Insurance scoring is a method used to assess the risk level of a potential policyholder and assign them a corresponding premium. This system relies on analyzing information related to the property or person to be insured, thus allowing for the evaluation of risks and the potential costs of claims. It is a crucial decision-making tool for determining the appropriate coverage and setting its price. For example, for car insurance, various criteria are involved in the scoring process, such as the vehicle’s characteristics impacting the risks of theft or accidents, the driver’s profile (age, driving history, family situation), and contextual data influencing the probability of a claim (address, garage, etc.). Insurance scoring models are based on a statistical analysis of past contracts, claims, and data shared within the industry. However, it should be noted that these scoring, pricing, and product segmentation techniques can sometimes conflict with the principle of risk pooling, which is fundamental to insurance.