利用ベース自動車保険 (UBI) 市場の戦略的動向・機会・世界市場の予測 (～2030年) ：タイプ (走行距離連動型・運転行動連動型・運転行動管理型)・ハードウェア (スマートフォン・テレマティクス)・地域別

利用ベース自動車保険 (UBI) の市場規模は、2024年の433億8,000万米ドルから、予測期間中は7.2％のCAGRで推移し、2030年には704億6,000万米ドルに達すると予測されています。

従来の保険に比べた手ごろ感と低い保険料がUBI市場を牽引しています。地域別の動向では、北米と欧州ではUBIの導入率が高く、アジア太平洋地域では交通安全に対する意識の高まりから緩やかに増加しています。

"ハードウェア別では、スマートフォンが最大の規模を示す"

スマートフォンは世界中で広く普及し、価格も手ごろなため、ハードウェアの部門をリードしています。古い自動車では、OBD-IIデバイスがUBI保険料を計算するための優先デバイスでした。その後の技術の進歩に伴い、デジタルUBIアプリケーションにスマートフォンでアクセスできるようになったため、車両オーナーは車両への設置コストを節約できるスマートフォンをOBD-IIデバイスの代わりに選択するようになりました。また、スマートフォンは運転習慣を監視し、リアルタイムのフィードバックを受け、安全な行動に対して報酬を得ることができるなど、ユーザーフレンドリーです。そのため、スマートフォンの市場規模は大きく、将来的には市場を独占することになると考えられています。

"アジア太平洋地域が予測期間中に最も急成長する市場に"

アジア太平洋地域は、スマートフォンや内蔵テレマティクスデバイスの普及に伴い、UBIプログラムの需要を促進しているUBIの新興市場です。UBI保険会社は、各国の政府機関がそれぞれ定めたデータプライバシーと透明性に関する規制を遵守しています。アジア太平洋地域では、EVの販売台数が多い中国がUBIの最大の市場規模を示しており、UBI保険の大きな市場を形成しています。

当レポートでは、世界の利用ベース自動車保険 (UBI) の市場を調査し、市場概要、市場成長への各種影響因子の分析、市場規模の推移・予測、各種区分・地域別の詳細分析、主要企業のプロファイルなどをまとめています。

目次

第1章 エグゼクティブサマリー

第2章 調査目的、範囲、調査手法

第3章 UBIとハードウェアの種類

• UBIプログラムの種類
• 各種UBIタイプで追跡されるパラメータ
• UBIプログラムのハードウェアタイプ
• さまざまなUBIハードウェアにより収集されるデータ

第4章 促進要因・抑制要因

• UBI市場の促進要因・抑制要因
• OEMビジネスモデル

第5章 市場情勢

• 世界のUBI普及率と平均保険料
• 世界のUBI市場：タイプ別
• 世界のUBI市場：ハードウェア別
• 北米：UBIの普及率と平均保険料
• 北米：UBI市場：タイプ別
• 北米：UBI収益：ハードウェア別
• 欧州：UBIの普及率と平均保険料
• 欧州：UBI収益：タイプ別
• 欧州：UBI収益：ハードウェア別
• アジア太平洋：UBIの普及率と平均保険料
• アジア太平洋：UBI収益：タイプ別
• アジア太平洋：UBI収益：ハードウェア別

第6章 企業プロファイリング

• 世界TSP事業者
  • LEXISNEXIS
  • OCTO GROUP SPA
  • CAMBRIDGE MOBILE TELEMATICS
  • THE FLOOW LIMITED
  • INSURANCE &MOBILITY SOLUTIONS（IMS）
• 欧州のUBI保険業者
  • ALLIANZ
  • AXA
  • ZURICH
• 北米のUBI保険業者
  • LIBERTY MUTUAL INSURANCE
  • ALLSTATE INSURANCE
  • FARMERS
• OEMが提供するUBI保険
  • TESLA
  • MERCEDES-BENZ

第7章 付録

第8章 MNMについて

第9章 免責事項

List of Tables

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List of Figures

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The usage-based insurance market is projected to reach USD 70.46 billion by 2030 from USD 43.38 billion in 2024, at a CAGR of 7.2% during the forecasted period. The affordability and low premium compared to traditional insurance is driving the UBI market. In regional trend, the UBI adoption is high in North America and Europe, whereas it is rising slowly in Aisa Pacific region due to growing awareness for road safety. Also, the automakers are restricted to Europe and US are entering into UBI business to develop a new revenue stream by calculating UBI premiums in-house.

"Smartphones holds the largest market in hardware for UBI."

Smartphone dominates the hardware segment due to its widespread adoption and affordability across the globe. In the older vehicles the OBD-II devices were preferred device for calculating the UBI premiums. Going ahead, as the technology advanced the adoption for smartphone increased due to digital UBI application which was accessible on smartphones to which the vehicle owner started opting for smartphones instead of OBD-II device as it saved the installation cost in the vehicles. Hence due to increase in adoption for smartphones, the market for OBD-II device is lowering gradually and are limited to only older vehicles. Adding more, the smartphone is user friendly to monitor their driving habits, receive real-time feedback, and earn rewards for safe behavior. Hence due to these factors the market for smartphones is high and will dominate the market in coming future.

"PHYD type segment is the second fastest growing market for UBI."

Pay-How-You-Drive (PHYD) type service usually leverages embedded telematics and smartphones for calculating personalized UBI premiums. According to MarketsandMarkets analysis, nearly XX - XX% revenue is earned through PHYD and is estimated to increase gradually during the forecasted year. The adoption for PHYD has increased as customers are ready to share their personal data to the insurance company due to strict regulation in Europe and North America for data privacy and transparency such as GDPR and CCPA respectively. The PHYD utilizes real-time driving data for formulating UBI policy by tracking parameters such as cornering, speed, acceleration, braking, phone distraction etc to calculate the UBI premium. Hence as the demand for connected car increases, the demand for PHYD will increase across the globe ultimately driving the market for PHYD type.

"Asia Pacific is the fastest growing market during the forecast period"

Asia Pacific is an emerging market for Usage based insurance with the widespread adoption for smartphone and built-in telematics device fuelling the demand for UBI program. The UBI Insurer companies are adhering to the regulations for data privacy and transparency which was set by the governing bodies by each country respectively. In Asia Pacific, China holds the largest market for UBI penetration due to high sales of EVs, creating a bigger market for implementing UBI insurance.

For increasing the adoption for UBI in APAC region, key players in insurance are actively partnering with other insurance companies. For instance, In August 2023, Citroen (India) had launched a Usage-based insurance program in partnership with ICICI Lombard General Insurance (India) for Pay-As-You-Drive type policy specifically for their model "eC3". This initiative encourages safe driving practices by lower the UBI insurance premiums based on individual driving behaviour monitored through telematics. Hence these developments in Asia Pacific region are driving the market for usage-based insurance.

In-depth interviews were conducted with CEOs, marketing directors, other innovation and technology directors, and executives from various key organizations operating in this market.

• By Company Type: OEMs - 0% and Tier I - 100%,
• By Designation: C Levels - 50%, Directors- 20%, Others- 30%
• By Region: North America- 60%, Europe - 10%, Asia Pacific- 30%

The usage-based insurance is dominated by global players such as Octo Group S.p.A (Italy), Cambridge Telematics (US), Lexis Nexis (US), The Floow (UK), Allianz (Germany), AXA (France), Zurich (Switzerland), Libert Mutual Insurance (US), Allstate Insurance Company (US), and Farmers Insurance (US). These companies adopted strategies such as product developments, deals, and others to gain traction in the market.

Research Coverage:

This research report categorizes usage-based insurance by type [Pay-As-You-Drive (PAYD), Pay-How-You-Drive (PHYD), and Manage-How-You-Drive (MHYD)] and by hardware (OBD-II, smartphone, and embedded telematics box), and by Region (Asia Pacific, Europe, and North America).

Report Scope

The report's scope covers detailed information regarding the major factors, such as influencing factors for the growth of the usage-based insurance market. A detailed analysis of the key industry players has been done to provide insights into their business hardware and UBI parameters tracked, drivers & restraining factors, laws and regulation trend globally, data pointers collected from connected car and its hardware, UBI market ecosystem, regional market landscape.

The report provides insights on the following pointers:

• Analysis of drivers (Increase in demand for connected car, increase in safety

features, High premium rates for electric vehicles, OEMs expansion into UBI business, Need for Data Aggregator players, and Consumer Convenience), restraints (regulatory challenges, increase in usership, and Low Consumer Awareness in Developing Countries for UBI) with impact in short, medium and long term.

• Product Development/Innovation: Detailed insights on upcoming technologies in the Usage-based insurance market
• Market Development: Comprehensive information about the markets - the report analyses of regulation and laws related to Usage-based insurance across varied regions.
• Market Diversification: Exhaustive information services, hardware offering, service offered, and any recent investments in usage-based insurance market.
• Competitive Assessment: In-depth assessment of market shares, penetration rate, growth strategies and service offerings of leading players like Octo Group S.p.A (Italy), Cambridge Telematics (US), Lexis Nexis (US), The Floow (UK), Allianz (Germany), AXA (France), Zurich (Switzerland), Libert Mutual Insurance (US), Allstate Insurance Company (US), and Farmers Insurance (US) among others in usage based insurance market.

TABLE OF CONTENTS

1 EXECUTIVE SUMMARY

• 1.1 GLOBAL UBI PENETRATION
• 1.2 GLOBAL CONNECTED VEHICLE REGULATIONS IMPACTING UBI
• 1.3 ECOSYSTEM FOR UBI MARKET
• 1.4 MARKET TRENDS AND TECHNOLOGIES

2 STUDY OBJECTIVES, SCOPE, AND METHODOLOGY

• 2.1 STUDY OBJECTIVES AND METHODOLOGY
• 2.2 STUDY SCOPE

3 TYPES OF UBI AND HARDWARE

• 3.1 TYPES OF UBI PROGRAMS
• 3.2 PARAMETERS TRACKED BY VARIOUS UBI TYPES
• 3.3 HARDWARE TYPES OF UBI PROGRAMS
• 3.4 DATA COLLECTED BY VARIOUS UBI HARDWARE

4 DRIVERS AND RESTRAINTS

• 4.1 DRIVERS AND RESTRAINTS FOR UBI MARKET
• 4.2 OEM BUSINESS MODEL

5 MARKET LANDSCAPE

• 5.1 GLOBAL UBI PENETRATION AND AVERAGE PREMIUM, 2023-2030
• 5.2 GLOBAL UBI MARKET, BY TYPE, 2023-2030
• 5.3 GLOBAL UBI MARKET, BY HARDWARE, 2023-2030
• 5.4 NORTH AMERICA: UBI PENETRATION AND AVERAGE PREMIUM, 2023-2030
• 5.5 NORTH AMERICA: UBI MARKET, BY TYPE, 2023-2030
• 5.6 NORTH AMERICA: UBI REVENUE, BY HARDWARE, 2023-2030
• 5.7 EUROPE: UBI PENETRATION AND AVERAGE PREMIUM, 2023-2030
• 5.8 EUROPE: UBI REVENUE, BY TYPE, 2023-2030
• 5.9 EUROPE: UBI REVENUE, BY HARDWARE, 2023-2030
• 5.10 ASIA PACIFIC: UBI PENETRATION AND AVERAGE PREMIUM, 2023-2030
• 5.11 ASIA PACIFIC: UBI REVENUE, BY TYPE, 2023-2030
• 5.12 ASIA PACIFIC: UBI REVENUE, BY HARDWARE, 2023-2030

6 COMPANY PROFILING

• 6.1 GLOBAL TSP PLAYERS 6.1.1 LEXISNEXIS 6.1.2 OCTO GROUP S.P.A 6.1.3 CAMBRIDGE MOBILE TELEMATICS 6.1.4 THE FLOOW LIMITED 6.1.5 INSURANCE & MOBILITY SOLUTIONS (IMS)
• 6.2 UBI INSURANCE PROVIDERS FROM EUROPE 6.1.1 ALLIANZ 6.1.2 AXA 6.1.3 ZURICH
• 6.3 UBI INSURANCE PROVIDERS FROM NORTH AMERICA 6.1.1 LIBERTY MUTUAL INSURANCE 6.1.2 ALLSTATE INSURANCE 6.1.3 FARMERS
• 6.4 UBI INSURANCE OFFERED BY OEMS 6.1.1 TESLA 6.1.2 MERCEDES-BENZ

7 APPENDIX

• 7.1 FORECAST ASSUMPTIONS FOR UBI, 2023-2030

8 ABOUT MNM

• 7.1 FORECAST ASSUMPTIONS FOR UBI, 2023-2030

9 LEGAL DISCLAIMER

• 7.1 ABOUT US