Telemetria e seguros automotivos no Brasil: competências atuariais frente às experiências internacionais

Abstract

This study examines the use of telematics in automobile insurance in Brazil drawing on international experiences, assessing the performance of this technology in pricing and the actuarial competencies required for its application. It conducts a literature review of indexed journals and a documentary analysis of institutional reports, regulatory documents and operational records of Brazilian insurtechs. The study examines usage-based insurance pricing models in their Pay-As-You-Drive and Pay-How-You-Drive modalities, and synthesizes empirical evidence on their effectiveness in North American and European markets, including reductions between 10% and 15% in claims frequency and the predictive superiority of

telematics-based models over traditional approaches. It analyzes the trajectory of telematics- based insurtechs within the SUSEP Regulatory Sandbox, with emphasis on Darwin Seguros

and Justos Seguros, which obtained permanent licenses to operate as insurers, and compares their operational performance based on SUSEP filings. Six competency areas that actuaries need to develop for this market are identified: behavioral data modeling, data science, UBI pricing, model interpretability, knowledge of telematics collection systems and regulatory compliance. The study concludes that telematics already operates commercially in Brazil, yet the absence of specific regulations for telematics data and the gap between traditional actuarial education and the demands of this market constitute the main challenges for the expansion of these models in the national context.