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市場調查報告書
商品編碼
1069889

歐洲/北美遠程信息處理保險-第 6 版

Insurance Telematics in Europe and North America - 6th Edition

出版日期: | 出版商: Berg Insight | 英文 295 Pages | 商品交期: 最快1-2個工作天內

價格
  • 全貌
  • 簡介
  • 目錄
簡介

預計到 2021 年底,歐洲市場的遠程信息處理保險保單總數將達到 1620 萬份,複合年增長率為 21.5%,預計到 2025 年將達到 3510 萬份。與此同時,預計北美的遠程信息處理保險保單數量將從 2021 年底的估計 2170 萬份增加到 2025 年的 4900 萬份。

本報告調查了歐洲和北美的遠程信息處理保險。 它提供有關行業更新、汽車市場數據、汽車保險概述、遠程信息處理保險解決方案、區域市場分析、主要公司概況和戰略的信息。

目錄

人物列表

執行摘要

第一章汽車市場

  • 歐洲汽車市場
    • 營運車輛與登記車輛的比率
    • 新車註冊及主要廠商
  • 北美汽車市場
    • 營運車輛與登記車輛的比率
    • 新車註冊及主要廠商
  • 汽車保險
    • 基本保險條款和分類
    • 汽車保險基礎知識
    • 傳統汽車保險的風險評估和定價標準
    • 為汽車保險公司開發精算工具箱
  • 歐洲汽車保險市場
  • 北美汽車保險市場

第2章遠程信息處理保險解決方案

  • 車聯網保險介紹
    • 遠程信息處理保險單定價的基本原理
    • 車聯網保險產品簡介
  • 基於使用的保險及相關概念和應用
    • 手動報告
    • 基於使用的遠程信息處理保險:PAYD、PHYD、MHYD、TBYB
    • 連續、限時記錄遠程信息處理數據
    • 基於使用的定價和與支付相關的遠程信息處理保險的比較
    • 個人和商業遠程信息處理保險的比較
    • 與車聯網保險相關的增值服務
  • 遠程信息處理保險基礎設施
    • 車輛段
    • 保險公司板塊
    • 最終用戶細分
    • 網段
    • GNSS 段
  • 商業模式
    • 內部開發
    • 利用遠程信息處理合作夥伴
    • 不與客戶直接對話的承保

第三章歐洲遠程信息處理保險市場

  • 區域市場特點
    • 意大利
    • 英國
    • 伊比利亞
    • 奧地利
    • 法國
    • 比荷盧經濟聯盟
    • 瑞士
    • 斯堪的納維亞
    • 德國
    • 中歐和東歐
  • 遠程信息處理保險案例研究
    • Unipol Sai 投保的車輛中超過 40% 有黑匣子
    • Generali 提供廣泛的遠程信息處理保險產品組合
    • 智能手機專用解決方案,安聯遠程信息處理產品的增長引擎
    • AXA 在多個歐洲國家提供遠程信息處理保險組合
    • Admiral Group 在歐洲等地擁有多個遠程信息處理保險項目。

第 4 章北美遠程信息處理保險市場

  • 區域市場特點
    • 美國
    • 加拿大
  • 遠程信息處理保險案例研究
    • Progressive 是美國 UBI 遠程信息處理的先驅
    • State Farm 與 CMT 合作加強 Drive Safe & Save 計劃
    • Allstate 在美國提供 Drivewise 和 Milewise
    • Esurance 在美國 37 個州提供 DriveSense
    • Allstate 的子公司 Arity 正在將其產品擴展到外部客戶
    • Liberty Mutual 擁有廣泛的遠程信息處理產品組合等。

第 5 章市場預測和趨勢

  • 市場分析
    • 歐洲和北美的遠程信息處理保險政策和滲透率
    • 在歐洲和北美開發外形尺寸
  • 價值鏈分析
    • 保險業公司
    • 遠程信息處理行業公司
    • 汽車行業的公司
    • 電信行業的公司
    • IT 行業的公司
    • 車聯網保險領域的併購
  • 市場驅動因素和障礙
    • 宏觀經濟環境
    • 受監管的環境
    • 競爭環境
    • 技術環境
  • 未來行業趨勢
    • 車聯網保險的概念有望繼續擴大。
    • 保險公司同時採用 UBI 和與索賠相關的遠程信息處理保險
    • 外形尺寸轉變以優先考慮移動設備
    • 聯網汽車為遠程信息處理保險的大眾市場鋪平了道路
    • 新的數據交換有望讓小型保險公司能夠使用 OEM 數據
    • 擾亂車隊跟蹤市場的車隊遠程信息處理保險
    • 客戶群等的隱私問題已得到緩解。

第 6 章公司概況和戰略

  • Agero
  • Amodo
  • Autoliv
  • Azuga
  • Baseline Telematics
  • Bosch Connected Devices and Solutions
  • CalAmp
  • Cambridge Mobile Telematics
  • CCC Information Services
  • ClearScore
  • Dolphin Technologies
  • Earnix
  • FairConnect (DriveQuant)
  • Greater Than
  • IMS (Trak Global Group)
  • Ingenie Business
  • Insure Telematics Solutions
  • Inzura
  • LexisNexis Risk Solutions
  • Meta System
  • Modus
  • Motix Connected
  • Munic Car Data
  • Octo Telematics
  • OSeven Telematics
  • Quartix
  • Redtail Telematics
  • Sentiance
  • Scope Technology
  • Swiss Re
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Verisk Analytics
  • Viasat Group
  • Vodafone Automotive
  • Webfleet Solutions
  • Zendrive
  • 用語集
目錄

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 16.2 million at the end of 2021. Growing at a compound annual growth rate of 21.5 percent, the number of active insurance telematics policies in Europe is estimated to reach 35.1 million by 2025. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 21.7 million policies at the end of 2021 to reach 49.0 million policies by 2025. Get up to date with the latest industry trends in this new 295-page strategy report from Berg Insight.

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, 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 40 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 uses a variety of sensors for gathering of telematics data
    • 3.2.8. Aviva chooses device-based telematics in the UK
    • 3.2.9. Ingenie targets drivers in the 17- to 44-year-old age bracket
    • 3.2.10. IMS expands Carrot Insurance's platform to North America
    • 3.2.11. Marmalade targets young drivers
    • 3.2.12. RSA offers UBI via MORE TH>N SM>RT WHEELS and 123GO
    • 3.2.13. Be Wiser offers Drive Wiser PHYD insurance in the UK based on Coverbox
    • 3.2.14. AbbeyAutoline (Prestige) offers ChilliDrive powered by Inzura
    • 3.2.15. By Miles offers PAYD using aftermarket OBD devices and OEM telematics
    • 3.2.16. CalAmp invests in the insurance marketplace
    • 3.2.17. Stellantis' PSA Group offers UBI in the UK, Belgium and France
    • 3.2.18. Mercedes-Benz offers UBI in four European countries
    • 3.2.19. HUK-Coburg relaunched Telematik Plus in 2019
    • 3.2.20. VHV's Telematik Garant switched to a mobile based telematics solution
    • 3.2.21. German insurer Signal Iduna launches UBI based on a smartphone app
    • 3.2.22. EMIL powers pay-per-mile telematics products in Germany
    • 3.2.23. DEVK implements Dolphin Technologies in its app-based telematics offering
    • 3.2.24. UNIQA SafeLine powered by Dolphin Technologies focuses on safety
    • 3.2.25. Groupama offers insurance telematics in multiple countries
    • 3.2.26. Risk has launched several insurance telematics products in the Netherlands
    • 3.2.27. MAPFRE provides insurance telematics products in Spain and the US
    • 3.2.28. ÖSA and Sparkassen Versicherung offer eCall services in Germany
    • 3.2.29. GDV launches eCall service with 46 participating German insurers
    • 3.2.30. Zavarovalnica Triglav brings UBI to Slovenia
    • 3.2.31. PZU Group and Link4 offer telematics programs in Poland
    • 3.2.32. CHERRISK rewards safe driving
    • 3.2.33. HDI Global has launched DiamondDrive in Germany
    • 3.2.34. Zurich invested in the UK telematics insurance provider MyPolicy in 2021
    • 3.2.35. If Insurance has long experience of telematics in the Nordics
    • 3.2.36. Paydrive leverages aftermarket and OEM telematics for UBI
    • 3.2.37. 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. Esurance offers DriveSense in 37 US states
    • 4.2.5. Allstate's subsidiary Arity expands its offering to external customers
    • 4.2.6. Liberty Mutual has a broad portfolio of telematics products
    • 4.2.7. Desjardins offers a smartphone app for insurance telematics in Canada
    • 4.2.8. Nationwide offers UBI based on OBD, smartphone and OEM telematics data
    • 4.2.9. Farmers offers mobile-based insurance telematics from Driveway Software
    • 4.2.10. Travelers offers smartphone-based UBI
    • 4.2.11. GEICO offers a smartphone-based telematics program in select US states
    • 4.2.12. Toyota Insurance Management Solutions offers UBI in the US
    • 4.2.13. CAA offers MyPace and Connect powered by Octo Telematics
    • 4.2.14. Root Insurance is a smartphone-based insurance company
    • 4.2.15. USAA enhances insurance offering by acquiring UBI focused Noblr
    • 4.2.16. Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
    • 4.2.17. Progressive has launched a second commercial UBI product
    • 4.2.18. Nationwide offers commercial lines insurance telematics solutions
    • 4.2.19. Philadelphia Insurance Companies offers fleet insurance telematics
    • 4.2.20. Trov offers mobility insurance solutions built on Sentiance's platform
    • 4.2.21. True Mileage uses NFC and works with Ohio Mutual Insurance Group
    • 4.2.22. State Auto has a broad telematics portfolio focusing on both UBI and claims
    • 4.2.23. Ford, Hyundai, Honda, and GM join Verisk Telematics Data Exchange
    • 4.2.24. CMT powers multiple safe driving contests in the US
    • 4.2.25. Intact discontinues its device-based program in favour of mobile solutions
    • 4.2.26. Lemonade acquires Metromile
    • 4.2.27. American Family Insurance
    • 4.2.28. HDVI pioneers telematics UBI for fleets of semi trailer trucks
    • 4.2.29. Tesla launches its own telematics insurance brokerage in Texas and Illinois
    • 4.2.30. 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. Form factor shift to favour mobile devices
    • 5.4.4. Connected cars pave the way for mass-marketisation of insurance telematics
    • 5.4.5. New data exchanges expected to make OEM data available to small insurers
    • 5.4.6. Fleet insurance telematics to disrupt the fleet tracking market
    • 5.4.7. Privacy concerns are softening across customer segments
    • 5.4.8. Big Data: Ownership and portability of telematics data to be scrutinised
    • 5.4.9. Insurance telematics aims to reduce distracted driving
    • 5.4.10. Mobility trends provide new opportunities for telematics-based insurance
    • 5.4.11. Vehicle diagnostics data from connected cars can create value for insurers
    • 5.4.12. Outlook: Insurance telematics is growing rapidly in other regions
    • 5.4.13. Pay-per-mile insurance programs are resurging
    • 5.4.14. Insurers to explore other IoT verticals
    • 5.4.15. The insurance telematics concept to be applicable for more vehicle types
    • 5.4.16. Autonomous cars alter the playing field for motor insurance
    • 5.4.17. Automotive OEMs bet on insurance telematics

6. Company profiles and strategies

  • 6.1. Agero
  • 6.2. Amodo
  • 6.3. Autoliv
  • 6.4. Azuga
  • 6.5. Baseline Telematics
  • 6.6. Bosch Connected Devices and Solutions
  • 6.7. CalAmp
  • 6.8. Cambridge Mobile Telematics
  • 6.9. CCC Information Services
  • 6.10. ClearScore
  • 6.11. Dolphin Technologies
  • 6.12. Earnix
  • 6.13. FairConnect (DriveQuant)
  • 6.14. Greater Than
  • 6.15. IMS (Trak Global Group)
  • 6.16. Ingenie Business
  • 6.17. Insure Telematics Solutions
  • 6.18. Inzura
  • 6.19. LexisNexis Risk Solutions
  • 6.20. Meta System
  • 6.21. Modus
  • 6.22. Motix Connected
  • 6.23. Munic Car Data
  • 6.24. Octo Telematics
  • 6.25. OSeven Telematics
  • 6.26. Quartix
  • 6.27. Redtail Telematics
  • 6.28. Sentiance
  • 6.29. Scope Technology
  • 6.30. Swiss Re
  • 6.31. Targa Telematics
  • 6.32. Telematics Technologies
  • 6.33. The Floow
  • 6.34. Trakm8
  • 6.35. Verisk Analytics
  • 6.36. Viasat Group
  • 6.37. Vodafone Automotive
  • 6.38. Webfleet Solutions
  • 6.39. Zendrive
  • Glossary

List of Figures

  • Figure 1.1: Vehicles in use (EU22+3 2019)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU27+UK 2019)
  • Figure 1.3: Passenger car registrations by manufacturer (EU27+UK+EFTA 2020)
  • Figure 1.4: Vehicles in use (North America 2019)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2020)
  • Figure 1.6: Motor insurance statistics (EU23+2 2019)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2019)
  • Figure 2.2: Subcategories of usage-based insurance and insurance telematics
  • Figure 2.3: Schematic classification of usage-based & claims-focused 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 (Q4-2020)
  • 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 3.7: HDI's DiamondDrive app
  • 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 (2011-2020)
  • Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2020)
  • Figure 4.5: Travelers IntelliDrive
  • Figure 4.6: Mobileye Shield+ and Mobileye Connect 6 aftermarket ADAS systems
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2020-2025)
  • Figure 5.2: Insurance telematics policies by country (North America 2020-2025)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2020-2025)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2020-2025)
  • 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 (2014-2022)