We address some issues in agricultural insurance, describing drawbacks of the bonus-malus system (BMS) methodology used in Spain and many other EU countries. We develop an alternative experience based premium rate discount system taking into account the adverse years when high losses caused by extreme weather events happen. Our contribution consists of a two-step methodology. Firstly, we use tobit or Tweedie regressions to calculate yearly correction rates. Secondly, we calculate the mean of the correction rates. This average model acts as a buffer against adverse year losses. We compare three alternatives: our two resulting average models and the BMS operating in the Spanish line of business exemplified—table grapes.

中文翻译：

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基于经验的保费率折扣的平均模型方法：西班牙农业保险的应用

我们解决了农业保险中的一些问题，描述了西班牙和许多其他欧盟国家/地区使用的奖金-欺诈制度（BMS）方法的弊端。考虑到极端天气事件造成高损失的不利年份，我们开发了一种基于经验的替代费率折扣系统。我们的贡献包括两步法。首先，我们使用tobit或Tweedie回归来计算年度校正率。其次，我们计算校正率的平均值。该平均模型可作为防止年度亏损的缓冲。我们比较了三种选择：我们得出的两个平均模型和以西班牙业务为例的BMS食用葡萄。