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欧洲和北美的保险远端资讯处理市场 - 第八版
市场调查报告书
商品编码
1619721

欧洲和北美的保险远端资讯处理市场 - 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个工作天内

价格

到 2023 年底，欧洲市场有效保险远端资讯处理保单数量预计将达到 1,300 万。预计到 2028 年将达到 1,760 万，复合年增长率为 6.2%。在北美，有效保险远端资讯处理保单数量预计将从 2023 年底的 1,790 万份增长到 2028 年的 2,630 万份。

本报告对欧洲和北美保险远端资讯处理市场进行了分析，包括对 30 家关键公司进行访谈的见解、市场趋势和关键发展以及到 2028 年的逐国市场预测。

目录

图表列表

执行摘要

第 1 章 汽车市场

  • 欧洲汽车市场
    • 在用车辆数量和车辆密度
    • 新车註册数量和主要製造商
  • 北美汽车市场
    • 在用车辆数量和车辆密度
    • 新车註册数量和主要製造商
  • 汽车保险
    • 基本保险术语和分类
    • 汽车保险基础知识
    • 传统汽车保险风险评估与定价标准
    • 为汽车保险公司开发精算工具箱
  • 欧洲汽车保险市场
  • 北美汽车保险市场

第 2 章 保险远端资讯处理解决方案

  • 保险远距资讯处理简介
    • 基于远端资讯处理的保险定价基础
    • 保险远端资讯处理服务简史
    基于使用情况的保险、相关概念和应用
    • 手动报告
    • 基于使用情况的保险远端资讯处理 - PAYD、PHYD、MHYD、TBYB
    • 持续且限时记录远端资讯处理数据 基于使用情况的定价与与索赔相关的保险远端资讯处理
    • 个人与商业保险远距资讯处理
    • 保险远距资讯处理相关加值服务
  • 保险远端资讯处理基础设施
    • 车辆细分市场
    • 保险公司细分
    • 最终用户细分
    • 网路段
    • GNSS 段
  • 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即可承保

第 3 章：欧洲保险远端资讯处理市场

  • 区域市场特征
    • 义大利
    • 英国
    • 西班牙国家航空
    • 法国
    • 比荷卢三国
    • 奥地利和瑞士
    • 北欧国家
    • 德国
    • 中欧和东欧
  • 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

  • 区域市场特征
    • 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
    • 欧洲和北美的保险远端资讯处理政策和渗透率
    • 欧洲和北美的外形发展
  • 价值链分析
    • 保险业的公司
    • 远端资讯处理行业的公司
    • 汽车业的公司
    • 通讯业的公司
    • IT 产业的公司
    • 保险远距资讯处理领域的併购
  • 市场推动因素与障碍
    • 宏观经济环境
    • 监理环境
    • 竞争环境
    • 科技环境
  • 产业趋势
    • 客户参与对 UBI 来说将变得越来越重要
    • 保险远端资讯处理的概念预计将继续扩大
    • 保险公司将采用 UBI 和理赔相关的远距资讯处理技术
    • 智慧型手机是业界最受欢迎的机型
    • 连网汽车为大众市场保险远端资讯处理铺平了道路
    • 智慧型手机和连网汽车数据的结合前景广阔
    • 车队保险远端资讯处理是降低车队风险和成本的机会
    • 不同客户群的隐私担忧正在缓解
    • 大数据：远端资讯处理资料所有权和可携性受到严格审查
    • 保险远端资讯处理旨在减少分心驾驶
    • 行动趋势为基于远端资讯处理的保险带来新机遇
    • 连网汽车的车辆诊断数据可能对保险公司很有价值 展望：保险远端资讯处理在其他地区快速成长
    • 随着驾驶习惯的改变，基于里程的保险计划越来越受欢迎 保险公司探索其他物联网产业
    • 保险远端资讯处理概念可适用于更多车型
    • 自动驾驶汽车将改变汽车保险的竞争格局
    • 涉及基于使用情况的保险产品的汽车原始设备製造商
    • 保险公司将开始透过基于应用程式的 UBI 解决方案提供更广泛的功能 人工智慧推动保险业数据需求

第6章 公司概况及策略

  • 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
  • 首字母缩写和缩写列表

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