表紙
市場調査レポート

世界のUBI (利用ベース保険)

UBI Global Study 2016

発行 PTOLEMUS Consulting Group 商品コード 338595
出版日 ページ情報 英文 1000 Pages
納期: お問合せ
価格
本日の銀行送金レート: 1USD=102.18円で換算しております。
Back to Top
世界のUBI (利用ベース保険) UBI Global Study 2016
出版日: 2016年03月16日 ページ情報: 英文 1000 Pages
概要

当レポートでは、世界のUBI (利用ベース保険) の市場について調査し、自動車保険業界の現状、テレマティクスを用いた保険とそのメリット、技術・経済・法規制上の市場影響因子、UBI導入の障壁、効果的なUBIの創出戦略、技術ソリューションの構築戦略、市場成長予測などをまとめています。

第1章 UBI市場の基盤

  • 保険用テレマティクス:イントロダクション
  • 苦境の自動車保険市場
    • 先進国市場における成熟事業
    • 解約の拡大
    • 請求コストの増大
    • 関連法規制
    • 限られた投資
    • オンライン保険の広がり
    • 相互化モデルの持続可能性

第2章 UBIの展開の理由と未展開の理由

  • UBIの成長の推進因子
    • テレマティクスのメリット
    • 技術的推進因子
    • 経済・市場上の推進因子
    • 法規制上の推進因子
  • 世界的な広がりが見られない理由
    • 保険業者にとっての課題
    • 消費者にとっての課題
    • 将来への意味

第3章 効果的なUBIサービスの創出

  • 近年の経緯から学ぶ教訓
  • 自動車保険業者の概念の再定義
    • 包括的な顧客への提供価値の構築
    • ISP (保険サービスプロバイダー)
    • ポジティブなカスタマーエクスペリエンスの創出
    • プライバシーに対応したサービスの設計
  • 魅力的な提供価値の創出
    • 適切な流通経路の選択:アグリゲーターの場合
    • 効果的なテレマティクス製品の創出
    • 認知度向上と教育
    • 顧客中心のサービスの構築
    • TTMの短縮
    • 自動車製造業者との密接な関係の構築
    • レンタカー・商用部門における市場機会
  • ビッグデータの利用
    • データからの価値の抽出
    • ビッグデータの課題
    • データと大衆
    • データ:参入の障壁となるか?
  • リスクおよびコストの低減のためのテレマティクス保険
    • テレマティクスの3つのミラクル
    • 請求におけるテレマティクスの影響
    • 運転手行動プログラムのメリット
    • テレマティクスデータの活用
    • テレマティクスベースの価格設定とリスクの低減

第4章 技術ソリューションの構築

  • 技術戦略の定義付け
    • 技術の選定
    • 購入戦略の定義
    • 供給手段
    • 主な選定基準
    • 将来のITシステムへのテレマティクスの統合
  • 技術サプライヤーの選定
    • サプライヤー環境
    • サプライヤーの評価
  • 供給における主な課題の解消
    • ハードウェアの重要性
    • 効果的なハードウェアの組み合わせ
    • 新しい差別化因子
    • テレマティクスデバイスのリースモデルの展望
    • 商用保険業者固有の供給上の課題

第5章 エコシステムの進化と戦略的分析

  • UBIの戦略的環境:概要
    • 保険用テレマティクスのバリューチェーン
    • 世界のテレマティクスの競合市場
  • OEM
  • アフターマーケット
  • 組込み済み vs 据付け済み

第6章 UBI市場の潜在性の定量化

  • 成熟度の分析:地域別
    • テレマティクスにとっての欧州市場の魅力
    • テレマティクスにとってのその他の市場の魅力
  • 大規模導入の事例
    • 保険業者の事例
    • 国別のケーススタディ
  • 市場予測:パーソナルライン
    • 現在の市場規模
    • 成長予測
    • 保険業者の収益
    • 世界市場
    • 北米
    • 欧州
  • テレマティクス技術プロバイダーの収益
  • モバイルオペレーターの収益

第7章 総論・提言

  • 総論
  • 提言:保険業者
  • 提言:政府・規制当局
  • 提言:テレマティクスソリューションプロバイダー
  • 提言:自動車OEM・サプライヤー
  • 提言:モバイル事業者

第8章 クレジット

第9章 UBIグローバルハンドブック

  • 保険業者のプロファイル
  • TSPのプロファイル
  • TTPのプロファイル
  • 国別プロファイル
目次

Today the Telematics Insurance market represents 5 million drivers, and there are new trials taking place in all four corners of the world!

Telematics is changing the motor insurance sector in ways and at a speed that were never predicted. Since we published the 2012 Insurance Telematics Study, this transformation has accelerated exponentially. It is now the domain of the insurers, not of the telematics technology providers, and it is now global.

So much has happened in the last 18 months - we now count nearly 170 UBI programmes! - that we had to rewrite and rename our study to the Usage-Based Insurance Global Study.

In this new edition we evaluate the impact of telematics on the insurance sector globally. We identify the challenges facing insurers entering the UBI playing field and propose solutions to launch a successful offering. We also investigate the state of the UBI market, its size, its value chain and detect its winners and losers.

The Usage-Based Insurance Global Study 2013 is the most comprehensive research on this strategic market. With a truly global scope, it covers all the critical issues insurers, telematics service providers, technology providers, car manufacturers and wireless operators need to know about.

To give you an idea of the scope of the full study, we are sharing the first part of it publicly. The free abstract is only a fraction of the full study yet over 100 pages long!

“Ptolemus published a landmark study on telematics insurance; a “must have” for anyone interested in this topic.” Gilles Mongis, Head of P&C Retail Strategy, AXA Group.

Features:

  • 3 UBI leaders interviewed
  • 100+ page overview of today's UBI market
  • 4 case studies
  • Market sizing
  • US auto insurance state filing process
  • Password-protected, searchable and printable electronic version (PDF)
  • 800 pages of analysis & recommendations including a 200 pages stakeholders' guide
  • 38 case studies of players around the world
  • 58 applicable patents listed
  • 69 players evaluated and ranked
  • 43 solutions described in detail
  • Telematics insurance market model results in 6 countries
  • 10-year market forecast outputs including 60 graphs

Table of Contents

I. THE UBI MARKET FUNDAMENTALS

Introduction to insurance telematics

  • What is insurance telematics?
  • UBI or insurance telematics?
    • Self-reporting based policies
    • Telematics-based insurance
  • SWOT analysis of the 3 main rating models
  • A European perspective on insurance telematics
  • The US market's appetite for telematics
  • Who is UBI for?
    • The young market
    • The middle market
    • The senior driver segment

The motor insurance market predicaments

  • A maturing business in the most advanced markets
  • Increasing churn
  • Rising claims costs
    • Repair costs
    • Personal injury claims
    • Fraud
  • Filing regulations
  • Limited investment income
  • The advent of online distribution
  • Sustainability of the mutualisation model

II. WHY UBI SHOULD TAKE OFF... AND WHY IT HAS NOT YET

Analysing the drivers for UBI growth

  • The benefits of telematics
  • Technological drivers
    • More affordable black boxes
    • Richer OBD dongle solutions
    • Enticing hybrid opportunities
    • The changing role of smartphones
    • Reducing data costs
    • Less impact on the back-office
  • Economic and market drivers
    • Better risk management
    • Customer retention
    • Positive selection
    • Customers' improvement in driving behaviour
    • Telematics will come from competition
  • Regulatory drivers
    • The European eCall mandate (2004-2012)
    • The Viterbo judgment (2006) in Italy
    • The Test-Achats gender ruling (2011)
    • The Mario Monti legislation in Italy (2012)
    • Proposed changes to the European data protection landscape

Reasons why UBI has not taken off globally

  • Challenges for insurers
    • Privacy issues
    • Regulatory barriers
    • Intellectual property issues
    • Hurdles in implementation
    • Lack of a clear business case
    • Difficulty to convince indirect sales networks
    • A long deployment time
  • Challenges for consumers
    • Lack of sufficient and unbiased information
    • Privacy concerns
    • Potential conflict of interest
    • Financial uncertainty
  • What this means for the future

III. HOW TO CREATE A SUCCESSFUL USAGE BASED INSURANCE SERVICE

Learn from recent history

  • What do the pioneers teach us
    • 2004-2008: Norwich Union
    • 2008-2012: MAIF / MACIF
    • 2007-2012: UNIQA
    • 2004-2011: Progressive
    • Liberty Mutual
    • Ingenie
  • Learnings from Italy's telematic take-off
    • Unipol's model
    • Reasons for the Italian take-off
  • Synthesis of the learnings from the past

Reinvent the concept of motor insurer

  • Building a comprehensive customer value proposition
    • The rationale for value added services
    • How to chose the fundamental VAS services
    • Gamification and third party mobile services
  • Becoming an ISP (Insurance Service Provider)
  • Creating a positive customer experience
    • Follow best practices on relationship management in UBI
    • Create an original and balanced customer experience
  • Designing a privacy-enabled service

Build an attractive value proposition

  • Choosing the right distribution channels: the case for the aggregators
    • The aggregator model in the UK
  • Create a successful telematic product
    • Solve the black box installation issues
    • The OBD dongle installation
    • The evolution of the dongle and its usage
    • Build a smartphone solution
  • Raising the awareness and education of commercial channels
  • Building a customer-centric service
    • Model A: Selling insurance first
    • Model B: Selling the device first
  • Fastening the time-to-market
  • Building closer relationships with automobile manufacturers
  • Opportunities in the vehicle leasing and commercial segments
    • Usage-based Insurance in the leasing sector
    • Key benefits of UBI for the leasing and rental players
    • Building an effective commercial vehicle insurance telematics offering 282

How to make Big Data work for you

  • Extract value from data, truth and context
    • A better understanding of reality
    • A large amount of highly diverse data
    • Transforming raw data into meaningful information
    • Understanding accident data
  • The challenges of big data
    • Reducing data exchanges: the drivers
    • Building a privacy-enabled PHYD service
    • Making sense of temporarily available personal data
    • The security implications of insurance telematics
    • Comparison between the EU and US in terms of data protection
  • Data to the people
    • A sense of control
    • For a fleet, data goes wider than insurance
    • If the user owns the data, why isn't it portable?
  • Will data become a barrier to entry?

Exploit telematic insurance to lower your risks & costs

  • The 3 miracles of telematics
    • The miracle of adverse selection
    • The miracle of self-selection
    • The miracle of measuring
  • The effect of telematics on claims
    • Claims managers are not yet using telematics data
    • How telematics reduces the cost of claims management
    • The end of Personal Injury (PI) referral fees?
    • Today's requirements from the claims departments
    • The US claims opportunity
  • The benefits of a driver-behaviour programme
    • In the consumer market
    • For commercial fleets
    • Transferring experience from the fleet world to the consumer market
  • Leveraging telematic data on the existing book
    • Improving standard customers' rating
    • Improving standard customers' pricing
  • Using telematics-based pricing to reduce risks
    • Capitalise on “loss aversion”
    • Incentivise behaviours that are the most likely to change

IV. BUILDING THE TECHNOLOGY SOLUTION

Defining your technology strategy

  • Selecting the technology
    • The On-Board Unit (or black box)
    • The wireless communication channel
  • Defining a purchasing strategy
    • Why a telematic solution needs to be carefully prepared
  • Ways to the supply market
    • The right organisation
  • The key selection criteria
  • The future integration of telematics into the IT system
    • The end of statistical risk
    • The implication for the insurer's IT system

Selecting your technology supplier(s)

  • The landscape of suppliers
  • Our evaluation of suppliers
    • The major players
    • Our ranking of suppliers

Solving the key supply issues?

  • How important is the hardware?
  • What is the winning hardware combination?
  • What are the new differentiating features?
  • Will we head towards leasing models for telematic devices?
  • What are the specific supply issues for commercial insurers?

V. STRATEGIC ANALYSIS OF THE ECOSYSTEM'S EVOLUTION

Overview of the UBI strategic landscape

  • The insurance telematics value chain
  • The global telematics battlefield
    • How big is the opportunity?
    • Which players are interested?

The Original Equipment Market

  • OnStar showed the way
  • The growing interest of OEMs in insurance
  • The nascent involvement of OEMs in insurance telematics
    • The embedded / purchase model
    • The vehicle importer model
    • The rewards
  • The challenges
  • Competition issues
    • A dominant position
    • A monopoly situation?
  • TSPs on board?

The aftermarket

  • A changing value chain
  • Movements in the telematic industry
    • A rapid industry transformation
    • TSP survival strategies
    • Impact on the supply to the insurance market
    • Impact on the demand for telematic services
    • Room for automobile clubs?

Embedded or installed?

  • State Farm, the aftermarket against the OEM
  • Evolution of the European market

VI. QUANTIFYING THE UBI MARKET POTENTIAL

Maturity analysis by region

  • Attractiveness of European markets to telematics
  • Attractiveness of other markets to telematics
  • The changing face of insurance telematics

The business case for mass implementation

  • The typical business case for an insurer
    • Gross premium earned
    • Claims costs
    • Operating expenses
    • Profitability
  • Country operator business case studies
    • Italy
    • France
    • Germany
    • The USA
    • Russia

Market forecast - Personal line

  • Current market size
  • Expected growth 5
    • Our methodology
    • Global predictions
    • Which markets will significantly take off?
    • Which technology and channel will dominate?
  • Current market size
  • Expected growth
    • Worldwide
    • North America
    • Europe
  • Revenues for insurers
  • Worldwide
  • North America
  • Europe

Revenues for Telematics Technology Providers

Revenues for mobile operators

VII. CONCLUSIONS AND RECOMMENDATIONS

Conclusion

Recommendations to insurers

  • Finding the right value proposition for consumers
  • Multiple deployment strategies
  • Business model
  • Why is now a good time to start usage-based insurance?

Recommendations to governments and regulators

Recommendations to telematic solution providers

Recommendation to automotive OEMs and suppliers

Recommendations to mobile operators

VIII. CREDITS

IX. UBI GLOBAL HANDBOOK 2013

Insurer profiles

TSP profiles

TTP Profiles

Countries profiles

X. GLOSSARY

Back to Top