欧州・北米のテレマティクス保険：第5版

テレマティクス市場は、欧州市場における有効契約件数は2019年末時点で1,280万件に達したと推定しています。28.2％のCAGRで成長しており、2024年には4,450万件に達すると予測されています。また、北米市場では、有効契約件数が2019年末の推定1,470万件から2024年までに5,360万件に増加すると予測されています。

当レポートは、欧州・北米のテレマティクス保険市場について調査しており、市場の動向や予測、成長要因および障壁、欧州・北米別の市場分析、競合情勢、主要企業のプロファイル等の情報を提供しています。

目次

目次

図のリスト

エグゼクティブサマリー

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
  • 基本的な保険の用語と分類
  • 自動車保険の基礎
  • 従来の自動車保険のリスク格付けと価格設定の基準
  • 自動車保険会社のための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 保険テレマティクスソリューション

• 保険テレマティクスのイントロダクション
  • テレマティクスベースの保険証券価格設定の理論的根拠
  • テレマティクス保険製品の簡単な歴史
• 使用量ベースの保険および関連する概念とアプリケーション
  • マニュアルレポート
  • 使用ベースのテレマティクス保険 - PAYD, PHYD, MHYD, TBYB
  • テレマティクスデータの連続的・時間的な記録
  • 使用量に応じた価格設定とクレーム関連
  • 個人回線と商業回線
  • テレマティクス保険に関連する付加価値サービス
• テレマティクス保険インフラストラクチャ
  • 車両セグメント
  • 保険会社セグメント
  • エンド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
  • 自社開発
  • テレマティクスパートナーの活用
  • 顧客との直接対話を伴わない引受

第3章 欧州市場

• 地域市場の特徴
  • イタリア
  • 英国
  • イベリア
  • オーストリア
  • フランス
  • ベネルクス
  • スイス
  • 北欧
  • ドイツ
  • 中欧・東欧
• 保険テレマティクスのケーススタディ

第4章 北米市場

• 地域市場の特徴
  • 米国
  • カナダ
• 保険テレマティクスのケーススタディ

第5章 市場予測および動向

• 市場分析
  • 保険テレマティクスポリシーと欧州と北米での浸透
  • 欧州と北米でのフォームファクターの開発
• バリューチェーン分析
  • 保険業界の企業
  • テレマティクス業界の企業
  • 自動車業界の企業
  • 通信業界の企業
  • IT業界の企業
  • テレマティクス保険分野での合併と買収
• 市場の成長要因と障壁
  • マクロ経済環境
  • 規制環境
  • 競合環境
  • 技術環境
• 今後の業界動向

第6章 企業プロファイルと戦略

• Agero
• Amodo
• Autoliv
• Azuga
• Baseline Telematics
• Bosch Connected Devices and Solutions
• CalAmp
• Cambridge Mobile Telematics
• CCC Information Services
• Driveway Software
• DriveQuant
• Dolphin Technologies
• FairConnect (Infomobility)
• Greater Than
• IMS (Trak Global Group)
• Ingenie Business
• Insure Telematics Solutions
• Inzura
• LexisNexis Risk Solutions
• Meta System
• Modus
• Munic Car Data
• MyDrive Solutions
• Octo Telematics
• OSeven Telematics
• Quartix
• Redtail Telematics
• Sentiance
• Scope Technology
• Swiss Re
• Targa Telematics
• Telematics Technologies
• The Floow
• Trakm8
• TrueMotion
• Verisk Analytics
• Viasat Group
• Vodafone Automotive
• Webfleet Solutions
• Zendrive
• 用語集

List of Figures

• Figure 1.1: Vehicles in use (EU23+2 2018)
• Figure 1.2: Passenger car density per 1,000 inhabitants (EU28 2017)
• Figure 1.3: Passenger car registrations by manufacturer (EU+EFTA 2019)
• Figure 1.4: Vehicles in use (North America 2018)
• Figure 1.5: Passenger car registrations by manufacturer (North America 2019)
• Figure 1.6: Motor insurance statistics (EU23+2 2018)
• Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2018)
• 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 (2019)
• Figure 2.13: Europe cellular IoT connectivity market data (Q4-2019)
• Figure 2.14: North America cellular IoT connectivity market data (Q4-2019)
• Figure 2.15: Telematics strategies for insurance providers
• Figure 3.1: Allianz's top telematics markets (Q4-2019)
• 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: 12V device from VHV
• Figure 3.5: User interface of Sijox's AppDrive
• Figure 3.6: The Fairzekering dashboard
• Figure 3.7: HDI's DiamondDrive app
• 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 (2011-2019)
• Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2019)
• Figure 4.5: Travelers IntelliDrive
• Figure 4.6: Mobileye Shield+ and Mobileye Connect 6 aftermarket ADAS systems
• Figure 5.1: Insurance telematics policies and penetration (Europe 2019-2024)
• Figure 5.2: Insurance telematics policies by country (North America 2019-2024)
• Figure 5.3: Distribution of insurance telematics form factors (Europe 2019-2024)
• Figure 5.4: Distribution of insurance telematics form factors (North America 2019-2024)
• 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 (2014-2019)

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 12.8 million at the end of 2019. Growing at a compound annual growth rate of 28.2 percent, the number of active insurance telematics policies in Europe is estimated to reach 44.5 million by 2024. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 14.7 million policies at the end of 2019 to reach 53.6 million policies by 2024. Get up to date with the latest industry trends in this new 270-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 Iberia
  • 3.1.4 Austria
  • 3.1.5 France
  • 3.1.6 Benelux
  • 3.1.7 Switzerland
  • 3.1.8 The Nordics
  • 3.1.9 Germany
  • 3.1.10 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 blackbox
  • 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 blackbox-based policies
  • 3.2.7 Direct Line Group uses a variety of sensors for gathering of telematics data
  • 3.2.8 Aviva adds a free dashcam feature to its Aviva Drive app in the UK
  • 3.2.9 Ingenie targets drivers in the 17-44 year old age bracket
  • 3.2.10 IMS expands Carrot Insurance's platform to North America
  • 3.2.11 Marmalade targets young drivers
  • 3.2.12 RSA offers UBI via MORE TH>N SM>RT WHEELS and 123GO
  • 3.2.13 Be Wiser offers Drive Wiser PHYD insurance in the UK based on Coverbox
  • 3.2.14 Autoline (Prestige) offers ChilliDrive powered by Inzura
  • 3.2.15 By Miles offers PAYD using aftermarket OBD devices and OEM telematics
  • 3.2.16 CalAmp invests in the insurance marketplace
  • 3.2.17 PSA Group offers UBI in the UK, Belgium and France
  • 3.2.18 Daimler offers UBI in five European countries
  • 3.2.19 HUK-Coburg relaunched Telematik Plus in 2019
  • 3.2.20 VHV's Telematik Garant uses a 12V device with built-in connectivity
  • 3.2.21 German insurer Signal Iduna launches UBI based on a smartphone app
  • 3.2.22 EMIL powers pay-per-mile telematics products in Germany
  • 3.2.23 UNIQA SafeLine powered by Dolphin Technologies focuses on safety
  • 3.2.24 Groupama offers insurance telematics in multiple countries
  • 3.2.25 Chipin pioneered insurance telematics in the Netherlands
  • 3.2.26 MAPFRE provides insurance telematics products in Spain and the US
  • 3.2.27 ÖSA and Sparkassen Versicherung offer eCall services in Germany
  • 3.2.28 GDV launches eCall service with 46 participating German insurers
  • 3.2.29 Zavarovalnica Triglav works with Amodo to bring UBI to Eastern Europe
  • 3.2.30 PZU Group and Link4 have launched telematics programs in Poland
  • 3.2.31 CHERRISK rewards safe driving
  • 3.2.32 HDI Global has launched DiamondDrive in Germany
  • 3.2.33 Zurich invested in the connected car service provider AutoSense in 2019
  • 3.2.34 Springworks International powered Telia Sense is used by Folksam
  • 3.2.35 Paydrive leverages aftermarket and OEM telematics for 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 Esurance offers DriveSense in 37 US states
  • 4.2.5 Allstate's subsidiary Arity expands its offering to external customers
  • 4.2.6 Liberty Mutual has a broad portfolio of telematics products
  • 4.2.7 Desjardins offers a smartphone app for insurance telematics in Canada
  • 4.2.8 Nationwide offers UBI based on OBD, smartphone and OEM telematics data
  • 4.2.9 Farmers offers insurance telematics for commercial lines powered by Modus
  • 4.2.10 Travelers offers smartphone-based UBI
  • 4.2.11 GEICO offers a smartphone-based telematics program in select US states
  • 4.2.12 Toyota Insurance Management Solutions offers UBI in the US
  • 4.2.13 CAA offers MyPace and Connect powered by Octo Telematics
  • 4.2.14 Root Insurance is a smartphone-based insurance company
  • 4.2.15 Noblr works with TrueMotion to offer insurance products based on telematics
  • 4.2.16 Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
  • 4.2.17 Progressive has launched a usage-based insurance product using ELDs
  • 4.2.18 Nationwide offers commercial lines insurance telematics solutions
  • 4.2.19 Philadelphia Insurance Companies offers fleet insurance telematics
  • 4.2.20 Trov offers mobility insurance solutions built on Sentiance's platform
  • 4.2.21 True Mileage uses NFC and works with Ohio Mutual Insurance Group
  • 4.2.22 Spireon adds FNOL to its Kahu consumer app
  • 4.2.23 State Auto has a broad telematics portfolio focusing on both UBI and claims
  • 4.2.24 Hyundai, Honda and GM OnStar joins Verisk Telematics Data Exchange
  • 4.2.25 CMT powers multiple safe driving contests in the US
  • 4.2.26 Intact discontinues its device-based program in favour of mobile solutions
  • 4.2.27 Metromile licences its platform to external insurers

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
  • 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 Fleet insurance telematics to disrupt the fleet tracking market
  • 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 Pay-per-mile insurance programs are resurging
  • 5.4.14 Insurers to explore other IoT verticals
  • 5.4.15 The insurance telematics concept to be applicable for more vehicle types
  • 5.4.16 Autonomous cars alter the playing field for motor insurance

6 Company profiles and strategies

• 6.1 Agero
• 6.2 Amodo
• 6.3 Autoliv
• 6.4 Azuga
• 6.5 Baseline Telematics
• 6.6 Bosch Connected Devices and Solutions
• 6.7 CalAmp
• 6.8 Cambridge Mobile Telematics
• 6.9 CCC Information Services
• 6.10 Driveway Software
• 6.11 DriveQuant
• 6.12 Dolphin Technologies
• 6.13 FairConnect (Infomobility)
• 6.14 Greater Than
• 6.15 IMS (Trak Global Group)
• 6.16 Ingenie Business
• 6.17 Insure Telematics Solutions
• 6.18 Inzura
• 6.19 LexisNexis Risk Solutions
• 6.20 Meta System
• 6.21 Modus
• 6.22 Munic Car Data
• 6.23 MyDrive Solutions
• 6.24 Octo Telematics
• 6.25 OSeven Telematics
• 6.26 Quartix
• 6.27 Redtail Telematics
• 6.28 Sentiance
• 6.29 Scope Technology
• 6.30 Swiss Re
• 6.31 Targa Telematics
• 6.32 Telematics Technologies
• 6.33 The Floow
• 6.34 Trakm8
• 6.35 TrueMotion
• 6.36 Verisk Analytics
• 6.37 Viasat Group
• 6.38 Vodafone Automotive
• 6.39 Webfleet Solutions
• 6.40 Zendrive

• Glossary