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市場調查報告書

歐洲、北美電子通訊保險市場

Insurance Telematics in Europe and North America - 4th Edition

出版商 BERG Insight 商品編碼 330361
出版日期 內容資訊 英文 270 Pages
商品交期: 最快1-2個工作天內
價格

紙本版運費將依地區不同而調整,約為美金US$100∼$150不等

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歐洲、北美電子通訊保險市場 Insurance Telematics in Europe and North America - 4th Edition
出版日期: 2019年04月23日內容資訊: 英文 270 Pages
簡介

本報告分析了歐洲、北美各國的電子通訊保險市場,並調查了汽車保險及電子通訊保險的制度及技術概要、與相關產業的關聯性、地區別市場趨勢預測、主要企業檔案等。

第1章 汽車市場

  • 歐洲汽車市場
  • 北美汽車市場
  • 汽車保險
    • 保險基本用語與分類法
    • 汽車保險原理
    • 傳統型汽車保險風險評價與價格標準
    • 汽車保險業者的保險數理工具箱開發
  • 歐洲汽車保險市場
  • 北美汽車保險市場

第2章 電子通訊保險解決方案

  • 電子通訊保險概略
    • 電子通訊基礎保險商品價格設定合理性
    • 電子通訊保險服務沿革
  • 使用基礎保險與相關概念、應用
    • 手動式報告功能
    • 電子通訊保險:PAYD、PHYD、MHYD、TBYB
    • 連續性、限制時間的電子通訊資料紀錄
    • 使用基礎費用設定 vs. 請款相關的電子通訊保險
    • 個人用/法人用電子通訊保險
    • 電子通訊保險相關附加價值服務
  • 電子通訊保險基礎建設
    • 汽車部門
    • 保險業者部門
    • 年度用戶部門
    • 網路部門
    • GNSS部門
  • 商業模式
    • 公司內開發
    • 電子通訊夥伴運用
    • 直接客戶、無互動接收

第3章 歐洲電子通訊保險市場

  • 各國市場特徵
    • 義大利
    • 英國
    • 其他
  • 電子通訊保險案例研究

第4章 北美電子通訊保險市場

  • 各國市場特徵
    • 美國
    • 加拿大
  • 電子通訊保險案例研究

第5章 市場預測與傾向

  • 市場分析
    • 歐洲、北美電子通訊保險商品及其普及率
    • 歐洲、北美系統規格開發
  • 價值鏈分析
    • 保險業相關企業
    • 電子通訊產業相關企業
    • 汽車產業相關企業
    • 通訊產業相關企業
    • IT產業相關企業
    • 業界內部的企業合併、收購 (M&A)
  • 促進或阻礙市場成長的要素
    • 總體經濟環境
    • 法規環境
    • 競爭環境
    • 技術環境
  • 未來業界趨勢

第6章 公司檔案與策略

用語集

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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 10.3 million at the end of 2018. Growing at a compound annual growth rate of 36.0 percent, the number of active insurance telematics policies in Europe is estimated to reach 47.9 million by 2023. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 10.6 million policies at the end of 2018 to reach 49.8 million policies by 2023. Get up to date with the latest industry trends in this new 270-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. Spain
    • 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. Eastern Europe
  • 3.2. Insurance telematics case studies
    • 3.2.1. Italian insurer UnipolSai reached almost 4 million active connections in 2018
    • 3.2.2. Generali continues to grow and surpasses 1.8 million active policyholders
    • 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 programmes in Europe
    • 3.2.6. Insure The Box has sold 900,000 blackbox-based policies in the UK
    • 3.2.7. Direct Line Group uses a variety of sensors for gathering of telematics data
    • 3.2.8. Aviva adds a free dashcam feature to its Aviva Drive app in the UK
    • 3.2.9. Ingenie is developing a B2B platform
    • 3.2.10. Towergate's iKube policies are powered by TomTom Telematics
    • 3.2.11. Fiat, Volkswagen and MINI work with Carrot Insurance and Trak Global
    • 3.2.12. Marmalade targets young drivers
    • 3.2.13. RSA offers UBI in the UK through MORE TH>N SM>RT WHEELS
    • 3.2.14. Coverbox offers PHYD to older drivers in the UK
    • 3.2.15. Autoline launches Chillidrive powered by Inzura
    • 3.2.16. Telefleet Insurance and Masternaut partner for fleet insurance
    • 3.2.17. By Miles offers PAYD in the UK
    • 3.2.18. Smartdriverclub offers telematics to older drivers
    • 3.2.19. PSA Finance UK offers telematics-based insurance to young drivers
    • 3.2.20. Renault-Nissan Alliance partners with The Floow
    • 3.2.21. Daimler Financial Services offers UBI in five European countries
    • 3.2.22. HUK-Coburg to launch a mass-market telematics-based product in 2019
    • 3.2.23. VHV's Telematik Garant uses a 12V device with built-in connectivity
    • 3.2.24. German insurer Signal Iduna launches UBI based on TomTom OBD device
    • 3.2.25. Telefónica re-assesses its position on the insurance telematics market
    • 3.2.26. UNIQA SafeLine powered by Dolphin Technologies has a focus on safety
    • 3.2.27. Groupama in France has launched PHYD insurance
    • 3.2.28. Chipin pioneered insurance telematics in the Netherlands
    • 3.2.29. Spanish MAPFRE Group has also launched insurance telematics in the US
    • 3.2.30. ÖSA and Sparkassen Versicherung offer eCall services in Germany
    • 3.2.31. GDV launches eCall service with 46 participating German insurers
    • 3.2.32. Zavarovalnica Triglav works with Amodo to bring UBI to Eastern Europe
    • 3.2.33. PZU Group and Link4 have launched telematics programmes in Poland
    • 3.2.34. HDI Global has launched DiamondDrive in Germany
    • 3.2.35. Zurich is broadening its telematics offering
    • 3.2.36. Springworks powered Telia Sense is used by Folksam and Alka
    • 3.2.37. Paydrive offers UBI in Sweden powered by Scope Technology and Telia

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 launched its mobile programme in December 2016
    • 4.2.2. State Farm transitions to a smartphone solution using a Bluetooth beacon
    • 4.2.3. Allstate has surpassed 1.0 million active UBI policyholders
    • 4.2.4. Esurance's DriveSense mobile app has grown significantly during 2018
    • 4.2.5. Liberty Mutual has a broad portfolio of telematics products
    • 4.2.6. Allstate's subsidiary Arity expands its offering to external customers
    • 4.2.7. Desjardins offers smartphone app for insurance telematics in Canada
    • 4.2.8. Nationwide works with Octo Telematics, IMS, LexisNexis and TrueMotion
    • 4.2.9. Farmers offers insurance telematics for commercial lines powered by Modus
    • 4.2.10. Travelers offers smartphone-based UBI powered by TrueMotion
    • 4.2.11. Toyota and Aioi Nissay Dowa form telematics insurance services company
    • 4.2.12. iA Financial Group is no longer active in telematics
    • 4.2.13. CAA offers MyPace and Connect powered by Octo Telematics
    • 4.2.14. Sprint is no longer actively pursuing insurance telematics
    • 4.2.15. Root Insurance is a smartphone-based insurance company
    • 4.2.16. Mobileye and Munich Re collaborate to reduce fleet accidents in the US
    • 4.2.17. Progressive has launched a usage-based insurance product using ELDs
    • 4.2.18. True Mileage uses NFC and works with Ohio Mutual Insurance Group
    • 4.2.19. VOXX offers insurance telematics via its connected car offerings
    • 4.2.20. Spireon plans to add insurance telematics to its connected car products
    • 4.2.21. State Auto has a broad telematics portfolio focusing on both UBI and claims
    • 4.2.22. Hyundai, and Honda and GM OnStar joins Verisk Telematics Data Exchange
    • 4.2.23. CMT powers multiple smartphone-based pilots across the US
    • 4.2.24. Intact has sold 453,000 UBI policies in Canada
    • 4.2.25. Metromile is licencing its platform to external insurers

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 in the short term
    • 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. Commercial applications to grow alongside personal lines insurance telematics
    • 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 programmes are resurging
    • 5.4.14. Insurers to explore other IoT verticals
    • 5.4.15. The importance of consumer engagement rises rapidly
    • 5.4.16. Autonomous cars alter the playing field for motor insurance

6. Company profiles and strategies

  • 6.1. Agero
  • 6.2. Agnik
  • 6.3. Amodo
  • 6.4. Baseline Telematics
  • 6.5. Bosch Connected Devices and Solutions
  • 6.6. CalAmp
  • 6.7. Cambridge Mobile Telematics
  • 6.8. CCC Information Services
  • 6.9. DriveQuant
  • 6.10. Dolphin Technologies
  • 6.11. FairConnect (Infomobility)
  • 6.12. Greater Than
  • 6.13. IMETRIK Global
  • 6.14. Intelligent Mechatronic Systems (Trak Global Group)
  • 6.15. Insure Telematics Solutions
  • 6.16. Inzura
  • 6.17. LexisNexis
  • 6.18. Meta System
  • 6.19. Mobile Devices
  • 6.20. Modus
  • 6.21. MyDrive Solutions
  • 6.22. Octo Telematics
  • 6.23. Quartix
  • 6.24. Redtail Telematics
  • 6.25. Scope Technology
  • 6.26. Targa Telematics
  • 6.27. Teletrac Navman
  • 6.28. The Floow
  • 6.29. TomTom Telematics
  • 6.30. Trak Global
  • 6.31. Trakm8
  • 6.32. TrueMotion
  • 6.33. Verisk Analytics
  • 6.34. Viasat Group
  • 6.35. Vodafone Automotive
  • 6.36. Zendrive
  • Glossary

List of Figures

  • Figure 1.1: Vehicles in use (EU23+2 2017)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU28 2016)
  • Figure 1.3: Passenger car registrations by manufacturer (EU+EFTA 2017)
  • Figure 1.4: Vehicles in use (North America 2017)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2017)
  • Figure 1.6: Motor insurance statistics (EU23+2 2017)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2016)
  • 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: Folksam's in-cabin driver feedback device.
  • 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: Mobile network operators in Europe and North America (2018)
  • Figure 2.13: Europe cellular IoT connectivity market data (Q4-2018)
  • Figure 2.14: North America cellular IoT connectivity market data (Q4-2018)
  • Figure 2.15: Telematics strategies for insurance providers
  • Figure 3.1: Growth of insurance telematics at Generali (2012-2018)
  • Figure 3.2: Allianz's top telematics markets (Q4-2018)
  • Figure 3.3: Overview of the Your Portal interface for insurethebox policyholders
  • Figure 3.4: Direct Line's reward app Shotgun
  • Figure 3.5: 12V device from VHV
  • Figure 3.6: User interface and OBD device of Sijox's AppDrive powered by TomTom
  • Figure 3.7: Chipin's OBD device
  • Figure 3.8: HDI's DiamondDrive app
  • Figure 4.1: Progressive's Snapshot OBD-II telematics device supplied by Xirgo
  • Figure 4.2: State Farms's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2018)
  • Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2018)
  • Figure 4.5: Travelers IntelliDrive
  • Figure 4.6: Mobileye's aftermarket ADAS system
  • Figure 4.7: Schematic overview of Intact's coverage for Uber drivers
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2018-2023)
  • Figure 5.2: Insurance telematics policies and penetration by region in Europe
  • Figure 5.3: Insurance telematics policies and penetration (North America 2018-2023)
  • Figure 5.4: Insurance telematics policies by country (North America 2018-2023)
  • Figure 5.5: Distribution of insurance telematics form factors (Europe 2018-2023)
  • Figure 5.6: Distribution of insurance telematics form factors (North America 2018-2023)
  • Figure 5.7: Key players in the insurance telematics value chain
  • Figure 5.8: Leading insurance telematics programmes in Europe and North America
  • Figure 5.9: Examples of telematics hardware providers serving the insurance space
  • Figure 5.10: M&As in the insurance telematics space (2014-2019)
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