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市場調査レポート

自動車保険テレマティクスレポート

Insurance Telematics Report 2014

発行 TU Automotive 商品コード 259997
出版日 ページ情報 英文 80 Pages; 45 Figures & Graphs
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自動車保険テレマティクスレポート Insurance Telematics Report 2014
出版日: 2014年03月31日 ページ情報: 英文 80 Pages; 45 Figures & Graphs
概要

利用ベース保険(UBI:Usage-based Insurance)は、代理店ベースの格付けモデルおよび過去のパターンからリアルタイムのドライバー態度分析へと移行する、自動車保険の引受方法における根本的な変化を表しています。

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市場の現状と見通しについて調査分析し、UBIの理解とその事業への影響、市場の促進因子と阻害因子、パラダイムシフトの理解、成功するUBI戦略の設計、および戦略に最適のハードウェアソリューションの選択などをまとめ、概略以下の構成でお届けいたします。

第1章 保険テレマティクス市場の現況

  • UBI(利用ベース保険)の特質・メリット
  • UBI市場の阻害因子・促進因子

第2章 現在の市場動向

  • ビジネスモデル
  • データ分析
  • 消費者エンゲージメント戦略
  • 消費者教育
  • ブローカーとモバイルネットワークオペレーターがバリューチェーンを破壊

第3章 グレートデバイスの議論

  • 専門的にインストールしたブラックボックス
  • セルフインストールしたオンボード診断デバイス(OBD2ドングル)
  • スマートフォン
  • 組込みOEMソリューション(ラインフィット)
  • ハイブリッドソリューション

第4章 主なUBI市場:北米・欧州

  • 北米
  • 欧州
  • オーストラリア
  • Googleのワイルドカード

第5章 消費者エンゲージメント戦略

  • 現在のUBI
  • ディスカウントよりもリワード
  • 組織全体を保証する
  • デジタルへ向かう
  • ソーシャルメディア:消費者エンゲージメントにおける最新動向
  • ゲーミフィケーションの力、ほか

第6章 企業保険向けUBI

  • フリート・UBIの市場潜在性

第7章 データおよびデータ分析

  • データストレージ・プロセッシング
  • データ品質
  • データ分析
  • データプライバシー
  • データ基準
  • データ収集

産業からの教訓

調査手法

頭字語リスト

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

Usage-based Insurance (UBI) represents a fundamental change in the way auto insurance is underwritten, a move from proxy-based ratings models and history patterns to real-time driver behavior analysis. In time, it is expected to render traditional methods of risk assessment obsolete and profoundly transform the way risk is underwritten.

This report provides a solid overview of the milestones that helped shape UBI in 2013. And it discusses what to expect from 2014 and beyond, drawing on in-depth interviews with more than 30 insurance industry executives, Telematics Update's regular coverage of the industry and two proprietary surveys.

One is an exclusive Telematics Update survey of international market sentiments drawing on the answers of 305 executives, the other a collaborative effort with A.T. Kearney focusing on key market drivers, impediments to growth, tracking device choices and value-added services in North America.

Questions the report will answer:

  • Understand UBI and how it can change your business: Learn about the benefits of Pay As You Drive (PAYD), Pay How You Drive (PHYD) and Manage How You Drive (MHYD), accurate pricing, UBI-enabled claims handling and value-added services to enhance customer experience and stay ahead of competition.
  • Understand key market drivers and barriers: Learn about market specifics in North America and Europe. Understand the main drivers of UBI adoption and barriers to entry. Understand how maturing telematics technologies and advances in portable devices are driving the evolution of UBI from PAYD to MHYD.
  • Understand paradigm shifts: Understand the paradigm shift from a race to the bottom on price - using discounts for low-mileage clients and good drivers - to value-added services. Understand UBI as a high-touch business in which customer engagement is considered essential to success.
  • Design a winning UBI strategy: Learn how to refine sales strategies to overcome common misconceptions about UBI, keeping in mind that, because UBI involves both a new product and new technology, successful consumer engagement is a vital - perhaps the most important - element in product design.
  • Pick a hardware solution to best fit your strategy: Get an in-depth look at smartphone and OBD2 dongle-based programs, and understand the role of professionally installed black boxes, hybrid systems and embedded OEM solutions.

Table of Contents

  • Welcome
  • Key learning
  • Industry reviews
  • About Telematics Update
  • Thought leadership
  • Acknowledgements
  • Index of figures and tables
  • Introduction
  • Executive summary

1. Current state of the insurance telematics market

  • 1.1. Nature and benefits of usage-based insurance
    • 1.1.1. Accurate pricing and leaving base rates intact (for now)
    • 1.1.2. Better claims-handling
    • 1.1.3. Fewer accidents, lower average cost per claim
    • 1.1.4. Premium reduction is key for consumers
    • 1.1.5. Value-added services
  • 1.2. UBI market barriers and drivers
    • 1.2.1. Barriers to growth
    • 1.2.2. Market drivers
    • 1.2.3. Regulation and customer value proposition
      • 1.2.3.1. Regulation
      • 1.2.3.2. Customer value proposition

2. Current market trends

  • 2.1. Business models
  • 2.2. Data analytics
  • 2.3. Consumer engagement strategies
  • 2.4. Consumer education
  • 2.5. Brokers and mobile network operators disrupt the value chain
    • 2.5.1. Brokers team up to offer UBI solutions
    • 2.5.2. Mobile network operators compete to offer UBI

3. The great device debate

  • 3.1. Professionally installed black box
  • 3.2. Self-installed onboard diagnostics device (OBD2 dongle)
  • 3.3. Smartphone
  • 3.4. Embedded OEM solution (line-fit)
  • 3.5. Hybrid solutions

4. Key UBI markets: North America and Europe

  • 4.1. North America
    • 4.1.1. United States
    • 4.1.2. Canada
    • 4.1.3 Conclusion
  • 4.2. Europe
    • 4.2.1. Italy
    • 4.2.2. United Kingdom
    • 4.2.3. Germany and Spain
  • 4.3. Australia
  • 4.4. The Google wild card

5. Consumer engagement strategies

  • 5.1. Current UBI: Lackluster, underleveraged, boring
  • 5.2. Jazzing things up
  • 5.3. Rewards other than discounts
  • 5.4. Engage your whole organization
  • 5.5. Go digital
  • 5.6. Social media: The latest trend in consumer engagement
  • 5.7. The power of gamification

6. UBI for commercial lines

  • 6.1. Market potential for fleets and UBI

7. Data and data analytics

  • 7.1. Data storage and processing
  • 7.2. Data quality
  • 7.3. Data analytics
  • 7.4. Data privacy
  • 7.5. Data standards
  • 7.6. Data collection
  • Industry learning
  • Methodology
  • List of acronyms

List of Figures

  • Figure 1: Typical benefits of UBI
  • Figure 2: Most business-critical benefits enabled by UBI
  • Figure 3: Most business-critical benefits enabled by UBI, by region
  • Figure 4: Base rate increase for non-UBI drivers
  • Figure 5: Average score for automatic crash notification, by region
  • Figure 6: Factors critical to the design of a successful UBI product, by region
  • Figure 7: Relevance of value-added services for a successful UBI product
  • Figure 8: Value-added services most valued by consumers
  • Figure 9: Biggest impediments to UBI growth and adoption
  • Figure 10: Most important growth drivers for UBI
  • Figure 11: What will be the most compelling element of the proposition in 3-5 years (details)
  • Figure 12: From PAYD to MHYD
  • Figure 13: UBI business models by popularity
  • Figure 14: Primary gatekeeper of the telematics ecosystem
  • Figure 15: UBI hardware outlook, all respondents
  • Figure 16: SWOT analysis of the professionally installed black box
  • Figure 17: SWOT analysis of OBD2 dongle
  • Figure 18: SWOT analysis of smartphone-based UBI
  • Figure 19: SWOT analysis of embedded OEM solutions
  • Figure 20: SWOT analysis of hybrid solutions
  • Figure 21: UBI and the road to widespread adoption
  • Figure 22: Insurance telematics consumer touch points
  • Figure 23: UBI communication channels
  • Figure 24: The UBI data paradigm
  • Figure 25: Breakdown of TU's November 2013 survey by primary business of respondent
  • Figure 26: Breakdown of TU's November 2013 survey by job function of respondent
  • Figure 27: Breakdown of TU's November 2013 survey by country

List of Tables

  • Table 1: Most business-critical benefits enabled by UBI (details)
  • Table 2: Most business-critical benefits enabled by UBI, by region (details)
  • Table 3: Base rate increase for non-UBI drivers (details)
  • Table 4: Factors critical to the design of a successful UBI product, by region (details)
  • Table 5: Value-added services most valued by consumers (details)
  • Table 6: Consumer willingness to pay for value-added services
  • Table 7: Biggest impediments to UBI growth and adoption (details)
  • Table 8: Most important growth drivers for UBI (details)
  • Table 9: Regulation and customer value proposition (details)
  • Table 10: Change in average premiums for young-driver segment in the U.K., 2012-13
  • Table 11: Reasons for purchasing UBI
  • Table 12: What will be the most compelling element of the proposition in 3-5 years (details)
  • Table 13: UBI business models by popularity (details)
  • Table 14: Primary gatekeeper of the telematics ecosystem (details)
  • Table 15: UBI hardware outlook, all respondents (details)
  • Table 16: UBI hardware outlook, North America and Europe (details)
  • Table 17: UBI market penetration, mature markets
  • Table 18: UBI and the road to widespread adoption (details)
  • Table 19: Top 10 U.S. insurance carriers by direct premiums written (total private passenger auto), 2012
  • Table 20: North American UBI market overview
  • Table 21: Italian UBI market overview
  • Table 22: U.K. UBI market overview
  • Table 23: UBI communication channels (details)
  • Table 24: Breakdown of TU's November 2013 survey by primary business of respondent (details)
  • Table 25: Breakdown of TU's November 2013 survey by job function of respondent (details)
  • Table 26: Breakdown of TU's November 2013 survey by country (details)
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