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欧洲和北美保险远端资讯处理市场 - 第七版
市场调查报告书
商品编码
1357224

欧洲和北美保险远端资讯处理市场 - 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个工作天内

价格

欧洲市场上活跃的保险远端资讯处理保单数量预计将从 2022 年底的 1,360 万份增至 2027 年的 2,070 万份，复合年增长率为 8.9%。 此外，到 2027 年，北美活跃的保险远端资讯处理保单数量预计将从 2022 年底的 1,680 万份增至 2,920 万份。

本报告研究和分析了欧洲和北美的保险远端资讯处理市场，并提供了对30 家主要公司的高阶主管访谈、市场趋势以及63 个保险远端资讯处理计划的案例研究的见解。

目录

图表列表

执行摘要

第 1 章汽车市场

  • 欧洲汽车市场
    • 使用车辆和车辆密度
    • 新车登记和主要製造商
  • 北美汽车市场
    • 使用车辆和车辆密度
    • 新车登记和主要製造商
  • 汽车保险
    • 基本保险术语和分类
    • 汽车保险基础知识
    • 传统车险风险评估与定价标准
    • 为汽车保险公司开发保险统计工具箱
  • 欧洲汽车保险市场
  • 北美汽车保险市场

第 2 章保险远距资讯处理解决方案

  • 保险远距资讯处理简介
    • 基于远端资讯处理的保单定价的基本原理
    • 保险远端资讯处理产品简史
  • 基于使用的保险、相关概念和应用
  • 保险远端资讯处理基础设施
    • 车辆部分
    • 保险公司分部
    • 最终用户细分
    • 网段
    • GNSS 部分
  • 商业模式
    • 内部开发
    • 利用远端资讯处理合作伙伴
    • 无需与客户直接互动的承保

第 3 章欧洲保险远距资讯处理市场

  • 区域市场的特点
    • 义大利
    • 英国
    • 伊比利半岛
    • 奥地利
    • 法国
    • 比荷卢经济联盟
    • 瑞士
    • 北欧国家
    • 德国
    • 中欧/东欧
  • 保险远距资讯处理个案研究

第 4 章北美保险远距资讯处理市场

  • 区域市场的特点
    • 美国
    • 加拿大
  • 保险远距资讯处理个案研究

第 5 章市场预测与趋势

  • 市场分析
    • 欧洲和北美的保险合约数量和保险远端资讯处理的渗透率
    • 欧洲和北美外形尺寸的发展
  • 价值链分析
    • 保险业公司
    • 远端资讯处理行业的公司
    • 汽车业的公司
    • 电信业的公司
    • IT 产业的公司
    • 保险远距资讯处理领域的併购
  • 市场驱动因素与障碍
    • 宏观经济环境
    • 监理环境
    • 竞争环境
    • 科技环境
  • 未来产业趋势
    • 保险远距资讯处理概念可望继续扩大
    • 保险公司预计将采用 UBI 和索赔相关的保险远端资讯处理
    • 外形规格迁移以优先考虑行动设备
    • 连网汽车为大众市场保险远端资讯处理铺平了道路
    • 车辆保险远端资讯处理扰乱车辆追踪市场
    • 各个客户群对隐私的担忧正在缓解
    • 大数据：需要仔细审查远端资讯处理资料的所有权和移动性
    • 保险远端资讯处理旨在减少粗心驾驶
    • 行动趋势为基于远端资讯处理的保险创造了新机遇
    • 连网汽车的车辆诊断数据可以为保险公司创造价值
    • 展望：保险远距资讯处理在其他地区也正在快速成长
    • 按里程付费保险计划正在捲土重来
    • 保险公司探索其他物联网产业
    • 适用于更多车型的保险远端资讯处理概念
    • 自动驾驶汽车将改变汽车保险的竞争环境
    • 汽车原始设备製造商押注于保险远端资讯处理
    • 保险公司开始透过基于应用的 UBI 解决方案提供更广泛的功能

第 6 章公司简介与策略

  • 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
  • 首字母缩写词和缩写词列表

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)