e e-flex e-con-boxed e-con e-parent\" data-id=\"c8b894e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdd2860 elementor-widget elementor-widget-spacer\" data-id=\"fdd2860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-1ad3d59 e-flex e-con-boxed e-con e-parent\" data-id=\"1ad3d59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fe9f7 elementor-widget elementor-widget-button\" data-id=\"71fe9f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/detralytics.com\/fr\/publications\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">All Publications<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>This paper develops a stochastic framework for modeling battery capacity degradation, with the aim of designing insurance products for electric vehicles. <\/p>","protected":false},"author":1,"featured_media":7218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158,133],"tags":[131,144],"class_list":["post-7217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-158","category-publications","tag-detranote","tag-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Detra Note : Actuarial modeling of battery insurance for electric vehicles<\/title>\n<meta name=\"description\" content=\"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/detralytics.com\/fr\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Detra Note : Actuarial modeling of battery insurance for electric vehicles\" \/>\n<meta property=\"og:description\" content=\"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/detralytics.com\/fr\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/\" \/>\n<meta property=\"og:site_name\" content=\"detralytics.com\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-07T12:00:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-22T14:23:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1240\" \/>\n\t<meta property=\"og:image:height\" content=\"1754\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Detralytics\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Detralytics\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/\"},\"author\":{\"name\":\"Detralytics\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/#\\\/schema\\\/person\\\/afceedbd1f9efae3aff3db243bb1890d\"},\"headline\":\"Actuarial modeling of battery insurance for electric vehicles\",\"datePublished\":\"2026-04-07T12:00:29+00:00\",\"dateModified\":\"2026-06-22T14:23:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/\"},\"wordCount\":312,\"publisher\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Cover-2026-1.jpg\",\"keywords\":[\"Detra Note\",\"News\"],\"articleSection\":[\"2026\",\"Publications\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/\",\"url\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/\",\"name\":\"Detra Note : Actuarial modeling of battery insurance for electric vehicles\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Cover-2026-1.jpg\",\"datePublished\":\"2026-04-07T12:00:29+00:00\",\"dateModified\":\"2026-06-22T14:23:51+00:00\",\"description\":\"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#primaryimage\",\"url\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Cover-2026-1.jpg\",\"contentUrl\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Cover-2026-1.jpg\",\"width\":1240,\"height\":1754,\"caption\":\"Actuarial modeling of battery insurance for electric vehicles\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/en\\\/publications\\\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/detralytics.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Actuarial modeling of battery insurance for electric vehicles\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/#website\",\"url\":\"https:\\\/\\\/detralytics.com\\\/\",\"name\":\"detralytics.com\",\"description\":\"People Drive Actuarial Innovation\",\"publisher\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/detralytics.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/#organization\",\"name\":\"Detralytics\",\"url\":\"https:\\\/\\\/detralytics.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/NEW-logo-detra.png\",\"contentUrl\":\"https:\\\/\\\/detralytics.com\\\/wp-content\\\/uploads\\\/2020\\\/04\\\/NEW-logo-detra.png\",\"width\":9329,\"height\":2348,\"caption\":\"Detralytics\"},\"image\":{\"@id\":\"https:\\\/\\\/detralytics.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/18195267\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/detralytics.com\\\/#\\\/schema\\\/person\\\/afceedbd1f9efae3aff3db243bb1890d\",\"name\":\"Detralytics\",\"url\":\"https:\\\/\\\/detralytics.com\\\/fr\\\/author\\\/admin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Detra Note : Actuarial modeling of battery insurance for electric vehicles","description":"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/detralytics.com\/fr\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/","og_locale":"fr_FR","og_type":"article","og_title":"Detra Note : Actuarial modeling of battery insurance for electric vehicles","og_description":"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.","og_url":"https:\/\/detralytics.com\/fr\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/","og_site_name":"detralytics.com","article_published_time":"2026-04-07T12:00:29+00:00","article_modified_time":"2026-06-22T14:23:51+00:00","og_image":[{"width":1240,"height":1754,"url":"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg","type":"image\/jpeg"}],"author":"Detralytics","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Detralytics","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#article","isPartOf":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/"},"author":{"name":"Detralytics","@id":"https:\/\/detralytics.com\/#\/schema\/person\/afceedbd1f9efae3aff3db243bb1890d"},"headline":"Actuarial modeling of battery insurance for electric vehicles","datePublished":"2026-04-07T12:00:29+00:00","dateModified":"2026-06-22T14:23:51+00:00","mainEntityOfPage":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/"},"wordCount":312,"publisher":{"@id":"https:\/\/detralytics.com\/#organization"},"image":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#primaryimage"},"thumbnailUrl":"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg","keywords":["Detra Note","News"],"articleSection":["2026","Publications"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/","url":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/","name":"Detra Note : Actuarial modeling of battery insurance for electric vehicles","isPartOf":{"@id":"https:\/\/detralytics.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#primaryimage"},"image":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#primaryimage"},"thumbnailUrl":"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg","datePublished":"2026-04-07T12:00:29+00:00","dateModified":"2026-06-22T14:23:51+00:00","description":"This paper develops a stochastic framework for modeling battery capacity degradation to design insurance products for electric vehicles.","breadcrumb":{"@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#primaryimage","url":"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg","contentUrl":"https:\/\/detralytics.com\/wp-content\/uploads\/2026\/04\/Cover-2026-1.jpg","width":1240,"height":1754,"caption":"Actuarial modeling of battery insurance for electric vehicles"},{"@type":"BreadcrumbList","@id":"https:\/\/detralytics.com\/en\/publications\/actuarial-modeling-of-battery-insurance-for-electric-vehicles\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/detralytics.com\/"},{"@type":"ListItem","position":2,"name":"Actuarial modeling of battery insurance for electric vehicles"}]},{"@type":"WebSite","@id":"https:\/\/detralytics.com\/#website","url":"https:\/\/detralytics.com\/","name":"detralytics.com","description":"People Drive Actuarial Innovation","publisher":{"@id":"https:\/\/detralytics.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/detralytics.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/detralytics.com\/#organization","name":"Detralytics","url":"https:\/\/detralytics.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/detralytics.com\/#\/schema\/logo\/image\/","url":"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/04\/NEW-logo-detra.png","contentUrl":"https:\/\/detralytics.com\/wp-content\/uploads\/2020\/04\/NEW-logo-detra.png","width":9329,"height":2348,"caption":"Detralytics"},"image":{"@id":"https:\/\/detralytics.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/18195267\/"]},{"@type":"Person","@id":"https:\/\/detralytics.com\/#\/schema\/person\/afceedbd1f9efae3aff3db243bb1890d","name":"Detralytics","url":"https:\/\/detralytics.com\/fr\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/posts\/7217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/comments?post=7217"}],"version-history":[{"count":34,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/posts\/7217\/revisions"}],"predecessor-version":[{"id":7760,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/posts\/7217\/revisions\/7760"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/media\/7218"}],"wp:attachment":[{"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/media?parent=7217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/categories?post=7217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/detralytics.com\/fr\/wp-json\/wp\/v2\/tags?post=7217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}