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市場調査レポート

欧州・北米のテレマティクス保険市場

Insurance Telematics in Europe and North America - 2nd Edition

発行 BERG Insight 商品コード 330361
出版日 ページ情報 英文 190 Pages
納期: 即日から翌営業日
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欧州・北米のテレマティクス保険市場 Insurance Telematics in Europe and North America - 2nd Edition
出版日: 2016年06月20日 ページ情報: 英文 190 Pages
概要

自動車保険市場のテレマティクス保険の商品 (ポリシー)保険販売件数は2015年に欧州で530万件、北米でに630万件に達しました。同市場は今後、年率37.2%で成長し、欧州諸国では2020年に2,580万件、米国では4,210万件に達する、と予測されています。

当レポートでは、欧州・北米諸国におけるテレマティクス保険市場について分析し、自動車保険およびテレマティクス保険の制度的・技術的概要や、関連産業との相関性、地域別の市場動向見通し、主要企業のプロファイルなどを調査しております。

第1章 自動車市場

  • 欧州の自動車市場
  • 北米の自動車市場
  • 自動車保険
    • 保険の基本用語と分類法
    • 自動車保険の原理
    • 従来型の自動車保険のリスク評価と価格基準
    • 自動車保険業者向け保険数理ツールボックスの開発
  • 欧州の自動車保険市場
  • 北米の自動車保険市場

第2章 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の概略
    • テレマティクス・ベース保険の商品価格設定の合理性
    • テレマティクス保険サービスの沿革
  • 利用ベース保険および関連概念・アプリケーション
    • 手動式の報告機能
    • テレマティクス保険:PAYD (Pay-As-You-Drive)、PHYD (Pay-How-You-Drive)、MHYD (Manage-How-You-Drive)、TBYB (Try-Before-You-Buy)
    • 連続式・制限時間つきのテレマティクスデータ記録
    • 利用ベースの料金設定 vs. 請求関連のテレマティクス保険
    • 個人向け/法人向テレマティクス保険
    • テレマティクス保険関連の付加価値サービス
  • テレマティクス保険のインフラ
    • 自動車セグメント
    • 保険業者セグメント
    • 年度ユーザーセグメント
    • ネットワークセグメント
    • GNSSセグメント
  • ビジネスモデル
    • 社内開発
    • テレマティクス・パートナーの活用
    • 直接のクライアント・インタラクション無しでの引き受け

第3章 欧州のテレマティクス保険市場

  • 各国市場の特徴
    • イタリア
    • 英国
    • その他
  • テレマティクス保険のケーススタディ (全30件)

第4章 北米のテレマティクス保険市場

  • 各国市場の特徴
    • 米国
    • カナダ
  • テレマティクス保険のケーススタディ (全15件)

第5章 市場の予測と傾向

  • 市場分析
    • 欧州・北米でのテレマティクス保険商品とその普及率
    • 欧州・北米でのフォームファクタ開発
  • バリューチェーン分析
    • 保険業の関連企業
    • テレマティクス産業の関連企業
    • 自動車産業の関連企業
    • 通信産業の関連企業
    • IT産業の関連企業
    • 業界内部での企業合併・買収 (M&A)
  • 市場促進・阻害要因
    • マクロ経済環境
    • 規制環境
    • 競争環境
    • 技術環境
  • 今後の業界動向
    • テレマティクス保険の概念の持続的拡大の見込み
    • 保険業者は個人ベース保険 (UBI) と請求関連テレマティクス保険雄双方を推進
    • 短期的には、フォームファクタはモバイルデバイスに適した形に移行
    • コネクテッドカーが、テレマティクス保険の大衆市場への道を拓く
    • 中小の保険業者が入手できる有効なOEMデータ作成が期待できる新規データの交換
    • 商業面での活用が、個人用テレマティクス保険の市場成長にもつながる
    • プライバシーに関する問題は、どの顧客部門でも沈静化の傾向
    • ビッグデータ:テレマティクス・データの所有権と収益性の再検討
    • 無人走行車の出現:自動車保険市場の環境変化

第6章 企業のプロファイルと戦略

  • Agero
  • Agnik
  • Baseline Telematics
  • CalAmp
  • Cambridge Mobile Telematics
  • CCC Information Services and DriveFactor
  • Dolphin Technologies
  • Geotab
  • Hubio
  • IMETRIK Global
  • Intelligent Mechatronic Systems
  • LexisNexis and Wunelli
  • Meta System
  • Modus
  • MyDrive Solutions
  • Octo Telematics
  • Quartix
  • Scope Technologies
  • Teletrac Navman
  • Telogis
  • The Floow
  • TomTom Telematics
  • Trakm8
  • TrueMotion (Censio)
  • Verisk Analytics
  • Vodafone Automotive
  • Willis Towers Watson
  • Zurich Fleet Intelligence

用語集

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目次

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 5.3 million at the end of 2015. Growing at a compound annual growth rate of 37.2 percent, the number of active insurance telematics policies in Europe is estimated to reach 25.8 million by 2020. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 6.3 million policies at the end of 2015 to reach 42.1 million policies by 2020. Get up to date with the latest industry trends in this new 190-page strategy report from Berg Insight.

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, 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 2.6 million blackboxes
    • 3.2.2. Generali acquires MyDrive and has reached 920,000 telematics policies
    • 3.2.3. Allianz's dedicated Telematics subsidiary serves several European operations
    • 3.2.4. Insure The Box has sold 625,000 blackbox-based policies in the UK
    • 3.2.5. Direct Line grows rapidly in the UK and has 78,000 active UBI policies
    • 3.2.6. Aviva Drive app has reached 550,000 downloads in the UK
    • 3.2.7. UK-based Ingenie adds Highway Insurance to its panel of underwriters
    • 3.2.8. Towergate's iKube policies are powered by TomTom Telematics
    • 3.2.9. Fiat and Volkswagen works with Carrot Insurance and Trak Global
    • 3.2.10. Marmalade has over 50,000 customers in the UK
    • 3.2.11. RSA has launched UBI programmes in the UK, Canada and Norway
    • 3.2.12. Coverbox starts using windscreen trackers and mobile app
    • 3.2.13. Autoline launches Chillidrive powered by Lightflows
    • 3.2.14. Citroën pilot used standard-fitted telematics solution powered by Teletrac
    • 3.2.15. BMW's ConnectedDrive enables UBI powered by Allianz in the UK
    • 3.2.16. Renault-Nissan Alliance partners with The Floow
    • 3.2.17. Daimler Financial Services runs PHYD pilot programme
    • 3.2.18. German insurer Signal Iduna launches UBI based on TomTom OBD device
    • 3.2.19. Telefónica moves to smartphone-only solutions
    • 3.2.20. UNIQA SafeLine powered by Dolphin Technologies has a focus on safety
    • 3.2.21. Groupama in France has launched PHYD insurance
    • 3.2.22. Chipin has 5,000 insurance telematics end users on the Dutch market
    • 3.2.23. Spanish MAPFRE Group has also launched insurance telematics in the US
    • 3.2.24. ÖSA and Sparkassen Versicherung offers eCall services in Germany
    • 3.2.25. GDV launch eCall service with 46 participating German insurers
    • 3.2.26. Zavarovalnica Triglav works with Amodo to bring UBI to Eastern Europe
    • 3.2.27. Scope Technologies and Eucon team up to launch pilot with HDI Global SE
    • 3.2.28. AXA focuses on recording crashes in Switzerland
    • 3.2.29. Telia Company introduce cloud-based connected car platform
    • 3.2.30. Paydrive offers UBI in Sweden

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 has reached 4.0 million cumulative participants in the US
    • 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. Desjardins offers smartphone app for insurance telematics in Canada
    • 4.2.6. Toyota and Aioi Nissay Dowa form telematics insurance services company
    • 4.2.7. iA Financial Group's Canadian UBI offer Mobiliz is powered by Baseline
    • 4.2.8. Telogis has partnered with Travelers and Liberty Mutual for fleet insurance
    • 4.2.9. Sprint's ecosystem of UBI expert partners includes IMS and Modus
    • 4.2.10. True Mileage uses NFC technology, works with Ohio Mutual Insurance Group
    • 4.2.11. VOXX's Car Connection dongle now also supports insurance telematics
    • 4.2.12. Spireon adds insurance telematics to its NSpire platform
    • 4.2.13. OnStar joins Verisk Telematics Data Exchange
    • 4.2.14. Samsung enters the telematics market by launching Samsung Connect Auto
    • 4.2.15. Intact has sold 230,000 UBI policies in Canada and invests in Metromile

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 telematics156
    • 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. Autonomous cars alter the playing field for motor insurance

6. Company profiles and strategies

  • 6.1. Agero
  • 6.2. Agnik
  • 6.3. Baseline Telematics
  • 6.4. CalAmp
  • 6.5. Cambridge Mobile Telematics
  • 6.6. CCC Information Services and DriveFactor
  • 6.7. Dolphin Technologies
  • 6.8. Geotab
  • 6.9. Hubio
  • 6.10. IMETRIK Global
  • 6.11. Intelligent Mechatronic Systems
  • 6.12. LexisNexis and Wunelli
  • 6.13. Meta System
  • 6.14. Modus
  • 6.15. MyDrive Solutions
  • 6.16. Octo Telematics
  • 6.17. Quartix
  • 6.18. Scope Technologies
  • 6.19. Teletrac Navman
  • 6.20. Telogis
  • 6.21. The Floow
  • 6.22. TomTom Telematics
  • 6.23. Trakm8
  • 6.24. TrueMotion (Censio)
  • 6.25. Verisk Analytics
  • 6.26. Vodafone Automotive
  • 6.27. Willis Towers Watson
  • 6.28. Zurich Fleet Intelligence

List of Figures

  • Figure 1.1: Vehicles in use (EU23+2 2014)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU28 2013)
  • Figure 1.3: Passenger car registrations by manufacturer (EU28 2015)
  • Figure 1.4: Vehicles in use (North America 2014)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2015)
  • Figure 1.6: Motor insurance statistics (EU23+2 2014)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2014)
  • Figure 2.2: Subcategories of usage-based insurance and insurance telematics
  • Figure 2.3: Schematic classification of usage-based & claims-focused 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 Desjardin's smartphone app Ajusto
  • Figure 2.7: Example of a windscreen-mounted Bluetooth device from CMT
  • Figure 2.8: GDV-Stecker 12 V device
  • 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: Mobile network operators in Europe and North America (2016)
  • Figure 2.12: Mobile operators in Europe by M2M subscriber base (Q4-2014)
  • Figure 2.13: Mobile operators in North America by M2M subscriber base (Q3-2015)
  • Figure 2.14: Telematics strategies for insurance providers
  • Figure 3.1: Growth of insurance telematics at Generali (2012-2015)
  • Figure 3.2: Overview of the Your Portal interface for insurethebox policyholders
  • Figure 3.3: User interface and OBD device of Sijox's AppDrive powered by TomTom
  • Figure 3.4: Chipin's OBD device
  • Figure 4.1: Progressive's Snapshot OBD-II telematics device supplied by Xirgo
  • Figure 4.2: State Farms's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2015)
  • Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2015)
  • Figure 4.5: Schematic overview of Metromile's coverage for Uber drivers
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2015-2020)
  • Figure 5.2: Insurance telematics policies and penetration by region in Europe
  • Figure 5.3: Insurance telematics policies and penetration (North America 2015-2020)
  • Figure 5.4: Insurance telematics policies by country (North America 2015-2020)
  • Figure 5.5: Distribution of insurance telematics form factors (Europe 2015-2020)
  • Figure 5.6: Distribution of insurance telematics form factors (North America 2015-2020)
  • Figure 5.7: Key players in the insurance telematics value chain
  • Figure 5.8: Examples of telematics hardware providers serving the insurance space
  • Figure 5.9: Examples of mobile operator partnerships in the insurance telematics space
  • Figure 5.10: M&As in the insurance telematics space (2014-2016)
  • Figure 6.1: Octo Telematics' end users by country (March 2015)
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