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市場調查報告書

汽車保險車載資通系統 & UBI (利用為基礎的保險) 報告 2016年

Insurance Telematics & UBI Report 2016

出版商 TU Automotive 商品編碼 259997
出版日期 內容資訊 英文 81 Pages; 20 Figures
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汽車保險車載資通系統 & UBI (利用為基礎的保險) 報告 2016年 Insurance Telematics & UBI Report 2016
出版日期: 2016年08月16日 內容資訊: 英文 81 Pages; 20 Figures
簡介

本報告提供汽車產業的車載資通系統保險及UBI (利用為基礎的保險) 市場現況與展望調查分析,目前保險車載資通系統產業狀況,最大的課題,普及率,問題點,促進產品的創新的企業,消費者調查結果,建議解決方案,及主要企業等相關分析。

第1章 保險車載資通系統 & UBI的現狀

  • 概要
  • 全球UBI & 保險車載資通系統的普及率
  • 已發展的市場
    • 義大利
    • 美國
    • 英國
  • 新興市場、市場區隔

第2章 今後的障礙、課題

  • 別錯過機會
  • 價值命題窄
  • 消費者認識、貧乏的行銷
  • 附加價值的提供
  • 資料不足
  • 錯過機會
  • 消費者容易利用
  • 消費率低
  • 有限的產品可用性、選擇
  • 隱私的疑慮
  • 銷售管道的阻力
  • 高的解決方案成本
  • 折扣模式

第3章 最創新的計劃、模式

  • 每日的保險
  • 共乘保險
  • 安全性的推銷
  • 智慧型手機應用程式的忠誠度消費利潤
  • 新的保險聚合模式
  • 資料可攜帶性

第4章 促進保險車載資通系統 & UBI產品創新的是誰/什麼?

第5章 主要企業

  • 美國
    • Progressive
    • State Farm
    • Allstate
    • LexisNexis/Wunelli
  • 歐洲
    • Octo Telematics
    • Insurethebox
    • Generali Insurance
  • 可從主要企業的模式/策略學習的事
    • General findings
    • Progressive
    • Allstate
    • State Farm
    • Generali
    • Insurethebox
    • AAMI, Discovery, Metromile
  • 本章的彙整

第6章 車載資通系統的更新:消費者調查

  • 調查結果
  • 客戶不採用UBI & 保險車載資通系統產品的理由為何?
  • 標題結果

第7章 法規、隱私

  • 歸鄉帶給保險產業的影響
    • 英國、歐洲
    • 美國
    • 加拿大
  • 法規的發展
  • 汽車/保險資料相關最新的判例

第8章 在UBI & 保險車載資通系統產品中行銷是不可缺少的理由

  • 構築有效的價值命題的方法
    • 明確的目標的設定
    • 個性化VAS及利潤的提供
    • 提供UBI設備的選擇
    • 消費者的教育
    • 發現關於消費者日常數位生活的方法
  • VAS (附加價值服務) 和折扣的最適合融合
    • 整體概要
    • 美國、英國及加拿大市場
    • 消費者信心指數
    • 更佳的市場區隔
    • 忠誠度
    • 設備開發成本服務提供的妨礙
    • UBI必需展示更多的消費者價值
  • VAS的類型和由誰提供,以及理由
  • 提供折扣的Carrier,及成功的事項
    • 美國
    • 加拿大
    • 英國
    • 義大利

第9章 案例研究

  • 北美
    • Allstate
    • State Farm
    • Drive Factor
    • Desjardins
  • 歐洲/其他
    • Octo
    • Generali
    • The Floow
    • AAMI

來自產業的教訓

參考文獻

簡稱

圖表

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目錄

Industry Overview

The benefits of insurance telematics and UBI products are well known to the insurance industry, but the consumer is yet to be entirely convinced by the value propositions of these products. Increasing the adoption rates of telematics and UBI products is the biggest challenge the industry faces. This in-depth report will analyse the most successful models and value propositions in the industry and show you how to refine your marketing to increase the adoption of your product. With a combination of qualitative and quantitative data, this research report will provide unique analysis on how to build successful insurance products to increase adoption rates.

Key areas covered:

  • Trends in insurance telematics and UBI
  • The future of the sector
  • What are the consumer barriers? Why do they exist? How do we overcome them?
  • The Value proposition - what are the most effective VPs on the market? How were they developed? What works where?
  • The optimum VAS/discount mix
  • The companies leading the way - what are the facts and figures behind their success?
  • Overview of the UBI and insurance telematics industry globally

Your key questions answered:

  • Where is the insurance telematics industry at currently?
  • How do people view the biggest issues?
  • Is it solely a marketing issue?
  • What are the adoption rates?
  • What are the problems?
  • Who is driving innovation in insurance telematics and UBI products?
  • Who are the top 5 companies (for US and Europe) in this space? What can be learnt from their models?
  • What are the findings of our consumer survey? What are the main objections? Why won't customers take up UBI and Insurance Telematics products?
  • What are the suggested solutions?

Companies Who Contributed:

  • Tim Marlow, Head of Autonomous and Connected Vehicle Research, Ageas UK
  • David Lukens, Director, Lexis Nexis
  • Mark Godfrey, Head of Sales and Marketing, RAC
  • Luigi Barcarolo, Head of Telematics Competence Center, Generali
  • Roberto Polli, Global Head of Insurance Telematics, Vodafone
  • Aldo Monteforte, CEO, The Floow
  • Simon Russell, ITB
  • Nino Tarantino, CEO, Octo Telematics
  • David Pratt, General Manager - UBI, Progressive
  • Robin Harbage, Director, Towers Watson
  • Simon Ralphs, CEO, Telematicus

Table of Contents

  • Welcome
  • Industry reviews
  • Thought leadership
  • About
  • Acknowledgements
  • Index of figure and tables
  • Executive summary
  • Introduction

1. Today's insurance telematics and UBI landscape

  • 1.1. Overview
  • 1.2. Adoption rates for UBI and insurance telematics globally
  • 1.3. The more established markets
    • 1.3.1. Italy
    • 1.3.2. United States
    • 1.3.3. United Kingdom
  • 1.4. Emerging markets and segments

2. O bstacles and challenges ahead

  • 2.1. Don't miss the boat
  • 2.2. Narrow value proposition
  • 2.3. Consumer awareness and poor marketing
  • 2.4. Providing added value
  • 2.5. Lack of data
  • 2.6. Missed opportunity
  • 2.7. Make it easy for the consumer
  • 2.8. Limited shopping rates
  • 2.9. Restricted product availability and choice
  • 2.10. Privacy concerns
  • 2.11. A resistent sales channel
  • 2.12. High solution costs
  • 2.13. Discount models

3. M ost innovative programs and models

  • 3.1. Insurance Per Day
  • 3.2. Ridesharing insurance
  • 3.3. Promoting safety
  • 3.4. Loyalty shopping rewards through a smartphone app
  • 3.5. New insurance aggregator model
  • 3.6. Data portability

4. Who/what is driving innovation in insurance telematics and UBI products

5. Who are the top companies in this space

  • 5.1. US
    • 5.1.1. Progressive
    • 5.1.2. State Farm
    • 5.1.3. Allstate
    • 5.1.4. LexisNexis/Wunelli
  • 5.2. Europe
    • 5.2.1. Octo Telematics
    • 5.2.2. Insurethebox
    • 5.2.3. Generali Insurance
  • 5.3. What can be learnt from their model / strategy
    • 5.3.1. General findings
    • 5.3.2. Progressive
    • 5.3.3. Allstate
    • 5.3.4. State Farm
    • 5.3.5. Generali
    • 5.3.6. Insurethebox
    • 5.3.7. AAMI, Discovery, Metromile
  • 5.4. Chapter round-up

6. The Telematics Update consumer survey

  • 6.1. Findings
    • Q1. Before this survey where you aware of motor insurance telematics?
    • Q2. Do you have a telematics insurance policy?
    • Q3. If you could use a device for free to reduce your car insurance premiums - if you and your family drive carefully - how interested would you be?
    • Q4. How likely would you be to take out an insurance policy which used data on your driving to offer the following options?
    • Q5. Which of the following do you think are the target markets for motor insurance telematics?
    • Q6. How do you see the uptake of insurance telematics?
    • Q7. Which of the following would be important to you as part of an insurance telematics package?
    • Q8. Which of these technologies would you favor to track your driving habits and possibly reduce your insurance premium?
    • Q9. How much would you have to save on your premium to share your driving data with your insurer?
    • Q10. Where do you come across information about motor insurance policies?
  • 6.2. Why will customers not take up UBI and insurance telematics products?
  • 6.3. Headline results

7. Regulations and privacy

  • 7.1. Impact of regulation on the insurance industry
    • 7.1.1. UK and Europe
    • 7.1.2. US
    • 7.1.3. Canada
  • 7.2. Regulatory developments
  • 7.3. Recent precedent on car/insurance data?

8. Why marketing is essential in UBI and insurance telematics products

  • 8.1. How to build an effective value proposition
    • 8.1.1. Set clear objectives
    • 8.1.2. Offer personalized VAS and rewards
    • 8.1.3. Offer a choice of UBI devices
    • 8.1.4. Educate consumers
    • 8.1.5. Find ways to become relevant to a consumer's daily digital life
  • 8.2. The optimum blend of VAS and discounts
    • 8.2.1. General overview
    • 8.2.2. US, UK and Canadian markets
    • 8.2.3. Consumer sentiment
    • 8.2.4. Better segmentation
    • 8.2.5. Loyalty
    • 8.2.6. Device deployment costs hinder service provision
    • 8.2.7. UBI needs to demonstrate more consumer value
  • 8.3. Types of VAS and who are offering them and why
  • 8.4. Which carriers are offering discounts and what have been the successes
    • 8.4.1. US
    • 8.4.2. Canada
    • 8.4.3. UK
    • 8.4.4. Italy

9. C ase studies

  • 9.1. North America
    • 9.1.1. Allstate
    • 9.1.2. State Farm
    • 9.1.3. Drive Factor
    • 9.1.4. Desjardins
  • 9.2. Europe / Rest of the World
    • 9.2.1. Octo
    • 9.2.2. Generali
    • 9.2.3. The Floow
    • 9.2.4. AAMI
  • Industry learnings
  • References
  • Abbreviations

List of Figures and Tables

  • Figure 1: Telematics penetration in Italy by district
  • Figure 2: Number of live UBI policies in the UK in 2015
  • Figure 3: US consumer awareness of UBI
  • Figure 4: Interrelated claims functions that benefits from the integration of telematics data

List of Tables

  • Table 1: 2014 UBI adoption rates
  • Table 2: 2016 UBI adoption rates
  • Table 3: Number of live UBI policies in the UK in 2015
  • Table 4: Before this survey were you aware of motor insurance telematics?
  • Table 5: Do you have a telematics insurance policy?
  • Table 6: If you could use a device for free to reduce your car insurance premium - if you and your family drive carefully - how interested would you be?
  • Table 7: How likely would you be to take out an insurance policy which used data on your driving to offer the following?
  • Table 8: Which of the following do you think are the target markets for motor insurance telematics?
  • Table 9: How do you see the uptake of insurance telematics?
  • Table 10: Which one of the following would be important to you as part of an insurance telematics package?
  • Table 11: Which one of the following would be important to you as part of an insurance telematics package?
  • Table 12: Which of these technologies would you favor to track your driving habits and possibly reduce your insurance premiums?
  • Table 13: How much would you have to save on your premium to share your driving data with your insurer?
  • Table 14: Consumer demand vs UBI value proposition
  • Table 15: Insurers offering value-added services
  • Table 16: North American carriers offering discount
  • Table 17: European insurance companies offering insurance discounts
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