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歐洲和北美的保險遠端資訊處理市場 - 第八版
市場調查報告書
商品編碼
1619721

歐洲和北美的保險遠端資訊處理市場 - 第八版

Insurance Telematics in Europe and North America - 8th 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

到 2023 年底，歐洲市場有效保險遠端資訊處理保單數量預計將達到 1,300 萬。預計到 2028 年將達到 1,760 萬，複合年增長率為 6.2%。在北美，有效保險遠端資訊處理保單數量預計將從 2023 年底的 1,790 萬份增長到 2028 年的 2,630 萬份。

本報告對歐洲和北美保險遠端資訊處理市場進行了分析，包括對 30 家關鍵公司進行訪談的見解、市場趨勢和關鍵發展以及到 2028 年的逐國市場預測。

目錄

圖表列表

執行摘要

第 1 章 汽車市場

  • 歐洲汽車市場
    • 在用車輛數量和車輛密度
    • 新車註冊數量和主要製造商
  • 北美汽車市場
    • 在用車輛數量和車輛密度
    • 新車註冊數量和主要製造商
  • 汽車保險
    • 基本保險術語和分類
    • 汽車保險基礎知識
    • 傳統汽車保險風險評估與定價標準
    • 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 保險遠端資訊處理解決方案

  • 保險遠距資訊處理簡介
    • 基於遠端資訊處理的保險定價基礎
    • 保險遠端資訊處理服務簡史
    基於使用情況的保險、相關概念和應用
    • 手動報告
    • 基於使用情況的保險遠端資訊處理 - PAYD、PHYD、MHYD、TBYB
    • 持續且限時記錄遠端資訊處理數據 基於使用情況的定價與與索賠相關的保險遠端資訊處理
    • 個人與商業保險遠距資訊處理
    • 保險遠距資訊處理相關加值服務
  • 保險遠端資訊處理基礎設施
    • 車輛細分市場
    • 保險公司細分
    • 最終用戶細分
    • 網路段
    • GNSS 段
  • 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即可承保

第 3 章：歐洲保險遠端資訊處理市場

  • 區域市場特徵
    • 義大利
    • 英國
    • 西班牙國家航空
    • 法國
    • 比荷盧三國
    • 奧地利和瑞士
    • 北歐國家
    • 德國
    • 中歐和東歐
  • 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

  • 區域市場特徵
    • 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
    • 歐洲和北美的保險遠端資訊處理政策和滲透率
    • 歐洲和北美的外形發展
  • 價值鏈分析
    • 保險業的公司
    • 遠端資訊處理行業的公司
    • 汽車業的公司
    • 通訊業的公司
    • IT 產業的公司
    • 保險遠距資訊處理領域的併購
  • 市場推動因素與障礙
    • 宏觀經濟環境
    • 監理環境
    • 競爭環境
    • 科技環境
  • 產業趨勢
    • 客戶參與對 UBI 來說將變得越來越重要
    • 保險遠端資訊處理的概念預計將繼續擴大
    • 保險公司將採用 UBI 和理賠相關的遠距資訊處理技術
    • 智慧型手機是業界最受歡迎的機型
    • 連網汽車為大眾市場保險遠端資訊處理鋪平了道路
    • 智慧型手機和連網汽車數據的結合前景廣闊
    • 車隊保險遠端資訊處理是降低車隊風險和成本的機會
    • 不同客戶群的隱私擔憂正在緩解
    • 大數據：遠端資訊處理資料所有權和可攜性受到嚴格審查
    • 保險遠端資訊處理旨在減少分心駕駛
    • 行動趨勢為基於遠端資訊處理的保險帶來新機遇
    • 連網汽車的車輛診斷數據可能對保險公司很有價值 展望：保險遠端資訊處理在其他地區快速成長
    • 隨著駕駛習慣的改變，基於里程的保險計劃越來越受歡迎 保險公司探索其他物聯網產業
    • 保險遠端資訊處理概念可適用於更多車型
    • 自動駕駛汽車將改變汽車保險的競爭格局
    • 涉及基於使用情況的保險產品的汽車原始設備製造商
    • 保險公司將開始透過基於應用程式的 UBI 解決方案提供更廣泛的功能 人工智慧推動保險業數據需求

第6章 公司概況及策略

  • Agero
  • Arity
  • Azuga (Bridgestone)
  • Brightmile
  • CalAmp
  • Cambridge Mobile Telematics
  • CCC Intelligent Solutions
  • ClearScore
  • Conneqtech
  • Dolphin Technologies
  • Earnix
  • FairConnect Group
  • Greater Than
  • Howden Driving Data (Howden Group)
  • IMS
  • Inzura
  • LexisNexis Risk Solutions
  • Meta System
  • Motix Connected
  • Munic
  • OCTO Telematics
  • OSeven Telematics
  • Powerfleet (Movingdots)
  • Radius Telematics
  • Redtail Telematics
  • Sentiance
  • Scope Technology
  • Sycada
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Valtech Mobility
  • Verisk Analytics
  • Vodafone Automotive
  • Webfleet
  • Xirgo Technologies
  • ZenDrive
  • 首字母縮寫和縮寫列表

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 13.0 million at the end of 2023. Growing at a compound annual growth rate of 6.2 percent, the number of active insurance telematics policies in Europe is estimated to reach 17.6 million by 2028. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 17.9 million policies at the end of 2023 to reach 26.3 million policies by 2028. 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 58 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 2028.

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. France
    • 3.1.5. Benelux
    • 3.1.6. Austria and Switzerland
    • 3.1.7. The Nordics
    • 3.1.8. Germany
    • 3.1.9. 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 acquires pay-per-mile insurer By Miles
    • 3.2.8. Aviva introduces app-based UBI in the UK
    • 3.2.9. Zego offers behavioural based pricing for UK fleets
    • 3.2.10. Howden Group consolidates broking businesses under single brand
    • 3.2.11. Acorn Insurance offers UBI through the Carrot and Acorn brands
    • 3.2.12. Markerstudy Group acquires Atlanta Group
    • 3.2.13. RSA offers UBI in Ireland via 123.ie
    • 3.2.14. AbbeyAutoline (Prestige) renews ChilliDrive with Howden Driving Data
    • 3.2.15. Stellantis has a long experience in UBI on the European market
    • 3.2.16. Mercedes-Benz offers UBI in Germany, Belgium and France
    • 3.2.17. HUK-Coburg relaunched Telematik Plus in 2019
    • 3.2.18. VHV's Telematik Garant switched to a mobile based telematics solution
    • 3.2.19. Young digital insurtech company Neodigital bets on PHYD car insurance
    • 3.2.20. Groupama offers insurance telematics in multiple countries
    • 3.2.21. MAPFRE provides insurance telematics products in Spain and the US
    • 3.2.22. OSA and Sparkassen Versicherung offer eCall services in Germany
    • 3.2.23. GDV launches eCall service with participating German insurers
    • 3.2.24. Zavarovalnica Triglav brings UBI to Slovenia
    • 3.2.25. Warta pilots app-based UBI in Poland
    • 3.2.26. HDI Global offers telematics solutions in the UK and Italy
    • 3.2.27. Zurich partners with MGA Freedom Services in the UK
    • 3.2.28. If Insurance has long experience of telematics in the Nordics
    • 3.2.29. Paydrive leverages aftermarket and OEM telematics for UBI
    • 3.2.30. VIS pioneers telematics insurance in Iceland
    • 3.2.31. ABAX launches commercial UBI insurance

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-II, smartphone and OEM telematics data
    • 4.2.7. Farmers offers mobile-based insurance telematics from Driveway Software
    • 4.2.8. Travelers offers UBI powered by Cambridge Mobile Telematics
    • 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. Ohio Mutual Insurance Group offers app-based UBI in seven states
    • 4.2.19. Liberty Mutual strengthens UBI client base with State Auto acquisition
    • 4.2.20. Verisk Telematics Exchange popular among OEMs before 2024 termination
    • 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. Industry trends
    • 5.4.1. Customer engagement becomes increasingly important for UBI
    • 5.4.2. Continued broadening of the insurance telematics concept is expected
    • 5.4.3. Insurers will embrace both UBI and claims-related insurance telematics
    • 5.4.4. Smartphone is the most favoured form factor in the industry
    • 5.4.5. Connected cars pave the way for mass-marketisation of insurance telematics
    • 5.4.6. Combined smartphone and connected car data shows promise
    • 5.4.7. Fleet insurance telematics is an opportunity to reduce fleet risks and costs
    • 5.4.8. Privacy concerns are softening across customer segments
    • 5.4.9. Big Data: Ownership and portability of telematics data to be scrutinised
    • 5.4.10. Insurance telematics aims to reduce distracted driving
    • 5.4.11. Mobility trends provide new opportunities for telematics-based insurance
    • 5.4.12. Vehicle diagnostics data from connected cars can create value for insurers
    • 5.4.13. Outlook: Insurance telematics is growing rapidly in other regions
    • 5.4.14. Pay-per-mile insurance programs gain popularity as driving habits shift
    • 5.4.15. Insurers to explore other IoT verticals
    • 5.4.16. The insurance telematics concept to be applicable for more vehicle types
    • 5.4.17. Autonomous cars alter the playing field for motor insurance
    • 5.4.18. Automotive OEMs involved in usage-based insurance products
    • 5.4.19. Insurers begin to offer wider functionality in their app-based UBI solutions
    • 5.4.20. AI to drive the need for data in the insurance industry

6. Company Profiles and Strategies

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

List of Figures

  • Figure 1.1: Vehicles in use (EU+EFTA+UK 2022)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU+EFTA+UK 2022)
  • Figure 1.3: Passenger car registrations by manufacturer (EU+UK+EFTA 2023)
  • Figure 1.4: Vehicles in use (North America 2022)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2023)
  • Figure 1.6: Motor insurance statistics (EU22+3 2022)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (The US 2022)
  • 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 (Q4-2024)
  • 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 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 (2011-2023)
  • 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 2023-2028)
  • Figure 5.2: Insurance telematics policies by country (North America 2023-2028)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2023-2028)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2023-2028)
  • 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 (2014-2024)
  • Figure 6.1: Munic's C4 OBD-II V8 and the new C4R Max V8 dongles