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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 - 3rd Edition

発行 BERG Insight 商品コード 330361
出版日 ページ情報 英文 230 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 - 3rd Edition
出版日: 2017年12月12日 ページ情報: 英文 230 Pages
概要

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

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

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

第6章 企業のプロファイルと戦略

用語集

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 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.

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 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 built-in 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 Auto140
    • 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

List of Figures

  • Figure 1.1: Vehicles in use (EU23+2 2016)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU28 2014)
  • Figure 1.3: Passenger car registrations by manufacturer (EU + EFTA 2016)
  • Figure 1.4: Vehicles in use (North America 2016)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2016)
  • Figure 1.6: Motor insurance statistics (EU23+2 2015)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2015)
  • 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 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: Folksam's in-cabin driver feedback device.
  • 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: Mobile network operators in Europe and North America (2017)
  • Figure 2.13: Mobile operators in Europe by M2M subscriber base (Q2-2016)
  • Figure 2.14: Mobile operators in North America by M2M subscriber base (Q2-2016)
  • Figure 2.15: Telematics strategies for insurance providers
  • Figure 3.1: Growth of insurance telematics at Generali (2012-2016)
  • Figure 3.2: Allianz' top telematics markets (Q4-2017)
  • Figure 3.3: Overview of the Your Portal interface for insurethebox policyholders
  • Figure 3.4: Direct Line's reward app Shotgun
  • Figure 3.5: 12V device from VHV
  • Figure 3.6: User interface and OBD device of Sijox's AppDrive powered by TomTom
  • Figure 3.7: 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 (2011-2016)
  • Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2016)
  • Figure 4.5: Mobileye's aftermarket ADAS system
  • Figure 4.6: Schematic overview of Intact's coverage for Uber drivers
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2016-2021)
  • Figure 5.2: Insurance telematics policies and penetration by region in Europe
  • Figure 5.3: Insurance telematics policies and penetration (North America 2016-2021)
  • Figure 5.4: Insurance telematics policies by country (North America 2016-2021)
  • Figure 5.5: Distribution of insurance telematics form factors (Europe 2016-2021)
  • Figure 5.6: Distribution of insurance telematics form factors (North America 2016-2021)
  • Figure 5.7: Key players in the insurance telematics value chain
  • Figure 5.8 Leading insurance telematics programmes in Europe and North America
  • Figure 5.9: Examples of telematics hardware providers serving the insurance space
  • Figure 5.10: M&As in the insurance telematics space (2014-2017)
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