表紙
市場調査レポート

自動車保険テレマティクス & UBI (利用ベース保険) レポート 2016年

Insurance Telematics & UBI Report 2016

発行 TU Automotive 商品コード 259997
出版日 ページ情報 英文 81 Pages; 20 Figures
即納可能
価格
本日の銀行送金レート: 1USD=101.39円で換算しております。
Back to Top
自動車保険テレマティクス & UBI (利用ベース保険) レポート 2016年 Insurance Telematics & UBI Report 2016
出版日: 2016年08月16日 ページ情報: 英文 81 Pages; 20 Figures
概要

当レポートでは、自動車業界におけるテレマティクス保険およびUBI (利用ベース保険) 市場の現状と見通しについて調査分析し、現在の保険テレマティクス産業の状況、最大の課題、普及率、問題点、製品の革新を促進する企業、消費者調査結果、提言ソリューション、および主要企業などについて分析しています。

第1章 保険テレマティクス & UBI の現況

  • 概要
  • 世界におけるUBI & 保険テレマティクスの普及率
  • 先進市場
    • イタリア
    • 米国
    • 英国
  • 新興市場・セグメント

第2章 今後の障壁・課題

  • チャンスを逃すな
  • 狭い価値命題
  • 消費者認識・貧弱なマーケティング
  • 付加価値の提供
  • データ不足
  • チャンスを逃す
  • 消費者が利用しやすくする
  • わずかなショッピング率
  • 限られた製品可用性・選択
  • プライバシーの懸念
  • 販売チャネルの抵抗
  • 高いソリューションコスト
  • ディスカウントモデル

第3章 最も革新的なプログラム・モデル

  • 1日あたりの保険
  • ライドシェアリング保険
  • 安全性のプロモーション
  • スマートフォンアプリを通したロイヤルティショッピングリワード
  • 新しい保険アグリゲーターモデル
  • データポータビリティ

第4章 保険テレマティクス & UBI製品の革新を促進しているのは誰/何か?

第5章 主要企業

  • 米国
    • Progressive
    • State Farm
    • Allstate
    • LexisNexis/Wunelli
  • 欧州
    • Octo Telematics
    • Insurethebox
    • Generali Insurance
  • 主要企業のモデル/戦略から学べること
    • General findings
    • Progressive
    • Allstate
    • State Farm
    • Generali
    • Insurethebox
    • AAMI, Discovery, Metromile
  • 本章のまとめ

第6章 テレマティクスのアップデート:消費者調査

  • 調査結果
  • 顧客がUBI & 保険テレマティクス製品を採用しない理由は?
  • ヘッドライン結果

第7章 規制・プライバシー

  • 保険産業に帰省が及ぼす影響
    • 英国・欧州
    • 米国
    • カナダ
  • 規制の発展
  • 自動車/保険データに関する最新の判例

第8章 UBI & 保険テレマティクス製品においてマーケティングが不可欠な理由

  • 効果的な価値命題を構築する方法
    • 明確の目標の設定
    • パーソナライズドVASおよびリワードの提供
    • UBIデバイスの選択を提供
    • 消費者の教育
    • 消費者の日常のデジタルライフに関わる方法を見つける
  • VAS (付加価値サービス) とディスカウントの最適な融合
    • 全体的な概要
    • 米国、英国およびカナダ市場
    • 消費者マインド
    • より良いセグメント
    • ロイヤルティ
    • デバイス開発コストがサービス提供の妨げに
    • UBIは多くの消費者価値を示す必要
  • VASのタイプと誰がそれを提供するのか、またその理由
  • ディスカウントを提供しているキャリア、および成功していること
    • 米国
    • カナダ
    • 英国
    • イタリア

第9章 ケーススタディ

  • 北米
    • Allstate
    • State Farm
    • Drive Factor
    • Desjardins
  • 欧州/その他
    • Octo
    • Generali
    • The Floow
    • AAMI

産業からの教訓

参考文献

略語

図表

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次

Industry Overview

The benefits of insurance telematics and UBI products are well known to the insurance industry, but the consumer is yet to be entirely convinced by the value propositions of these products. Increasing the adoption rates of telematics and UBI products is the biggest challenge the industry faces. This in-depth report will analyse the most successful models and value propositions in the industry and show you how to refine your marketing to increase the adoption of your product. With a combination of qualitative and quantitative data, this research report will provide unique analysis on how to build successful insurance products to increase adoption rates.

Key areas covered:

  • Trends in insurance telematics and UBI
  • The future of the sector
  • What are the consumer barriers? Why do they exist? How do we overcome them?
  • The Value proposition - what are the most effective VPs on the market? How were they developed? What works where?
  • The optimum VAS/discount mix
  • The companies leading the way - what are the facts and figures behind their success?
  • Overview of the UBI and insurance telematics industry globally

Your key questions answered:

  • Where is the insurance telematics industry at currently?
  • How do people view the biggest issues?
  • Is it solely a marketing issue?
  • What are the adoption rates?
  • What are the problems?
  • Who is driving innovation in insurance telematics and UBI products?
  • Who are the top 5 companies (for US and Europe) in this space? What can be learnt from their models?
  • What are the findings of our consumer survey? What are the main objections? Why won't customers take up UBI and Insurance Telematics products?
  • What are the suggested solutions?

Companies Who Contributed:

  • Tim Marlow, Head of Autonomous and Connected Vehicle Research, Ageas UK
  • David Lukens, Director, Lexis Nexis
  • Mark Godfrey, Head of Sales and Marketing, RAC
  • Luigi Barcarolo, Head of Telematics Competence Center, Generali
  • Roberto Polli, Global Head of Insurance Telematics, Vodafone
  • Aldo Monteforte, CEO, The Floow
  • Simon Russell, ITB
  • Nino Tarantino, CEO, Octo Telematics
  • David Pratt, General Manager - UBI, Progressive
  • Robin Harbage, Director, Towers Watson
  • Simon Ralphs, CEO, Telematicus

Table of Contents

  • Welcome
  • Industry reviews
  • Thought leadership
  • About
  • Acknowledgements
  • Index of figure and tables
  • Executive summary
  • Introduction

1. Today's insurance telematics and UBI landscape

  • 1.1. Overview
  • 1.2. Adoption rates for UBI and insurance telematics globally
  • 1.3. The more established markets
    • 1.3.1. Italy
    • 1.3.2. United States
    • 1.3.3. United Kingdom
  • 1.4. Emerging markets and segments

2. O bstacles and challenges ahead

  • 2.1. Don't miss the boat
  • 2.2. Narrow value proposition
  • 2.3. Consumer awareness and poor marketing
  • 2.4. Providing added value
  • 2.5. Lack of data
  • 2.6. Missed opportunity
  • 2.7. Make it easy for the consumer
  • 2.8. Limited shopping rates
  • 2.9. Restricted product availability and choice
  • 2.10. Privacy concerns
  • 2.11. A resistent sales channel
  • 2.12. High solution costs
  • 2.13. Discount models

3. M ost innovative programs and models

  • 3.1. Insurance Per Day
  • 3.2. Ridesharing insurance
  • 3.3. Promoting safety
  • 3.4. Loyalty shopping rewards through a smartphone app
  • 3.5. New insurance aggregator model
  • 3.6. Data portability

4. Who/what is driving innovation in insurance telematics and UBI products

5. Who are the top companies in this space

  • 5.1. US
    • 5.1.1. Progressive
    • 5.1.2. State Farm
    • 5.1.3. Allstate
    • 5.1.4. LexisNexis/Wunelli
  • 5.2. Europe
    • 5.2.1. Octo Telematics
    • 5.2.2. Insurethebox
    • 5.2.3. Generali Insurance
  • 5.3. What can be learnt from their model / strategy
    • 5.3.1. General findings
    • 5.3.2. Progressive
    • 5.3.3. Allstate
    • 5.3.4. State Farm
    • 5.3.5. Generali
    • 5.3.6. Insurethebox
    • 5.3.7. AAMI, Discovery, Metromile
  • 5.4. Chapter round-up

6. The Telematics Update consumer survey

  • 6.1. Findings
    • Q1. Before this survey where you aware of motor insurance telematics?
    • Q2. Do you have a telematics insurance policy?
    • Q3. If you could use a device for free to reduce your car insurance premiums - if you and your family drive carefully - how interested would you be?
    • Q4. How likely would you be to take out an insurance policy which used data on your driving to offer the following options?
    • Q5. Which of the following do you think are the target markets for motor insurance telematics?
    • Q6. How do you see the uptake of insurance telematics?
    • Q7. Which of the following would be important to you as part of an insurance telematics package?
    • Q8. Which of these technologies would you favor to track your driving habits and possibly reduce your insurance premium?
    • Q9. How much would you have to save on your premium to share your driving data with your insurer?
    • Q10. Where do you come across information about motor insurance policies?
  • 6.2. Why will customers not take up UBI and insurance telematics products?
  • 6.3. Headline results

7. Regulations and privacy

  • 7.1. Impact of regulation on the insurance industry
    • 7.1.1. UK and Europe
    • 7.1.2. US
    • 7.1.3. Canada
  • 7.2. Regulatory developments
  • 7.3. Recent precedent on car/insurance data?

8. Why marketing is essential in UBI and insurance telematics products

  • 8.1. How to build an effective value proposition
    • 8.1.1. Set clear objectives
    • 8.1.2. Offer personalized VAS and rewards
    • 8.1.3. Offer a choice of UBI devices
    • 8.1.4. Educate consumers
    • 8.1.5. Find ways to become relevant to a consumer's daily digital life
  • 8.2. The optimum blend of VAS and discounts
    • 8.2.1. General overview
    • 8.2.2. US, UK and Canadian markets
    • 8.2.3. Consumer sentiment
    • 8.2.4. Better segmentation
    • 8.2.5. Loyalty
    • 8.2.6. Device deployment costs hinder service provision
    • 8.2.7. UBI needs to demonstrate more consumer value
  • 8.3. Types of VAS and who are offering them and why
  • 8.4. Which carriers are offering discounts and what have been the successes
    • 8.4.1. US
    • 8.4.2. Canada
    • 8.4.3. UK
    • 8.4.4. Italy

9. C ase studies

  • 9.1. North America
    • 9.1.1. Allstate
    • 9.1.2. State Farm
    • 9.1.3. Drive Factor
    • 9.1.4. Desjardins
  • 9.2. Europe / Rest of the World
    • 9.2.1. Octo
    • 9.2.2. Generali
    • 9.2.3. The Floow
    • 9.2.4. AAMI
  • Industry learnings
  • References
  • Abbreviations

List of Figures and Tables

  • Figure 1: Telematics penetration in Italy by district
  • Figure 2: Number of live UBI policies in the UK in 2015
  • Figure 3: US consumer awareness of UBI
  • Figure 4: Interrelated claims functions that benefits from the integration of telematics data

List of Tables

  • Table 1: 2014 UBI adoption rates
  • Table 2: 2016 UBI adoption rates
  • Table 3: Number of live UBI policies in the UK in 2015
  • Table 4: Before this survey were you aware of motor insurance telematics?
  • Table 5: Do you have a telematics insurance policy?
  • Table 6: If you could use a device for free to reduce your car insurance premium - if you and your family drive carefully - how interested would you be?
  • Table 7: How likely would you be to take out an insurance policy which used data on your driving to offer the following?
  • Table 8: Which of the following do you think are the target markets for motor insurance telematics?
  • Table 9: How do you see the uptake of insurance telematics?
  • Table 10: Which one of the following would be important to you as part of an insurance telematics package?
  • Table 11: Which one of the following would be important to you as part of an insurance telematics package?
  • Table 12: Which of these technologies would you favor to track your driving habits and possibly reduce your insurance premiums?
  • Table 13: How much would you have to save on your premium to share your driving data with your insurer?
  • Table 14: Consumer demand vs UBI value proposition
  • Table 15: Insurers offering value-added services
  • Table 16: North American carriers offering discount
  • Table 17: European insurance companies offering insurance discounts
Back to Top