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欧州と北米のテレマティクス保険(第3版)

Insurance Telematics in Europe and North America – 3rd Edition

 

出版社 出版年月冊子体価格電子版価格 ページ数
Berg Insight
ベルグインサイト社
2017年12月Eur1,000Eur1,500
1-5ユーザライセンス(PDF)
230

サマリー

スウェーデンの調査会社ベルグインサイト社(Berg Insight)の調査レポート「欧州と北米のテレマティクス保険(第3版)」は、欧州と北米のテレマティクス保険(利用ベースの自動車保険)市場を調査し、最新の動向を解説している。欧州市場の2016年末時点のテレマティクス保険の契約総数(保険証券の発行数)は670万で、年平均成長率(CAGR)34.8%で成長し、2021年には3000万となるだろう。北米市場では、2016年末時点で700万の有効契約数から2021年には3520万に達するだろう。企業の意思決定に役立つ5年間の市場予測、専門家のコメント等の独自のビジネス情報を記載している。

目次(抜粋)

  1. 自動車市場
    • 欧州と北米の自動車市場
    • 自動車保険
    • 欧州と北米の自動車保険
  2. テレマティクス保険ソリューション
    • テレマティクス保険とは
    • 利用に応じた保険と関連概念と用途
    • テレマティクス保険の基盤
    • ビジネスモデル
  3. 欧州のテレマティクス保険市場
    • 欧州の特徴 - イタリア、英国、その他の欧州諸国
    • テレマティクス保険のケーススタディ
  4. 北米のテレマティクス保険市場
    • 北米の特徴 - 米国、カナダ
    • テレマティクス保険のケーススタディ
  5. 市場予測と動向
    • 市場分析
    • バリューチェーン分析
    • 市場促進要因と阻害要因
    • 今後の業界動向
  6. 企業情報と戦略

 

Description

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 6.7 million at the end of 2016. Growing at a compound annual growth rate of 34.8 percent, the number of active insurance telematics policies in Europe is estimated to reach 30.0 million by 2021. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 7.0 million policies at the end of 2016 to reach 35.2 million policies by 2021. Get up to date with the latest industry trends in this new 230-page strategy report from Berg Insight.
 


 

Insurance Telematics in Europe and North America is the third strategy report from Berg Insight analysing the latest developments on the insurance telematics market.

This strategic research report from Berg Insight provides you with 230 pages of unique business intelligence including 5-year industry forecasts and expert commentary on which to base your business decisions.

Highlights from this 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 more than 50 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 2021.

Europe and North America reached 18.4 million insurance telematics policies at year-end 2017

The integration of telematics technology constitutes the latest revolution for the automotive insurance industry. The concept of telematics is a portmanteau of telecommunications – long-distance communication – and informatics – the science of information. Telematics in general thus refers to the collection of information related to remote objects such as vehicles via telecommunication networks. The introduction of telematics technology in the context of automotive insurance is commonly referred to as usage-based insurance (UBI) or insurance telematics. Solutions of this type generally enable automotive insurers to improve pricing mechanisms based on actual driving data, gain better control of claims and differentiate their offerings to current and prospective policyholders. Variants of insurance telematics which have been popularised over the years include behaviour-based pricing models such as Pay-As-You-Drive (PAYD), Pay-How-You-Drive (PHYD) and Manage-How-You-Drive (MHYD).

The addressable market for insurance telematics is significant. A total of around 283 million vehicles were in use in EU23+2 in 2016, including over 247 million passenger cars. In North America, an estimated total of around 276 million vehicles were in use in 2016, out of which passenger cars and light trucks are estimated to represent almost 262 million vehicles. Some kind of basic automotive insurance is mandatory in most developed countries and there are in addition a number of subcategories of insurance that provide coverage for different types of unforeseen events involving motor vehicles. Motor gross written premiums in EU23+2 reached a total of over € 125 billion in 2015. The equivalent number for North America was US$ 214 billion (€ 183 billion) in 2016.


 

The nascent insurance telematics market is currently in a phase of strong growth which is expected to accelerate in the coming years. Europe and North America so far represent the vast majority of all insurance telematics programmes and active policies from an international perspective, and the front-running national markets include the US, Italy and the UK. Berg Insight estimates that the total number of insurance telematics policies in force on the European market reached 6.8 million at the end of 2016. Growing at a compound annual growth rate of 34.8 percent, the number of insurance telematics policies in force in Europe is estimated to reach 30.0 million by 2021. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 7.0 million policies at the end of 2016 to reach 35.2 million policies by 2021, representing a compound annual growth rate of 38.2 percent.

In the US, the top three insurers in terms of UBI policies have all introduced smartphone-based solutions to supplement or replace the previously used OBD dongles. Several US and Canadian insurers have during the recent year re-assessed and re-launched their telematics programmes. The European insurance telematics market is still dominated by insurers in Italy and the UK, with an estimated 5.3 million and 0.79 million policies respectively. Uptake on all other markets are considerably lower, with between 50,000 and 100,000 policies in Spain, Germany, Austria and France, and between 20,000–30,000 policies in Benelux, Switzerland and Scandinavia.

The insurance telematics value chain spans multiple industries. Insurers with notable presence in the insurance telematics market include Progressive, UnipolSai, State Farm, Allstate, Generali, Allianz, Admiral, AXA, Liberty Mutual, Intact and Insure The Box. Insurance players can either develop telematics programmes independently or rely on partners to varying degrees. Renowned telematics suppliers active in the insurance field for example include Octo Telematics, Vodafone Automotive, Viasat Group and LexisNexis Risk Solutions. Intelligent Mechatronic Systems, Cambridge Mobile Telematics, The Floow, TrueMotion, Modus and Scope Technologies are also notable players on the market. Automotive OEMs are increasingly taking an active part in the ecosystem. Examples include General Motors, Ford, Renault-Nissan, BMW, Daimler and Fiat. The insurance telematics market has seen significant M&A activity in recent years, involving diverse players from many parts of the ecosystem. Notable deals in 2015 include Generali Group’s acquisition of the UK start-up MyDrive Solutions and CCC Information Services’ acquisition of DriveFactor. In 2016, Willis Group and Towers Watson merged and Intact Insurance made an investment in Metromile. Later in 2016, Metromile acquired Mosaic Insurance. In 2017, the most noteworthy deal was Octo Telematics’ acquisition of the UBI assets of Willis Towers Watson.
 

This report answers the following questions:

  • What types of insurance telematics products are offered on the market?
  • Which are the leading providers of insurance telematics technology?
  • What business models are available for insurers entering the insurance telematics space?
  • Which are the dominant technology form factors on each market?
  • Which are the most successful insurance telematics programs today?
  • How are mobile operators approaching the insurance telematics market?
  • How are the vehicle OEMs involved in the ecosystem?
  • Which are the major drivers and barriers for insurance telematics adoption?
  • Which are the key future trends in this industry?

Who should buy this report?

Insurance Telematics in Europe and North America is the foremost source of information about the insurance telematics markets in these regions. Whether you are a telematics vendor, insurance company, vehicle manufacturer, telecom operator, investor, consultant, or government agency, you will gain valuable insights from our in-depth research.


Related products

  • The Carsharing Telematics Market
  • The Global Automotive OEM Telematics Market
  • Fleet Management in Europe
  • The Future of Autonomous Cars


目次

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 Scandinavia
3.1.9 Germany
3.1.10 Eastern Europe
3.2 Insurance telematics case studies
3.2.1 Italian insurer UnipolSai has an installed base of over
3.1 million blackboxes
3.2.2 Generali continues to grow and surpasses 1.3 million active policyholders
3.2.3 Allianz’s dedicated Telematics subsidiary serves several European operations
3.2.4 AXA offers its insurance telematics portfolio in multiple European countries
3.2.5 Admiral Group reached 200,000 active insurance telematics policies in 2016
3.2.6 Insure The Box has sold 750,000 blackbox-based policies in the UK
3.2.7 Direct Line grows rapidly in the UK and has over 100,000 active UBI policies
3.2.8 Aviva Drive app has reached over 600,000 downloads in the UK
3.2.9 UK-based Ingenie expands its portfolio providing B2B services
3.2.10 Towergate’s iKube policies are powered by TomTom Telematics
3.2.11 Fiat, Volkswagen and MINI works with Carrot Insurance and Trak Global
3.2.12 Marmalade targets young drivers
3.2.13 RSA has launched UBI programmes in the UK, Canada and Norway
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 partners for fleet insurance
3.2.17 PSA Finance UK offers telematics-based insurance to young drivers
3.2.18 BMW’s ConnectedDrive enables UBI powered by Allianz in the UK
3.2.19 Renault-Nissan Alliance partners with The Floow
3.2.20 Daimler Financial Services offers UBI in Belgium, France and Germany
3.2.21 HUK-Coburg offers PHYD for young drivers in Germany
3.2.22 VHV’s Telematik Garant uses a 12V device with builtin connectivity
3.2.23 German insurer Signal Iduna launches UBI based on TomTom OBD device
3.2.24 Telefónica moves to smartphone-only solutions
3.2.25 UNIQA SafeLine powered by Dolphin Technologies has a focus on safety
3.2.26 Groupama in France has launched PHYD insurance
3.2.27 Chipin has 5,000 insurance telematics end users on the Dutch market
3.2.28 Spanish MAPFRE Group has also launched insurance telematics in the US
3.2.29 ÖSA and Sparkassen Versicherung offers eCall services in Germany
3.2.30 GDV launches eCall service with 46 participating German insurers
3.2.31 Zavarovalnica Triglav works with Amodo to bring UBI to Eastern Europe
3.2.32 HDI Global SE provides telematics-based fleet insurance in the UK
3.2.33 Springworks powered Telia Sense is used by Folksam and Alka
3.2.34 Paydrive offers UBI in Sweden powered by Scope Technologies

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 smartphone solution using a Bluetooth beacon
4.2.3 Allstate has reached 1.0 million active UBI policyholders
4.2.4 Esurance announced the DriveSense mobile app in June 2016
4.2.5 Liberty Mutual offers both commercial and personal lines insurance telematics
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 Toyota and Aioi Nissay Dowa form telematics insurance services company
4.2.11 iA Financial Group will pause its insurance telematics programme in 2018
4.2.12 Sprint is no longer actively pursuing insurance telematics
4.2.13 Root Insurance is a smartphone-based insurance company
4.2.14 Mobileye and Munich Re collaborate to reduce fleet accidents in the US
4.2.15 True Mileage uses NFC and works with Ohio Mutual Insurance Group
4.2.16 VOXX offers insurance telematics via its connected car offerings
4.2.17 Spireon adds insurance telematics to its NSpire platform
4.2.18 GM OnStar joins Verisk Telematics Data Exchange as the first OEM
4.2.19 CMT powers multiple smartphone-based pilots across the US
4.2.20 Samsung enters the telematics market by launching Samsung Connect Auto
4.2.21 Intact has sold 350,000 UBI policies in Canada
4.2.22 Metromile is now a full-service car insurance company

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 The importance of consumer engagement rises rapidly
5.4.14 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 Dolphin Technologies
6.10 Geotab
6.11 Greater Than
6.12 IMETRIK Global
6.13 Intelligent Mechatronic Systems
6.14 Insure Telematics Solutions
6.15 Inzura
6.16 Meta System
6.17 Modus
6.18 MyDrive Solutions
6.19 LexisNexis (Wunelli)
6.20 Octo Telematics
6.21 Quartix
6.22 Redtail Telematics
6.23 Scope Technologies
6.24 Teletrac Navman
6.25 The Floow
6.26 TomTom Telematics
6.27 Trakm8
6.28 TrueMotion
6.29 Verisk Analytics
6.30 Viasat Group
6.31 Vodafone Automotive
6.32 Willis Towers Watson
6.33 Zurich Fleet Intelligence

Glossary
 

 

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プレスリリース

[プレスリリース原文]

2017-12-12
Europe and North America will reach 65.2 million active insurance telematics policies in 2021


According to a new research report from the IoT analyst firm Berg Insight, the number of insurance telematics policies in force on the European market reached 6.8 million in Q4-2016. Growing at a compound annual growth rate (CAGR) of 34.8 percent, this number is expected to reach 30.0 million by 2021. In North America, the number of insurance telematics policies in force is expected to grow at a CAGR of 38.2 percent from 6.9 million in Q4-2016 to reach 35.2 million in 2021. The European insurance telematics market is largely dominated by hardwired aftermarket black boxes while self-install OBD devices represent the vast majority of the active policies in North America. Several major US insurers have however recently shifted to solutions based on smartphones. Berg Insight expects a rapid increase in the uptake of smartphone-based solutions in all markets in the upcoming years.

“The US, Italy, the UK and Canada are still the largest markets in terms of insurance telematics policies”, said Martin Svegander M2M/IoT analyst at Berg Insight. In North America, the market is dominated by US-based Progressive, Allstate, Liberty Mutual and State Farm as well as Intact Financial Corporation and Desjardins in Canada. The Italian insurers UnipolSai and Generali together accounted for around 50 percent of the telematics-enabled policies in Europe. Insurers with a strong adoption of telematics-enabled policies in the UK moreover include Admiral Group, Insure The Box and Direct Line. Several insurers in the rest of Europe have also shown a substantial uptake of telematics in 2016¬–2017. “Insurers are increasingly expected to embrace every aspect of telematics to reduce the cost of claims, improve the underwriting process and add services to increase the customer value through differentiated telematics offerings”, continued Mr. Svegander. He added that several attempts to reduce distracted driving and increase consumer engagement using smartphone-based insurance telematics have been seen in both Europe and North America.

“Consumer engagement is now the focus for most insurance telematics programmes and will continue to be an important topic in the near term”, concluded Mr. Svegander. The insurance telematics value chain spans multiple industries including a large ecosystem of companies extending far beyond the insurance industry players. Automotive OEMs are showing an increasing interest in insurance telematics. Examples include General Motors, Ford, BMW, Daimler, PSA Group and Fiat. The vehicle manufacturers are expected to drive the long-term development of insurance telematics by offering the possibility to utilise connected car OEM data in pay-how-you-drive offers. Notable aftermarket telematics service providers with a focus on insurance telematics include Octo Telematics with over 5.3 million active devices in Q4-2017 and other end-to-end solution providers such as Vodafone Automotive and Viasat Group. LexisNexis Risk Solutions, Intelligent Mechatronic Systems, Cambridge Mobile Telematics, Modus, The Floow, Scope Technologies and TrueMotion are also important players on the insurance telematics market.

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