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欧洲和北美保险远端资讯处理市场 - 第九版
市场调查报告书
商品编码
1883062

欧洲和北美保险远端资讯处理市场 - 第九版

Insurance Telematics in Europe and North America - 9th Edition
出版日期: | 出版商: Berg Insight | 英文 220 Pages | 商品交期: 最快1-2个工作天内

价格

截至2024年底，欧洲保险远端资讯处理合约总数达到1,380万份。预计2029年，欧洲有效保险远端资讯处理合约数量将以7.8%的复合年增长率成长至2,010万份。在北美，预计保险远端资讯处理合约总数将从2024年底的约2,020万份成长至2029年的3,180万份。

本报告深入分析了欧洲和北美的保险远端资讯处理市场，透过对30家主要公司的访谈、最新的车辆拥有量数据以及对各国市场至2029年的预测，提供了相关见解。

目录

图表清单

摘要整理摘要

第一章：汽车市场

  • 欧洲汽车市场
    • 车辆保有量与车辆密度
    • 新车註册量和主要製造商
  • 北美汽车市场
    • 车辆保有量与车辆密度
    • 新车註册量和主要製造商
  • 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
    • 汽车保险公司精算工具箱的开发
  • 欧洲汽车保险市场
  • 北美汽车保险市场

第二章：保险远端资讯处理解决方案

  • 保险概论远距资讯处理
    • 基于远端资讯处理的保险定价原理
    • 保险远端资讯处理服务简史
  • 以使用量计费的保险及相关概念和应用
    • 人工报告
    • 以使用量计费的保险远端资讯处理 - PAYD、PHYD、MHYD、TBYB
    • 远端资讯处理资料的连续和限时记录
    • 以使用量计费与理赔相关的保险远距资讯处理
    • 个人/商业保险远距资讯处理
    • 保险远距资讯处理相关的加值服务
  • 保险远端资讯处理基础设施
    • 车辆细分市场
    • 保险公司细分市场
    • 最终用户细分市场
    • 网路细分市场
    • 全球导航卫星系统 (GNSS)细分市场
  • 商业模式
    • 内部开发
    • 利用远端资讯处理合作伙伴
    • 无需直接客户互动即可承保

第三章 欧洲保险远距资讯处理市场

  • 区域市场特征
    • 义大利
    • 德国
    • 英国
    • 法国
    • 比荷卢经济联盟
    • 中欧和东欧
    • 奥地利和瑞士
    • 伊比利半岛
    • 北欧国家
  • 保险远距资讯处理个案研究

第四章 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

第五章 市场预测与趋势

  • 市场分析
    • 欧洲及北美保险远距资讯处理政策及采用率
    • 欧洲和北美外形尺寸发展
  • 价值链分析
    • 保险公司
    • 远端资讯处理公司
    • 汽车公司
    • 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
    • 人工智慧驱动保险产业数据需求
    • 客户互动日益重要UBI
    • 保险公司同时采用 UBI 和理赔相关远距资讯处理技术
    • UBI 独立应用已整合到保险公司的主应用中
    • 欧盟数据法案的影响尚不清楚。
    • TSP 将作为 OEM 和保险公司之间处理连网汽车资料的中介。
    • 智慧型手机是业界最受欢迎的装置形态。
    • 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。
    • 智慧型手机和连网汽车数据解决方案的结合前景广阔。
    • 车队保险远端资讯处理技术为降低车队风险和成本提供了契机。
    • 各客户群对隐私的担忧正在逐渐减少。
    • 保险远端资讯处理技术旨在减少分心驾驶。
    • 随着驾驶习惯的改变，依里程计费的保险计划越来越受欢迎。
    • 保险远端资讯处理技术的概念预计将继续扩展。
    • 自动驾驶汽车正在改变汽车保险的模式。
    • 新型出行方式为基于远端资讯处理的保险创造了新的机会。
    • 远端资讯处理保险理念适用于更多类型的车辆。
    • 展望：远距资讯处理保险在其他地区也发展迅速。

第6章 企业的简介与策略

  • Agero
  • Arity
  • Azuga (Bridgestone)
  • Cambridge Mobile Telematics
  • CCC Intelligent Solutions
  • ClearScore
  • Danlaw
  • Dolphin Technologies
  • DriveQuant
  • Earnix
  • FairConnect Group
  • Greater Than
  • Howden Driving Data (Howden Group)
  • IMS
  • LexisNexis Risk Solutions
  • MOTER Technologies
  • Munic
  • OCTO Telematics
  • OSeven Telematics
  • Radius Telematics
  • Redtail Telematics
  • Sentiance
  • Smith System
  • Scope Technology
  • Sycada
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Valtech Mobility
  • Vodafone Automotive
  • Webfleet
  • Xirgo
  • 缩写和简称的清单

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 13.8 million at the end of 2024. Growing at a compound annual growth rate of 7.8 percent, the number of active insurance telematics policies in Europe is estimated to reach 20.1 million by 2029. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 20.2 million policies at the end of 2024 to reach 31.8 million policies by 2029. Get up to date with the latest industry trends in this new 220-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 2029.

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. Germany
    • 3.1.3. United Kingdom
    • 3.1.4. France
    • 3.1.5. Benelux
    • 3.1.6. Central and Eastern Europe
    • 3.1.7. Austria and Switzerland
    • 3.1.8. Iberia
    • 3.1.9. The Nordics
  • 3.2. Insurance telematics case studies
    • 3.2.1. Four million vehicles insured by Unipol 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 has refocused its insurance telematics portfolio in Europe
    • 3.2.5. Admiral Group has multiple insurance telematics programs in Europe
    • 3.2.6. Insure The Box exited the UBI market in 2024
    • 3.2.7. Aviva completed the acquisition of Direct Line Group in July 2025
    • 3.2.8. Zego shifts strategic focus from B2B to B2C for its UBI portfolio
    • 3.2.9. Howden Group consolidates broking businesses under a single brand
    • 3.2.10. Acorn Insurance offers UBI through the Carrot and Acorn brands
    • 3.2.11. Markerstudy Group acquires Atlanta Group
    • 3.2.12. RSA offers UBI in Ireland via 123.ie
    • 3.2.13. AbbeyAutoline (Prestige) offers UBI in partnership with Howden Driving Data
    • 3.2.14. Hastings Direct and CMT announce partnership renewal for YouDrive
    • 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 offers smartphone-based telematics since 2019
    • 3.2.18. VHV's Telematik Garant has switched to a mobile-based telematics solution
    • 3.2.19. Neodigital fully acquired by HUK-COBURG in 2025
    • 3.2.20. Groupama offers insurance telematics in multiple countries
    • 3.2.21. MAPFRE provides insurance telematics products in Spain
    • 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 offers UBI in Slovenia
    • 3.2.25. Warta offers app-based UBI in Poland
    • 3.2.26. HDI Global offers telematics solutions in the UK, Germany and Italy
    • 3.2.27. Zurich partners with MGA Freedom Services in the UK
    • 3.2.28. Paydrive offers UBI in Sweden
    • 3.2.29. VIS pioneers telematics insurance in Iceland
    • 3.2.30. ABAX launches commercial UBI insurance
    • 3.2.31. KIA and LexisNexis Risk Solutions partner to offer OEM telematics-based UBI

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
    • 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 leverages smartphone-based telematics to offer UBI
    • 4.2.13. USAA relaunches its UBI offerings
    • 4.2.14. Progressive offers two commercial UBI products
    • 4.2.15. Nationwide offers commercial lines insurance telematics solutions
    • 4.2.16. Philadelphia Insurance Companies offers fleet insurance telematics
    • 4.2.17. Ohio Mutual Insurance Group offers app-based UBI in seven states
    • 4.2.18. Liberty Mutual strengthened its UBI offering with the State Auto acquisition
    • 4.2.19. CMT powers multiple safe driving contests in the US
    • 4.2.20. Intact bets on smartphone-based telematics solutions
    • 4.2.21. Lemonade fully integrates Metromile as its pay-per-mile insurance offering
    • 4.2.22. American Family Insurance offers two UBI programs
    • 4.2.23. HDVI pioneers telematics UBI for fleets of semi-trailer trucks
    • 4.2.24. Tesla to underwrite its own telematics insurance policies
    • 4.2.25. Pouch and Mojio partner to offer fleet insurance to small businesses
    • 4.2.26. TD Insurance chooses IMS to power its next-generation UBI
    • 4.2.27. Wawanesa Insurance offers app-based UBI powered by The Floow

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. 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. AI to drive the need for data in the insurance industry
    • 5.4.2. Customer engagement becomes increasingly important for UBI
    • 5.4.3. Insurers embrace both UBI and claims-related insurance telematics
    • 5.4.4. UBI standalone apps are being integrated into insurers' main apps
    • 5.4.5. The impact of the EU Data Act remains to be seen
    • 5.4.6. TSPs as intermediaries between OEMs and insurers for connected car data
    • 5.4.7. The smartphone is the most favoured form factor in the industry
    • 5.4.8. Insurers begin to offer wider functionality in their app-based UBI solutions
    • 5.4.9. Combined smartphone and connected car data solutions show promise
    • 5.4.10. Fleet insurance telematics is an opportunity to reduce fleet risks and costs
    • 5.4.11. Privacy concerns are softening across customer segments
    • 5.4.12. Insurance telematics aims to reduce distracted driving
    • 5.4.13. Pay-per-mile insurance programs gain popularity as driving habits shift
    • 5.4.14. Continued broadening of the insurance telematics concept is expected
    • 5.4.15. Autonomous cars alter the playing field for motor insurance
    • 5.4.16. New mobility forms provide new opportunities for telematics-based insurance
    • 5.4.17. The insurance telematics concept to be applicable for more vehicle types
    • 5.4.18. Outlook: Insurance telematics is growing rapidly in other regions

6. Company Profiles and Strategies

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

List of Figures

  • Figure 1.1: Vehicles in use (EU27+EFTA+UK 2023)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU27+EFTA+UK 2023)
  • Figure 1.3: Passenger car registrations by manufacturer (EU+UK+EFTA 2024)
  • Figure 1.4: Vehicles in use (North America 2024)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2024)
  • Figure 1.6: Motor insurance statistics (EU22+3 2023)
  • Figure 1.7: Motor insurance revenues (USA 2023-2024)
  • Figure 1.8: Motor insurance revenues by state (Canada 2023-2024)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (The US 2023)
  • 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: Example of a windscreen-mounted Bluetooth device from CMT
  • Figure 2.7: GDV-Stecker 12 V device provided by Bosch
  • Figure 2.8: Nextbase's Dash Cam 522 GW and Rear Window Cam module
  • Figure 2.9: Schematic insurance telematics risk rating process
  • Figure 2.10: Web- and smartphone-based interfaces and dashboards for end-users
  • Figure 2.11: Telematics strategies for insurance providers
  • Figure 3.1: Allianz's top telematics markets (Q3-2025)
  • Figure 3.2: Marmalade Young Driver app and tag developed by CMT
  • Figure 3.3: Windscreen device and app from VHV
  • Figure 4.1: Progressive's Snapshot mobile interface
  • Figure 4.2: State Farm's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2024)
  • Figure 4.4: Travelers IntelliDrive
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2024-2029)
  • Figure 5.2: Insurance telematics policies and penetration (North America 2024-2029)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2024-2029)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2024-2029)
  • 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 (2014-2025)
  • Figure 6.1: Munic's C4 OBD-II V8 and the new C4R Max V8 dongles