Which Customers Will Purchase an Unquoted Plan?

[nickwallen]

The naive model is relatively effective for the competition. Even the best competitors are beating it by only a few points. This indicates that in most cases customers purchase plans for which they have previously (and most recently) received a quote. For these customers, the naive model might be the best model.

Alternatively, there are other customers who will choose to purchase an unquoted plan. For these customers an alternative shopping or customer-based model should be used to improve accuracy.

This could be accomplished by ensembling the naive model with another model and have the ensemble model decide when each model should be applied.