保険テレマティクスの欧州・北米市場 - 第8版

欧州市場における保険テレマティクスの有効契約数は、2023年末時点で1,300万件に達すると予測されます。2028年までに1,760万件に達すると推定され、CAGRで6.2%の成長が見込まれます。北米では、保険テレマティクスの有効契約数は2023年末の推定1,790万件から2028年に2,630万契約に達すると予測されます。

当レポートでは、欧州と北米の保険テレマティクス市場について調査分析し、主要企業30社へのインタビューから得られた知見や、市場の動向と主な発展、2028年までの各国の市場の予測などを提供しています。

目次

図表のリスト

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
  • 使用中の車両数と自動車密度
  • 新車登録台数と主要メーカー
• 北米の自動車市場
  • 使用中の車両数と自動車密度
  • 新車登録台数と主要メーカー
• 自動車保険
  • 基本的な保険用語と分類
  • 自動車保険の基礎
  • 従来の自動車保険のリスク評価と価格設定基準
  • 自動車保険企業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 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
  • テレマティクスに基づく保険料金設定の根拠
  • 保険テレマティクスサービスの略歴
• 利用ベース保険、関連する概念と用途
  • 手動報告
  • 利用ベース保険テレマティクス - PAYD、PHYD、MHYD、TBYB
  • 継続的かつ時間制限のあるテレマティクスデータの記録
  • 利用ベース価格設定 vs. 請求関連保険テレマティクス
  • 個人向け、商業向け保険テレマティクス
  • 保険テレマティクス関連付加価値サービス
• 保険テレマティクスインフラ
  • 車両セグメント
  • 保険企業セグメント
  • 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
  • 社内開発
  • テレマティクスパートナーの活用
  • 顧客との直接的なやり取りなしの引受

第3章 欧州の保険テレマティクス市場

• 地域市場の特徴
  • イタリア
  • 英国
  • イベリア
  • フランス
  • ベネルクス
  • オーストリア・スイス
  • 北欧諸国
  • 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 北米の保険テレマティクス市場

• 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 市場予測と動向

• 市場の分析
  • 欧州と北米における保険テレマティクス政策と普及率
  • 欧州と北米におけるフォームファクターの発展
• バリューチェーン分析
  • 保険産業の企業
  • テレマティクス産業の企業
  • 自動車産業の企業
  • 通信産業の企業
  • IT産業の企業
  • 保険テレマティクス分野における合併と買収
• 市場の促進要因と障壁
  • マクロ経済環境
  • 規制環境
  • 競合環境
  • 技術環境
• 産業動向
  • UBIにとって顧客エンゲージメントがますます重要になる
  • 保険テレマティクスのコンセプトは今後も拡大すると予測される
  • 保険企業はUBIと保険金請求関連テレマティクスの両方を採用する
  • スマートフォンは産業でもっとも好まれるフォームファクターである
  • コネクテッドカーが保険テレマティクスの大衆市場化への道を開く
  • スマートフォンとコネクテッドカーのデータの組み合わせが有望である
  • フリート保険テレマティクスはフリートのリスクとコストを削減する機会である
  • プライバシーに関する懸念は顧客セグメント全体で和らぎつつある
  • ビッグデータ：テレマティクスデータの所有権と移植性が精査される
  • 保険テレマティクスは不注意運転の削減を目指す
  • モビリティの動向がテレマティクスベースの保険に新たな機会をもたらす
  • コネクテッドカー由来の車両診断データが保険企業に価値をもたらす可能性がある
  • 見通し：保険テレマティクスは他の地域でも急速に成長している
  • 運転習慣の変化に伴い走行距離に応じた保険プログラムが人気を博している
  • 他のIoT業界を模索する保険企業
  • より多くの車両タイプに適用可能になる保険テレマティクスのコンセプト
  • 自動運転車が自動車保険の競合環境を変える
  • 利用ベースの保険商品に携わる自動車OEM
  • 保険企業はアプリベースのUBIソリューションでより幅広い機能を提供し始める
  • 保険産業のデータへのニーズを促進するAI

第6章 企業のプロファイルと戦略

• Agero
• Arity
• Azuga (Bridgestone)
• Brightmile
• CalAmp
• Cambridge Mobile Telematics
• CCC Intelligent Solutions
• ClearScore
• Conneqtech
• Dolphin Technologies
• Earnix
• FairConnect Group
• Greater Than
• Howden Driving Data (Howden Group)
• IMS
• Inzura
• LexisNexis Risk Solutions
• Meta System
• Motix Connected
• Munic
• OCTO Telematics
• OSeven Telematics
• Powerfleet (Movingdots)
• Radius Telematics
• Redtail Telematics
• Sentiance
• Scope Technology
• Sycada
• Targa Telematics
• Telematics Technologies
• The Floow
• Trakm8
• Valtech Mobility
• Verisk Analytics
• Vodafone Automotive
• Webfleet
• Xirgo Technologies
• ZenDrive
• 頭字語と略語のリスト

List of Figures

• Figure 1.1: Vehicles in use (EU+EFTA+UK 2022)
• Figure 1.2: Passenger car density per 1,000 inhabitants (EU+EFTA+UK 2022)
• Figure 1.3: Passenger car registrations by manufacturer (EU+UK+EFTA 2023)
• Figure 1.4: Vehicles in use (North America 2022)
• Figure 1.5: Passenger car registrations by manufacturer (North America 2023)
• Figure 1.6: Motor insurance statistics (EU22+3 2022)
• Figure 2.1: Distribution of fatal crashes by day of week and time of day (The US 2022)
• 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: 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: Nextbase's Dash Cam 522 GW and Rear Window Cam module
• 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: Telematics strategies for insurance providers
• Figure 3.1: Allianz's top telematics markets (Q4-2024)
• 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: Windscreen device and app from VHV
• 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 (2011-2023)
• Figure 4.4: Travelers IntelliDrive
• Figure 4.5: Mobileye 8 Connect including camera, GPS unit and EyeWatch display
• Figure 5.1: Insurance telematics policies and penetration (Europe 2023-2028)
• Figure 5.2: Insurance telematics policies by country (North America 2023-2028)
• Figure 5.3: Distribution of insurance telematics form factors (Europe 2023-2028)
• Figure 5.4: Distribution of insurance telematics form factors (North America 2023-2028)
• 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 (2014-2024)
• Figure 6.1: Munic's C4 OBD-II V8 and the new C4R Max V8 dongles

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 13.0 million at the end of 2023. Growing at a compound annual growth rate of 6.2 percent, the number of active insurance telematics policies in Europe is estimated to reach 17.6 million by 2028. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 17.9 million policies at the end of 2023 to reach 26.3 million policies by 2028. Get up to date with the latest industry trends in this new 250-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 2028.

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. United Kingdom
  • 3.1.3. Iberia
  • 3.1.4. France
  • 3.1.5. Benelux
  • 3.1.6. Austria and Switzerland
  • 3.1.7. The Nordics
  • 3.1.8. Germany
  • 3.1.9. 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 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 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 black box-based policies
  • 3.2.7. Direct Line Group acquires pay-per-mile insurer By Miles
  • 3.2.8. Aviva introduces app-based UBI in the UK
  • 3.2.9. Zego offers behavioural based pricing for UK fleets
  • 3.2.10. Howden Group consolidates broking businesses under single brand
  • 3.2.11. Acorn Insurance offers UBI through the Carrot and Acorn brands
  • 3.2.12. Markerstudy Group acquires Atlanta Group
  • 3.2.13. RSA offers UBI in Ireland via 123.ie
  • 3.2.14. AbbeyAutoline (Prestige) renews ChilliDrive with Howden Driving Data
  • 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 relaunched Telematik Plus in 2019
  • 3.2.18. VHV's Telematik Garant switched to a mobile based telematics solution
  • 3.2.19. Young digital insurtech company Neodigital bets on PHYD car insurance
  • 3.2.20. Groupama offers insurance telematics in multiple countries
  • 3.2.21. MAPFRE provides insurance telematics products in Spain and the US
  • 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 brings UBI to Slovenia
  • 3.2.25. Warta pilots app-based UBI in Poland
  • 3.2.26. HDI Global offers telematics solutions in the UK and Italy
  • 3.2.27. Zurich partners with MGA Freedom Services in the UK
  • 3.2.28. If Insurance has long experience of telematics in the Nordics
  • 3.2.29. Paydrive leverages aftermarket and OEM telematics for UBI
  • 3.2.30. VIS pioneers telematics insurance in Iceland
  • 3.2.31. ABAX launches commercial UBI insurance

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 from Driveway Software
  • 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 is a smartphone-based insurance company
  • 4.2.13. USAA enhances insurance offering by acquiring UBI focused Noblr
  • 4.2.14. Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
  • 4.2.15. Progressive has launched a second commercial UBI product
  • 4.2.16. Nationwide offers commercial lines insurance telematics solutions
  • 4.2.17. Philadelphia Insurance Companies offers fleet insurance telematics
  • 4.2.18. Ohio Mutual Insurance Group offers app-based UBI in seven states
  • 4.2.19. Liberty Mutual strengthens UBI client base with State Auto acquisition
  • 4.2.20. Verisk Telematics Exchange popular among OEMs before 2024 termination
  • 4.2.21. CMT powers multiple safe driving contests in the US
  • 4.2.22. Intact discontinues its device-based program in favour of mobile solutions
  • 4.2.23. Lemonade acquires Metromile
  • 4.2.24. American Family Insurance offers three UBI programs
  • 4.2.25. HDVI pioneers telematics UBI for fleets of semi-trailer trucks
  • 4.2.26. Tesla to underwrite its own telematics insurance policies
  • 4.2.27. Pouch and Mojio partner to offer fleet insurance to small businesses

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. Industry trends
  • 5.4.1. Customer engagement becomes increasingly important for UBI
  • 5.4.2. Continued broadening of the insurance telematics concept is expected
  • 5.4.3. Insurers will embrace both UBI and claims-related insurance telematics
  • 5.4.4. Smartphone is the most favoured form factor in the industry
  • 5.4.5. Connected cars pave the way for mass-marketisation of insurance telematics
  • 5.4.6. Combined smartphone and connected car data shows promise
  • 5.4.7. Fleet insurance telematics is an opportunity to reduce fleet risks and costs
  • 5.4.8. Privacy concerns are softening across customer segments
  • 5.4.9. Big Data: Ownership and portability of telematics data to be scrutinised
  • 5.4.10. Insurance telematics aims to reduce distracted driving
  • 5.4.11. Mobility trends provide new opportunities for telematics-based insurance
  • 5.4.12. Vehicle diagnostics data from connected cars can create value for insurers
  • 5.4.13. Outlook: Insurance telematics is growing rapidly in other regions
  • 5.4.14. Pay-per-mile insurance programs gain popularity as driving habits shift
  • 5.4.15. Insurers to explore other IoT verticals
  • 5.4.16. The insurance telematics concept to be applicable for more vehicle types
  • 5.4.17. Autonomous cars alter the playing field for motor insurance
  • 5.4.18. Automotive OEMs involved in usage-based insurance products
  • 5.4.19. Insurers begin to offer wider functionality in their app-based UBI solutions
  • 5.4.20. AI to drive the need for data in the insurance industry

6. Company Profiles and Strategies

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