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歐洲和北美保險遠端資訊處理市場 - 第七版
市場調查報告書
商品編碼
1357224

歐洲和北美保險遠端資訊處理市場 - 第七版

Insurance Telematics in Europe and North America - 7th Edition
出版日期: | 出版商: Berg Insight | 英文 250 Pages | 商品交期: 最快1-2個工作天內

價格

歐洲市場上活躍的保險遠端資訊處理保單數量預計將從 2022 年底的 1,360 萬份增至 2027 年的 2,070 萬份，複合年增長率為 8.9%。 此外，到 2027 年，北美活躍的保險遠端資訊處理保單數量預計將從 2022 年底的 1,680 萬份增至 2,920 萬份。

本報告研究和分析了歐洲和北美的保險遠端資訊處理市場，並提供了對30 家主要公司的高階主管訪談、市場趨勢以及63 個保險遠端資訊處理計劃的案例研究的見解。

目錄

圖表列表

執行摘要

第 1 章汽車市場

  • 歐洲汽車市場
    • 使用車輛和車輛密度
    • 新車登記和主要製造商
  • 北美汽車市場
    • 使用車輛和車輛密度
    • 新車登記和主要製造商
  • 汽車保險
    • 基本保險術語和分類
    • 汽車保險基礎知識
    • 傳統車險風險評估與定價標準
    • 為汽車保險公司開發保險統計工具箱
  • 歐洲汽車保險市場
  • 北美汽車保險市場

第 2 章保險遠距資訊處理解決方案

  • 保險遠距資訊處理簡介
    • 基於遠端資訊處理的保單定價的基本原理
    • 保險遠端資訊處理產品簡史
  • 基於使用的保險、相關概念和應用
  • 保險遠端資訊處理基礎設施
    • 車輛部分
    • 保險公司分部
    • 最終用戶細分
    • 網段
    • GNSS 部分
  • 商業模式
    • 內部開發
    • 利用遠端資訊處理合作夥伴
    • 無需與客戶直接互動的承保

第 3 章歐洲保險遠距資訊處理市場

  • 區域市場的特點
    • 義大利
    • 英國
    • 伊比利半島
    • 奧地利
    • 法國
    • 比荷盧經濟聯盟
    • 瑞士
    • 北歐國家
    • 德國
    • 中歐/東歐
  • 保險遠距資訊處理個案研究

第 4 章北美保險遠距資訊處理市場

  • 區域市場的特點
    • 美國
    • 加拿大
  • 保險遠距資訊處理個案研究

第 5 章市場預測與趨勢

  • 市場分析
    • 歐洲和北美的保險合約數量和保險遠端資訊處理的滲透率
    • 歐洲和北美外形尺寸的發展
  • 價值鏈分析
    • 保險業公司
    • 遠端資訊處理行業的公司
    • 汽車業的公司
    • 電信業的公司
    • IT 產業的公司
    • 保險遠距資訊處理領域的併購
  • 市場驅動因素與障礙
    • 宏觀經濟環境
    • 監理環境
    • 競爭環境
    • 科技環境
  • 未來產業趨勢
    • 保險遠距資訊處理概念可望繼續擴大
    • 保險公司預計將採用 UBI 和索賠相關的保險遠端資訊處理
    • 外形規格遷移以優先考慮行動設備
    • 連網汽車為大眾市場保險遠端資訊處理鋪平了道路
    • 車輛保險遠端資訊處理擾亂車輛追蹤市場
    • 各個客戶群對隱私的擔憂正在緩解
    • 大數據：需要仔細審查遠端資訊處理資料的所有權和移動性
    • 保險遠端資訊處理旨在減少粗心駕駛
    • 行動趨勢為基於遠端資訊處理的保險創造了新機遇
    • 連網汽車的車輛診斷數據可以為保險公司創造價值
    • 展望：保險遠距資訊處理在其他地區也正在快速成長
    • 按裡程付費保險計劃正在捲土重來
    • 保險公司探索其他物聯網產業
    • 適用於更多車型的保險遠端資訊處理概念
    • 自動駕駛汽車將改變汽車保險的競爭環境
    • 汽車原始設備製造商押注於保險遠端資訊處理
    • 保險公司開始透過基於應用的 UBI 解決方案提供更廣泛的功能

第 6 章公司簡介與策略

  • Agero
  • Arity
  • Azuga
  • Brightmile
  • CalAmp
  • Cambridge Mobile Telematics
  • CCC Information Services
  • ClearScore
  • Dolphin Technologies
  • Earnix
  • FairConnect Group
  • Greater Than
  • Howden Driving Data (Howden Group)
  • IMS
  • Insure Telematics Solutions
  • Inzura
  • LexisNexis Risk Solutions
  • Meta System
  • Motix Connected
  • Movingdots (Powerfleet)
  • Munic Car Data
  • OCTO Telematics
  • Oseven Telematics
  • Quartix
  • Radius Telematics
  • Redtail Telematics
  • Sentiance
  • Scope Technology
  • Sycada
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Verisk Analytics
  • Viasat Group
  • Vodafone Automotive
  • Webfleet
  • Zendrive
  • 首字母縮寫詞和縮寫詞列表

What are the latest trends on the Insurance telematics market? Berg Insight estimates that the total number of insurance telematics policies in force on the European market reached 13.6 million at the end of 2022. Growing at a compound annual growth rate of 8.9 percent, the number of active insurance telematics policies in Europe is estimated to reach 20.7 million by 2027. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 16.8 million policies at the end of 2022 to reach 29.2 million policies by 2027. Get up to date with the latest industry trends in this new 250-page strategy report from Berg Insight.

Highlights from the report:

  • Insights from 30 new executive interviews with market leading companies.
  • Comprehensive overview of the insurance telematics value chain and key applications.
  • In-depth analysis of market trends and key developments.
  • Case studies of 63 insurance telematics initiatives.
  • Summary of the involvement of vehicle OEMs and mobile operators.
  • New data on vehicle populations in Europe and North America.
  • Market forecasts by country lasting until 2027.

Table of Contents

Table of Contents

List of Figures

Executive Summary

1. The Automotive Market

  • 1.1. The automotive market in Europe
    • 1.1.1. Vehicles in use and car density
    • 1.1.2. New car registrations and leading manufacturers
  • 1.2. The automotive market in North America
    • 1.2.1. Vehicles in use and car parc density
    • 1.2.2. New car registrations and leading manufacturers
  • 1.3. Automotive insurance
    • 1.3.1. Basic insurance terminology and categorisations
    • 1.3.2. The fundamentals of automotive insurance
    • 1.3.3. Traditional automotive insurance risk rating and pricing criteria
    • 1.3.4. Developments of the actuarial toolbox for motor insurers
  • 1.4. The European automotive insurance market
  • 1.5. The North American automotive insurance market

2. Insurance Telematics Solutions

  • 2.1. Introduction to insurance telematics
    • 2.1.1. The rationale for telematics-based insurance policy pricing
    • 2.1.2. Brief history of insurance telematics offerings
  • 2.2. Usage-based insurance and related concepts and applications
    • 2.2.1. Manual reporting
    • 2.2.2. Usage-based insurance telematics - PAYD, PHYD, MHYD and TBYB
    • 2.2.3. Continuous and time-limited telematics data recording
    • 2.2.4. Usage-based pricing vs. claims-related insurance telematics
    • 2.2.5. Personal lines and commercial lines insurance telematics
    • 2.2.6. Value-added services related to insurance telematics
  • 2.3. Insurance telematics infrastructure
    • 2.3.1. Vehicle segment
    • 2.3.2. Insurer segment
    • 2.3.3. End-user segment
    • 2.3.4. Network segment
    • 2.3.5. GNSS segment
  • 2.4. Business models
    • 2.4.1. In-house development
    • 2.4.2. Leveraging telematics partners
    • 2.4.3. Underwriting without direct client interaction

3. The European Insurance Telematics Market

  • 3.1. Regional market characteristics
    • 3.1.1. Italy
    • 3.1.2. United Kingdom
    • 3.1.3. Iberia
    • 3.1.4. Austria
    • 3.1.5. France
    • 3.1.6. Benelux
    • 3.1.7. Switzerland
    • 3.1.8. The Nordics
    • 3.1.9. Germany
    • 3.1.10. Central and Eastern Europe
  • 3.2. Insurance telematics case studies
    • 3.2.1. More than 45 percent of the vehicles insured by UnipolSai feature a black box
    • 3.2.2. Generali offers a wide portfolio of insurance telematics products
    • 3.2.3. Smartphone-only solutions - a growth engine for Allianz's telematics offerings
    • 3.2.4. AXA offers its insurance telematics portfolio in multiple European countries
    • 3.2.5. Admiral Group has multiple insurance telematics programs in Europe
    • 3.2.6. Insure The Box has sold more than 1.0 million black box-based policies
    • 3.2.7. Direct Line Group acquires pay-per-mile insurer By Miles
    • 3.2.8. Aviva chooses device-based telematics in the UK
    • 3.2.9. Zego launches behavioural based pricing for UK fleets
    • 3.2.10. Ingenie targets drivers in the 17- to 44-year-old age bracket
    • 3.2.11. Granite acquires Carrot Insurance from IMS
    • 3.2.12. Ardonagh Group expands its UBI offering with Marmalade and Be Wiser
    • 3.2.13. RSA offers UBI via 123GO
    • 3.2.14. AbbeyAutoline (Prestige) renews ChilliDrive with Howden Driving Data
    • 3.2.15. Markerstudy Group offers UBI through SmartDriverClub Insurance and Co-op
    • 3.2.16. Stellantis has a long experience in UBI on the European market
    • 3.2.17. Mercedes-Benz offers UBI in Germany
    • 3.2.18. HUK-Coburg relaunched Telematik Plus in 2019
    • 3.2.19. VHV's Telematik Garant switched to a mobile based telematics solution
    • 3.2.20. German insurer Signal Iduna shuts down its UBI program
    • 3.2.21. EMIL powers pay-per-mile telematics products in Germany
    • 3.2.22. DEVK implements Dolphin Technologies in its app-based telematics offering
    • 3.2.23. UNIQA focuses on new IT infrastructure and leaves UBI
    • 3.2.24. Groupama offers insurance telematics in multiple countries
    • 3.2.25. Risk has launched several insurance telematics products in the Netherlands
    • 3.2.26. MAPFRE provides insurance telematics products in Spain and the US
    • 3.2.27. ÖSA and Sparkassen Versicherung offer eCall services in Germany
    • 3.2.28. GDV launches eCall service with participating German insurers
    • 3.2.29. Zavarovalnica Triglav brings UBI to Slovenia
    • 3.2.30. PZU Group and Link4 offer telematics programs in Poland
    • 3.2.31. CHERRISK rewards safe driving
    • 3.2.32. HDI Global offers telematics solutions in the UK and Italy
    • 3.2.33. Zurich invested in the UK telematics insurance provider MyPolicy in 2021
    • 3.2.34. If Insurance has long experience of telematics in the Nordics
    • 3.2.35. Paydrive leverages aftermarket and OEM telematics for UBI
    • 3.2.36. VIS pioneers telematics insurance in Iceland

4. The North American Insurance Telematics Market

  • 4.1. Regional market characteristics
    • 4.1.1. United States
    • 4.1.2. Canada
  • 4.2. Insurance telematics case studies
    • 4.2.1. Progressive is the UBI telematics pioneer in the US
    • 4.2.2. State Farm works with CMT to enhance the Drive Safe & Save program
    • 4.2.3. Allstate offers Drivewise and Milewise in the US
    • 4.2.4. Liberty Mutual has a broad portfolio of telematics products
    • 4.2.5. Desjardins offers a smartphone app for insurance telematics in Canada
    • 4.2.6. Nationwide offers UBI based on OBD, smartphone and OEM telematics data
    • 4.2.7. Farmers offers mobile-based insurance telematics from Driveway Software
    • 4.2.8. Travelers acquires insurtech Trov
    • 4.2.9. GEICO offers a smartphone-based telematics program in select US states
    • 4.2.10. Toyota Insurance Management Solutions offers UBI in the US
    • 4.2.11. CAA offers MyPace and Connect powered by OCTO Telematics
    • 4.2.12. Root Insurance is a smartphone-based insurance company
    • 4.2.13. USAA enhances insurance offering by acquiring UBI focused Noblr
    • 4.2.14. Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
    • 4.2.15. Progressive has launched a second commercial UBI product
    • 4.2.16. Nationwide offers commercial lines insurance telematics solutions
    • 4.2.17. Philadelphia Insurance Companies offers fleet insurance telematics
    • 4.2.18. True Mileage uses NFC and works with Ohio Mutual Insurance Group
    • 4.2.19. Liberty Mutual strengthens UBI client base with State Auto acquisition
    • 4.2.20. Ford, Hyundai, Honda and GM join Verisk Telematics Data Exchange
    • 4.2.21. CMT powers multiple safe driving contests in the US
    • 4.2.22. Intact discontinues its device-based program in favour of mobile solutions
    • 4.2.23. Lemonade acquires Metromile
    • 4.2.24. American Family Insurance offers three UBI programs
    • 4.2.25. HDVI pioneers telematics UBI for fleets of semi-trailer trucks
    • 4.2.26. Tesla to underwrite its own telematics insurance policies
    • 4.2.27. Pouch and Mojio partner to offer fleet insurance to small businesses

5. Market Forecasts and Trends

  • 5.1. Market analysis
    • 5.1.1. Insurance telematics policies and penetration in Europe and North America
    • 5.1.2. Form factor developments in Europe and North America
  • 5.2. Value chain analysis
    • 5.2.1. Insurance industry players
    • 5.2.2. Telematics industry players
    • 5.2.3. Automotive industry players
    • 5.2.4. Telecom industry players
    • 5.2.5. IT industry players
    • 5.2.6. Mergers and acquisitions in the insurance telematics space
  • 5.3. Market drivers and barriers
    • 5.3.1. Macroeconomic environment
    • 5.3.2. Regulatory environment
    • 5.3.3. Competitive environment
    • 5.3.4. Technology environment
  • 5.4. Future industry trends
    • 5.4.1. Continued broadening of the insurance telematics concept is expected
    • 5.4.2. Insurers will embrace both UBI and claims-related insurance telematics
    • 5.4.3. Formfactor shift to favour mobile devices
    • 5.4.4. Connected cars pave the way for mass-marketisation of insurance telematics
    • 5.4.5. Fleet insurance telematics to disrupt the fleet tracking market
    • 5.4.6. Privacy concerns are softening across customer segments
    • 5.4.7. Big Data: Ownership and portability of telematics data to be scrutinised
    • 5.4.8. Insurance telematics aims to reduce distracted driving
    • 5.4.9. Mobility trends provide new opportunities for telematics-based insurance
    • 5.4.10. Vehicle diagnostics data from connected cars can create value for insurers
    • 5.4.11. Outlook: Insurance telematics is growing rapidly in other regions
    • 5.4.12. Pay-per-mile insurance programs are resurging
    • 5.4.13. Insurers to explore other IoT verticals
    • 5.4.14. The insurance telematics concept to be applicable for more vehicle types
    • 5.4.15. Autonomous cars alter the playing field for motor insurance
    • 5.4.16. Automotive OEMs bet on insurance telematics
    • 5.4.17. Insurers begin to offer wider functionality in their app-based UBI solutions

6. Company Profiles and Strategies

  • 6.1. Agero
  • 6.2. Arity
  • 6.3. Azuga
  • 6.4. Brightmile
  • 6.5. CalAmp
  • 6.6. Cambridge Mobile Telematics
  • 6.7. CCC Information Services
  • 6.8. ClearScore
  • 6.9. Dolphin Technologies
  • 6.10. Earnix
  • 6.11. FairConnect Group
  • 6.12. Greater Than
  • 6.13. Howden Driving Data (Howden Group)
  • 6.14. IMS
  • 6.15. Insure Telematics Solutions
  • 6.16. Inzura
  • 6.17. LexisNexis Risk Solutions
  • 6.18. Meta System
  • 6.19. Motix Connected
  • 6.20. Movingdots (Powerfleet)
  • 6.21. Munic Car Data
  • 6.22. OCTO Telematics
  • 6.23. Oseven Telematics
  • 6.24. Quartix
  • 6.25. Radius Telematics
  • 6.26. Redtail Telematics
  • 6.27. Sentiance
  • 6.28. Scope Technology
  • 6.29. Sycada
  • 6.30. Targa Telematics
  • 6.31. Telematics Technologies
  • 6.32. The Floow
  • 6.33. Trakm8
  • 6.34. Verisk Analytics
  • 6.35. Viasat Group
  • 6.36. Vodafone Automotive
  • 6.37. Webfleet
  • 6.38. Zendrive
  • List of Acronyms and Abbreviations

List of Figures

  • Figure 1.1: Vehicles in use (EU+EFTA+UK 2021)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU+EFTA+UK 2021)
  • Figure 1.3: Passenger car registrations by manufacturer (EU27+UK+EFTA 2022)
  • Figure 1.4: Vehicles in use (North America 2021)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2022)
  • Figure 1.6: Motor insurance statistics (EU22+3 2021)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2020)
  • Figure 2.2: Subcategories of usage-based insurance and insurance telematics
  • Figure 2.3: Schematic classification of insurance telematics
  • Figure 2.4: Insurance telematics infrastructure overview
  • Figure 2.5: Examples of principal insurance telematics form factors
  • Figure 2.6: Examples of feedback from Progressive's smartphone app Snapshot
  • Figure 2.7: Example of a windscreen-mounted Bluetooth device from CMT
  • Figure 2.8: GDV-Stecker 12 V device provided by Bosch
  • Figure 2.9: Nextbase's Dash Cam 522 GW and Rear Window Cam module
  • Figure 2.10: Schematic insurance telematics risk rating process
  • Figure 2.11: Web- and smartphone-based interfaces and dashboards for end-users
  • Figure 2.12: Telematics strategies for insurance providers
  • Figure 3.1: Allianz's top telematics markets (Q3-2023)
  • Figure 3.2: Overview of the Your Portal interface for insurethebox policyholders
  • Figure 3.3: Marmalade Young Driver app and tag developed by CMT
  • Figure 3.4: Windscreen device and app from VHV
  • Figure 3.5: User interface of Sijox's AppDrive
  • Figure 3.6: The VOOROP dashboard on a desktop and smartphone
  • Figure 4.1: Progressive's Snapshot OBD-II telematics device supplied by Xirgo
  • Figure 4.2: State Farm's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2022)
  • Figure 4.4: Travelers IntelliDrive
  • Figure 4.5: Mobileye 8 Connect including camera, GPS unit and EyeWatch display
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2022-2027)
  • Figure 5.2: Insurance telematics policies by country (North America 2022-2027)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2022-2027)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2022-2027)
  • Figure 5.5: Key players in the insurance telematics value chain
  • Figure 5.6: Examples of telematics hardware providers serving the insurance space
  • Figure 5.7: M&As in the insurance telematics space (2014-2023)