インドの個人向けガジェット保険市場：補償タイプ別、ガジェットタイプ別、流通チャネル別、エンドユーザー別、地域別、機会、予測、2018年～2032年

インドの個人向けガジェット保険の市場規模は、2025年～2032年の予測期間中に12.98％のCAGRで拡大し、2024年の25億1,000万米ドルから2032年には66億6,000万米ドルに成長すると予測されています。インドの個人向けガジェット保険市場が急成長した背景には、多くの主要な理由があります。主な理由は、スマートフォン、ノートパソコン、タブレット端末などのガジェットを所有する人口の増加です。そのため、これらの貴重品をすべて保護できるガジェット保険への需要が高まっています。ガジェット保険に対する消費者の認知が進んだことで、人々は投資を行うようになっています。特にCOVID-19は、誰もがリモートワークやその他のオンライン関連の活動を取り入れたため、保険の必要性が高まり、需要を押し上げました。

また、eコマースサイトのおかげで、ガジェット保険に簡単に加入できるようになっています。これにより、保険はさらに身近で便利になっています。各社はまた、革新的な補償オプションを導入し、人工知能をシステムに導入することで、顧客体験をより良いものにしています。バンドルされた保険商品も人気を博しており、多くの人にとってガジェット保険は魅力的なものとなっています。このような要因が、インドにおける個人向けガジェット保険市場の拡大に寄与しており、貴重な電子機器に関する消費者の包括的なセキュリティ・システムとして浮上しています。

個人向けガジェット保険は、スマートフォン、ノートパソコン、タブレット、カメラ、その他類似のものなど、電子機器やガジェットに関連するリスクに対して、偶発的な損害、盗難、紛失、故障に対する保険カバーを提供するものです。この保険は、破損や紛失の際にガジェットの修理や交換の費用が支払われるため、ユーザーは修理や交換の費用全額を負担する必要がありません。

当レポートでは、インドの個人向けガジェット保険市場について調査し、市場の概要とともに、補償タイプ別、ガジェットタイプ別、流通チャネル別、エンドユーザー別、地域別動向、および市場に参入する企業のプロファイルなどを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 インドの個人向けガジェット保険市場の見通し、2018年～2032年

• 市場規模の分析と予測
• 市場シェア分析と予測
• 市場マップ分析、2024年
  • 補償タイプ別
  • ガジェットタイプ別
  • 流通チャネル別
  • エンドユーザー別
  • 地域別

第6章 需要供給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 保険料コスト分析

第11章 市場力学

第12章 市場の動向と発展

第13章 ケーススタディ

第14章 競合情勢

• 市場リーダートップ5の競合マトリックス
• 参入企業トップ5のSWOT分析
• 市場の主要参入企業トップ10の情勢
  • Bajaj Allianz General Insurance Company Limited
  • New India Assurance Company Limited
  • OneAssist Consumer Solutions Private Limited
  • SyncNscan
  • Times Global Assurance
  • Insurance Canopy
  • HDFC ERGO General Insurance Company Limited
  • AXA XL
  • Future Generali India Insurance Company Limited
  • Policybazaar Insurance Web Aggregator Private Limited

第15章 戦略的提言

第16章 お問い合わせと免責事項

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. India Personal Gadget Insurance Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. India Personal Gadget Insurance Market Share (%), By Coverage Type, FY2018-FY2032F
• Figure 3. India Personal Gadget Insurance Market Share (%), By Gadget Type, FY2018-FY2032F
• Figure 4. India Personal Gadget Insurance Market Share (%), By Distribution Channel, FY2018-FY2032F
• Figure 5. India Personal Gadget Insurance Market Share (%), By End-user, FY2018-FY2032F
• Figure 6. India Personal Gadget Insurance Market Share (%), By Region, FY2018-FY2032F
• Figure 7. By Coverage Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 8. By Gadget Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 9. By Distribution Channel Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024

India personal gadget insurance market is projected to witness a CAGR of 12.98% during the forecast period FY2025-FY2032, growing from USD 2.51 billion in FY2024 to USD 6.66 billion in FY2032. There are many key reasons behind the exponential growth of Indian personal gadget insurance market. The major reasons have been the population growth that owns gadgets such as smartphones, laptops, and tablets. Hence, witnessing more demand for gadget insurance policies that can protect all these valuable items. Advance consumer awareness of gadget insurance continues to encourage people to make that investment. COVID-19, especially, has pushed demand since everyone adopted remote work and even other online-related activities; the need for insurance grew higher. Also, thanks to e-commerce sites sprouting, it has gotten easy to buy gadget insurance. This has made it even more accessible and convenient. Companies are also introducing innovative coverage options and introducing artificial intelligence into the system to make customer experience even better. Bundled insurance products have also gained popularity and are making gadget insurance appealing to many. These factors, therefore, have been contributing to the expansion of market for personal gadget insurance in India thereby emerging as a comprehensive security system for the consumers about the valuable electronic devices.

Personal gadget insurance provides insurance cover for risks associated with electronic devices and gadgets, such as smartphones, laptops, tablets, cameras, and other similar ones, against accidental damage, theft, loss, or breakdown. This insurance pays out for the repair or replacement of the gadget in the event of damage or loss so that users are not liable for the full costs of repair or replacement.

Increased Digitalization is Boosting Market Growth

Increased digitalization is significantly boosting demand for personal gadget insurance in India. As digital technologies become more integral to daily life, the number of electronic devices owned by individuals is rapidly rising. Smartphones, tablets, laptops, and other gadgets have become essential tools for communication, work, entertainment, and education. As of February 2024, India has been proud to host one of the largest internet populations worldwide, with more than 800 million users; even more impressive is the 86% of this audience participating in over-the-top audio and video services. Thus, OTT comes forth as the most adopted use of technology in the country. This increased use of devices leads to an overall demand for full protection, including accidental damage, loss, or theft, along with breakdown. More are using their gadgets for work and play, and an accident can be expensive at times. Therefore, protection in the form of insurance coverage is being sought to protect the valuable electronics used. Online platforms also have given easy accessibility to compare and purchase gadget insurance policies among consumers. It is increasing the demand in the market. Further, innovation through tailored coverages by the insurance company and using digital technologies that enhance the experience of the customer drive this trend forward. It is an emerging trend based on the continuous process of transformation towards digital India and will be offering peace of mind along with security to customers' wallets.

Technological Advancements to Drive Market Growth

Technological advancements are expected to lead to high market growth in the India personal gadget insurance sector. Digital technology has changed the way insurance services are delivered, making them efficient, user-friendly, and accessible. Advanced technologies such as artificial intelligence (AI) and machine learning are making it possible for insurance companies to provide customized policies, streamline claims processing, and enhance customer experience. These technologies therefore allow for faster and accurate risk assessment, which entails better pricing models as well as coverage options adjusted according to individual needs. Moreover, the integration of Internet of Things devices as well as telematics has also been providing insurers with data on gadget usage and conditions in real-time, helping further to improve risk management and policy customization. The increased adoption of digital payment systems and online platforms is also making it easier for consumers to buy and manage their insurance policies. Thus, these technological improvements are not only enhancing the operational efficiency but also the consumer's trust and satisfaction, which is driving the growth of the personal gadget insurance market in India.

Individual Segment to Dominate India Personal Gadget Insurance Market

The individual segment is going to dominate the India personal gadget insurance market with many compelling reasons. As the number of individual customers who invest in these personal gadgets increases, so has the need for full coverage insurance on these valuable appliances. Fast growth in this area of individual electronic devices has been spurred by these advances in technology and overall growth in digitalization. Growth in this segment is also supported by enhanced consumer awareness of gadget insurance, including protection against accidental damage, theft, and breakdown. In addition, easy access to online purchases and availability of plans for customized insurance have made it easier for consumers to protect their gadgets. On the customer experience side, digital technologies are also being used by insurance companies to provide streamlined claims processes and more personalized policy options. The new growth driver in the personal gadget insurance market in India is the individual segment, mirroring the shift in consumer landscape and the growing dependency on electronic devices for everyday life.

Future Market Scenario (FY2025 - FY2032F)

The steadily increasing middle class with higher incomes would increase the take-up rate for personal gadget insurance.

The rise of smart cities and the swift pace of urbanization will drive an increased demand for personal gadget insurance.

Market growth will be contributed by increasing consumer awareness of the importance of insuring personal gadgets.

Key Players Landscape and Outlook

Companies employ a myriad of strategic approaches to strengthen their position in the India personal gadget insurance market. They substantially enhance their investment in research and development, so they innovate and make insurance products more customer-focused according to the changing nature of consumers. Mergers and acquisitions enable businesses to expand their reach in markets, acquire new technologies, and expand services. A firm can pool its resources, leverage its strengths through a joint venture or cooperation with another company and penetrate its customer base easily. Licensing agreements help companies penetrate markets faster by using existing technologies and methodologies so that leading insurance solutions can reach consumers more quickly. Moreover, companies constantly launch new products and services to stay abreast of the rapidly changing market. These strategies, together, help the companies strengthen their market positioning, achieve growth, and address the rising demand for robust and integrated personal gadget insurance solutions in the fast-increasing digital scenario of India.

In May 2023, Bundl Technologies Private Limited (Swiggy) partnered with Reliance General Insurance Company Limited to tailormade insurance cover to its delivery partners. Insurance package includes health insurance, personal accident cover, and mobile phone insurance for the comprehensive fleet of 300,000 delivery partners of Swiggy.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Coverage Limit
  • 4.3.2. Excess Amount
  • 4.3.3. Cost
  • 4.3.4. Policy Limits
  • 4.3.5. Claim Process
  • 4.3.6. Multi-Device Options
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. India Personal Gadget Insurance Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Coverage Type
    • 5.2.1.1. Physical Damage
    • 5.2.1.2. Theft and Loss Protection
    • 5.2.1.3. Internet Component Failure
    • 5.2.1.4. Virus and Data Protection
    • 5.2.1.5. Others
  • 5.2.2. By Gadget Type
    • 5.2.2.1. Mobile Phones and Tablets
    • 5.2.2.2. Laptops and Personal Computers
    • 5.2.2.3. Cameras
    • 5.2.2.4. Wearable Devices
    • 5.2.2.5. Others
  • 5.2.3. By Distribution Channel
    • 5.2.3.1. Online
    • 5.2.3.2. Offline
  • 5.2.4. By End-user
    • 5.2.4.1. Individual
    • 5.2.4.2. Corporate
  • 5.2.5. By Region
    • 5.2.5.1. North
    • 5.2.5.2. South
    • 5.2.5.3. East
    • 5.2.5.4. West and Central
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Coverage Type
  • 5.3.2. By Gadget Type
  • 5.3.3. By Distribution Channel
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Premium Cost Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Bajaj Allianz General Insurance Company Limited
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. New India Assurance Company Limited
  • 14.3.3. OneAssist Consumer Solutions Private Limited
  • 14.3.4. SyncNscan
  • 14.3.5. Times Global Assurance
  • 14.3.6. Insurance Canopy
  • 14.3.7. HDFC ERGO General Insurance Company Limited
  • 14.3.8. AXA XL
  • 14.3.9. Future Generali India Insurance Company Limited
  • 14.3.10. Policybazaar Insurance Web Aggregator Private Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer