Generalized bonus-malus systems with a frequency and a severity component on an individual basis in automobile insurance.

Copyright to original material in this document is with the original owner(s). Access to this content through BURO is granted on condition that you use it only for research, scholarly or other non-commercial purposes. If you wish to use it for any other purposes, you must contact BU via BURO@bournemouth.ac.uk.

Any third party copyright material in this document remains the property of its respective owner(s). BU grants no licence for further use of that third party material.