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市場調査レポート

世界および中国のUBI (走行状況に応じた自動車保険) 市場

Global and China Automotive UBI (Usage-based Insurance) Industry Report, 2014-2017

発行 ResearchInChina 商品コード 339569
出版日 ページ情報 英文 90 Pages
納期: 即日から翌営業日
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世界および中国のUBI (走行状況に応じた自動車保険) 市場 Global and China Automotive UBI (Usage-based Insurance) Industry Report, 2014-2017
出版日: 2015年09月08日 ページ情報: 英文 90 Pages
概要

UBI (Usage-based Insurance) とは自動車保険の一種で、掛け金が車種、乗車時間、走行距離、運転状況、また乗車場所等に応じて決まるタイプの保険を言います。UBIプログラムには主として運転行動をモニターするOBD (On-Board Diagnostics: 自動車搭載診断・モニター装置) や、PAYD (Pay As You Drive: 走行距離連動式保険料支払) 、またPHYD (Pay How You Drive: 運転行動連動式保険料支払) などの保険料制が含まれます。現在UBIは欧州や米国で一般化してきており、またテレマティクス企業各社は保険会社が正確なUBI料金設定ができるようOBDデバイスの最適化を続けています。 現在中国の自動車保険市場は保険料が高く、またコンバインドレシオも高いものとなっており、このためUBIが登場し始めています。

当レポートは、世界および中国のUBI市場を精査しており、北米や欧州の自動車保険市場、およびUBI市場の現状や動向、またUBI事業の状況ならびに主要企業についての調査、分析を行った上で、中国における自動車保険の現状やUBIの発達動向、主要企業のUBI事業状況についての分析と将来予測を行っています。さらにUBI商品や技術を提供する主な中国国内企業と外資系企業について詳細な企業プロファイルとビジネス分析を提供しています。

第1章 UBI (走行状況に応じた自動車保険) の概要

  • 定義
  • ユーザーへの価値
  • 保険会社への価値
  • 課題と将来

第2章 世界のテレマティクス保険市場

  • 米国の自動車保険市場
  • 北米におけるUBIの発達状況および動向
    • 米国のUBI市場
    • カナダのUBI市場
  • 欧州の自動車保険市場
    • ドイツのUBI市場
    • 英国のUBI市場
    • フランスのUBI市場
  • 日本のUBI市場

第3章 中国における自動車保険およびUBIの現状ならびに動向

  • 中国における自動車保険の現状
  • 中国におけるUBIの発達状況
  • 中国におけるUBIの発展動向

第4章 欧州におけるUBI事業および主要企業

  • UnipolSai
    • 企業プロファイル
    • UBIビジネス
  • Generali
  • Allianz
  • Insure The Box

第5章 北米におけるUBI事業および主要企業

  • Progressive
    • 企業プロファイル
    • UBIビジネス
  • State Farm
  • Allstate
  • Esurance
  • Desjardins
  • Hartford

第6章 中国におけるUBI事業および主要企業

  • China Life Property & Casualty Insurance Co., Ltd.
    • 企業プロファイル
    • 運営事業
    • 収益構造
    • 自動車保険ビジネス
    • UBIビジネス
  • PICC P&C
  • Ping An Property & Casualty Insurance Company of China, Ltd.
  • Angbang-insurance

第7章 外資系UBI商品および技術企業

  • Baseline Telematics
    • 企業プロファイル
    • テレマティクス事業
  • Vodafone Automotive
  • Masternaut
  • Modus
  • MyDrive Solutions
  • Octo Telematics
  • TomTom Telematics

第8章 中国のUBI商品および技術企業

  • Tencent Lobo
    • 企業プロファイル
    • Tencent iMaintenance
  • Beijing Carsmart Technology Co., Ltd.
    • 企業プロファイル
    • ビジネス業績
    • 収益構造
    • 中核テレマティクス商品
    • テレマティクスUBIビジネス
  • Nanjing Renrenbao Network Technology Co., Ltd.
    • 企業プロファイル
    • Chebao UBIビジネス
  • Launch Tech Co., Ltd.
    • 企業プロファイル
    • UBIビジネス
  • Shenzhen Autonet Co., Ltd.
    • 企業プロファイル
    • ビジネスモデル
    • 業務提携モデル
    • 最新ビジネス動向
  • Risk Network
    • 企業プロファイル
    • UBIビジネス
    • 事業展開戦略
  • JiangSu CPS Digital DNA Science Technology Development Co., Ltd.
    • 企業プロファイル
    • UBIビジネス
  • NICIGO
    • 企業プロファイル
    • UBIビジネス
目次
Product Code: QL001

Usage-based insurance (UBI) is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, behavior and place. It more closely aligns driving behaviors with premium rates for auto insurance. The UBI program mainly includes On-Board Diagnostics (OBD) to monitor the driving habits, pay as you drive (PAYD), and pay how you drive (PHYD).

At present, UBI has been popularized in Europe and the United States, where the insurers like Allianz, Insure The Box, Progressive, Allstate, and Desjardins Insurance have developed UBI business and made some profits. Meanwhile, the telematics providers in different countries including Baseline Telematics, Masternaut, MyDrive Solutions Limited, Octo Telematics, and TomTom Telematics have continuously optimized OBD devices to assist insurers with accurate UBI pricing.

UBI has not only allowed users to save premiums, but also helped insurers win the interests. At present, China's automotive insurance market has high premiums and auto insurance enterprises have higher combined ratio, so the marketization of the motor vehicle insurance rate is vividly portrayed, and thus UBI came into being. As of August 2015, China's UBI business models were as follows:

  • Buying Insurance that Comes with Maintenance
    • Typical Cases: Cooperating between Tencent Lobo, Castrol, and PICC P&C
    • Operation Model: PICC sold auto insurance to car owners, and the car owners who bought Lobo Box and PICC auto insurance accept oil maintenance service at designated offline service outlets and obtained subsidies through Lobo APP after payment. The preference lasts for one year, with unlimited times. Lobo APP, together with Lobo Box, can record the driving conditions.
  • Cooperation between Telematics Companies and Insurers
    • Typical Cases: Carsmart has cooperated with China Life Property & Casualty Insurance and Sunshine Insurance Group.
    • Operation Model: After having bought auto insurance of insurance companies, car owners can gain in-vehicle OBD from telematics companies for free. OBD records the data on drivers' driving, and telematics companies analyze the data, based on which the insurance companies determine the owners' premium rate. Drivers with good driving habits could get benefits. The model could help telematics companies and insurers carry out multilateral cooperation.
  • Cooperation between Internet firms, Insurance Companies, and Telematics Companies
    • Typical Cases: Baidu, Launch, and Ping An Property & Casualty Insurance Company
    • Operation Model: Internet companies provide internet access, APP, and big-data analysis solutions; OBD enterprises offer in-vehicle diagnosis and maintenance service; insurance companies provide auto insurance claim service. Baidu and Launch jointly released golo, which records the driving behavior, and at the same time they provide the drivers' pricing scheme to insurance companies. Ping An Property & Casualty Insurance Company determines the vehicle insurance rate of different type of customers based on risk pricing schemes.
  • Cooperation between Auto Circulation Industry, Insurance Companies, and Telematics Companies
    • Typical Cases: cooperation between China Grand Auto, PICC P&C, and Shenzhen Autonet
  • Operation Model: Car owners buy cars in 4S dealership stores whilst purchasing auto insurance of cooperative insurers before gaining in-vehicle OBD device. And the customers can obtain preference for maintenance service offered by 4S dealership stores. At the same time, the customers with good driving habits will also gain premium discount provided by insurance companies.

In the future, in-vehicle OBD and supported APP will continue to optimize driving behavior monitoring, traffic monitoring, positioning, anti-theft, and risk early-warning, and make UBI pricing parameter selection and algorithm model more accurate. UBI is bound to provide more reasonable auto insurance to customers, and bring benefits to insurers.

Table of Contents

1 Overview of UBI

  • 1.1 Definition
  • 1.2 Value to Users
  • 1.3 Value to Insurers
  • 1.4 Challenge and Future
    • 1.4.1 Challenge
    • 1.4.2 Future

2 Global Telematics Insurance Market

  • 2.1 Automobile Insurance Market in the US
  • 2.2 UBI Development Status and Trend in North America
    • 2.2.1 UBI Market in the US
    • 2.2.2 UBI Market in Canada
  • 2.3 Automobile Insurance Market in Europe
    • 2.3.1 UBI Market in Germany
    • 2.3.2 UBI Market in the UK
    • 2.3.3 UBI Market in France
  • 2.4 UBI Market in Japan

3 Status Quo and Trends of Automobile Insurance and UBI in China

  • 3.1 Current Situation of Automobile Insurance in China
  • 3.2 Development Status of UBI in China
  • 3.3 Development Trends in UBI in China

4 UBI Cases and Companies in Europe

  • 4.1 UnipolSai
    • 4.1.1 Profile
    • 4.1.2 UBI Business
  • 4.2 Generali
    • 4.2.1 Profile
    • 4.2.2 UBI Business
  • 4.3 Allianz
    • 4.3.1 Profile
    • 4.3.2 UBI Business
  • 4.4 Insure The Box
    • 4.4.1 Profile
    • 4.4.2 UBI Business

5 UBI Cases and Companies in North America

  • 5.1 Progressive
    • 5.1.1 Profile
    • 5.1.2 UBI Business
  • 5.2 State Farm
    • 5.2.1 Profile
    • 5.2.2 UBI Business
  • 5.3 Allstate
    • 5.3.1 Profile
    • 5.3.2 UBI Business
  • 5.4 Esurance
    • 5.4.1 Profile
    • 5.4.2 UBI Business
  • 5.5 Desjardins
    • 5.5.1 Profile
    • 5.5.2 UBI Business
  • 5.6 Hartford
    • 5.6.1 Profile
    • 5.6.2 UBI Business

6 UBI Companies in China

  • 6.1 China Life Property & Casualty Insurance Co., Ltd.
    • 6.1.1 Profile
    • 6.1.2 Operation Business
    • 6.1.3 Revenue Structure
    • 6.1.4 Motor Vehicle Insurance Business
    • 6.1.5 UBI Business
  • 6.2 PICC P&C
    • 6.2.1 Profile
    • 6.2.2 Operation Business
    • 6.2.3 UBI Business
  • 6.3 Ping An Property & Casualty Insurance Company of China, Ltd.
    • 6.3.1 Profile
    • 6.3.2 Operation Business
    • 6.3.3 Revenue Structure
    • 6.3.4 Information on Operating Insurance Products
    • 6.3.5 Motor Vehicle Insurance Operation Business
    • 6.3.6 UBI Business
  • 6.4 Angbang-insurance
    • 6.4.1 Profile
    • 6.4.2 Operation Business
    • 6.4.3 Revenue Structure
    • 6.4.4 Information on Operating Insurance Products
    • 6.4.5 Motor Vehicle Insurance Operation Business

7 Foreign UBI Product and Technology Providers

  • 7.1 Baseline Telematics
    • 7.1.1 Profile
    • 7.1.2 Telematics Business
  • 7.2 Vodafone Automotive
    • 7.2.1 Profile
    • 7.2.2 Telematics Business
  • 7.3 Masternaut
    • 7.3.1 Profile
    • 7.3.2 Telematics Business
  • 7.4 Modus
    • 7.4.1 Profile
    • 7.4.2 Telematics Business
  • 7.5 MyDrive Solutions
    • 7.5.1 Profile
    • 7.5.2 Telematics Business
  • 7.6 Octo Telematics
    • 7.6.1 Profile
    • 7.6.2 Telematics Business
  • 7.7 TomTom Telematics
    • 7.7.1 Profile
    • 7.7.2 Insurance Telematics Business

8 Chinese UBI Product and Technology Providers

  • 8.1 Tencent Lobo
    • 8.1.1 Profile
    • 8.1.2 Tencent iMaintenance
  • 8.2 Beijing Carsmart Technology Co., Ltd.
    • 8.2.1 Profile
    • 8.2.2 Business Performance
    • 8.2.3 Revenue Structure
    • 8.2.4 Core Telematics Products
    • 8.2.5 Telematics UBI Business
  • 8.3 Nanjing Renrenbao Network Technology Co., Ltd.
    • 8.3.1 Profile
    • 8.3.2 Chebao UBI Business
  • 8.4 Launch Tech Co., Ltd.
    • 8.4.1 Profile
    • 8.4.2 UBI Business
  • 8.5 Shenzhen Autonet Co., Ltd.
    • 8.5.1 Profile
    • 8.5.2 Business Model
    • 8.5.3 Business Cooperation Model
    • 8.5.4 Latest Business Trend
  • 8.6 Risk Network
    • 8.6.1 Profile
    • 8.6.2 UBI Business
    • 8.6.3 Development Strategy
  • 8.7 JiangSu CPS Digital DNA Science Technology Development Co., Ltd.
    • 8.7.1 Profile
    • 8.7.2 UBI Business
  • 8.8 NICIGO
    • 8.8.1 Profile
    • 8.8.2 UBI Business

Selected Charts

  • Value of UBI Products to Users by Level
  • Distribution of UBI Companies Worldwide
  • PAYD Model of Foreign Auto Insurance Enterprises
  • Global UBI Penetration by Region, 2020E
  • Customer Satisfaction of US Insurance Companies, 2015
  • Development of UBI in Europe
  • Development of UBI in the UK
  • Operation of Chinese UBI Enterprises
  • UBI Market Size in China, 2014-2020E
  • Allianz's Global Business
  • Allianz's UBI Products
  • Allianz's Competitors
  • Allianz and Its Major Rivals
  • Allianz's Partners
  • Elements and Functions of Black Box
  • Revenue and Net Income of Progressive Insurance, 2010-2014
  • Revenue of Progressive Insurance by Product, 2010-2014
  • Progressive's UBI Development History
  • Progressive's telematics box, which fits under the dashboard
  • State Farm's Premium Revenue and Growth Rate, 2011-2014
  • State Farm's Loss Ratio Promised, 2011-2014
  • Net Income of State Farm, 2011-2014
  • Business Process of State Farm DSS
  • Premium Renewal Discount of Users that Use and Do Not Use DSS
  • State Farm DSS Value-added Service
  • DriveWise Products of Allstate
  • Drivewise APP Services of Allstate
  • Ajusto Small-sized Wireless Devices
  • Ajusto Program with Telematics Devices
  • Revenue and Net Income of China Life Property & Casualty Insurance, 2011-2014
  • Revenue Structure of China Life Property & Casualty Insurance, 2011-2014
  • Motor Vehicle Insurance Operation of China Life Property & Casualty Insurance, 2011-2014
  • Revenue and Net Income of PICC P&C, 2011-2014
  • Revenue and Net Income of Ping An Property & Casualty Insurance Company of China, 2011-2014
  • Revenue Structure of Ping An Property & Casualty Insurance Company of China, 2011-2014
  • Products of Ping An Property & Casualty Insurance Company of China, 2014
  • Motor Vehicle Insurance Operation Business of Ping An Property & Casualty Insurance Company, 2011-2014
  • Revenue and Net Income of Anbang Property Insurance, 2011-2014
  • Revenue Structure of Anbang Property Insurance, 2011-2014
  • Insurance Products of Anbang Insurance Group, 2014
  • Motor Vehicle Insurance Business of Anbang Property Insurance, 2011-2014
  • Vodafone Automotive's Main Business
  • Vodafone Automotive's Major Global Markets
  • Vodafone's UBI Solution
  • Ranking of Masternaut UBI Trials in Europe
  • Modus UBI Telematics Structure
  • Update of MyDrive Products
  • Wipro-Mydrive and Major Competitors
  • Octo's Telematics Services
  • Octo's Partners
  • Clear Box Functional Module
  • TomTom UBI Model
  • Tencent iMaintenance "Buying Auto Insurance that Comes with Free Maintenance" Model
  • Revenue and Net Income of Beijing Carsmart Technology, 2010-2014
  • Revenue Structure of Beijing Carsmart Technology by Business, 2010-2014
  • Chebao UBI Business Model
  • Business Model of LAUNCH
  • Business Model of Shenzhen Autonet
  • Cooperation between Shenzhen Autonet, China Grand Auto, and PICC P&C
  • Risk Network's UBI Model Development Process
  • Produce Release of DNA Science Technology
  • UBI Business Model of DNA Science Technology
  • Three Major Functional Modules of PICC Aiche V1.0
  • Main Functions of GID Lite
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