車両保険の世界市場規模：保険料タイプ別、地域別、範囲および予測

車両保険の市場規模と予測

車両保険の市場規模は、2021年に6,061億8,000万米ドルと評価され、2022年から2030年にかけてCAGR 6.73%で成長し、2030年には1兆838億8,000万米ドルに達すると予測されます。車両保険が提供するメリットに対する意識の高まりは、市場の主要な促進要因であると言えます。保険は人々に保護を提供し、中所得者層には自動車が損害を被った場合の救いの手となります。従って、車両保険が所有者に提供する安全性が市場を牽引すると予想されます。車両保険の世界市場レポートは、市場の全体的な評価を提供します。主要セグメント、動向、市場促進要因、競合情勢、市場で重要な役割を果たしている要因などを包括的に分析しています。

世界の車両保険市場の定義

車両保険は、個人用車両、商用車、オートバイ、その他の道路走行車両に加入する保険の一種です。車両保険は、車両の所有者が、車両が損害を受けたり盗難にあったりした場合に備え、安全性を確保するために加入するものです。車両保険は主に、法的リスク（事故から生じる法的請求）と財産的リスク（車両の盗難や損傷）の両方をカバーします。車両タイプ別に見ると、市場は乗用車、小型商用車、大型商用車、バスに分けられます。同市場が消費者に提供する安心感と、同市場に有利な政府規制の増加が、市場のさまざまな開拓につながっています。最近導入された利用ベース保険は、ペイ・パー・マイル、ペイ・アズ・ユー・ドライブとも呼ばれます。この保険では、保険会社は自動車の走行距離、走行場所、走行方法を測定する権限を持っています。

使用ベース保険は最近、特に米国など欧米諸国の市場で注目を集めています。各国政府も保険業界を活性化させるためのイニシアチブを取っています。例えば、インド政府は2021年度連邦予算で保険への直接投資枠を拡大し、インド保険規制開発庁（IRDAI）はデジ・ロッカーを通じた保険を発表しました。同様に、この市場の様々な主要プレーヤーや各国政府は、この市場が将来的にもたらす可能性を見込んで、この市場に投資しています。

世界の車両保険市場概要

車両保険は、物理的損害、交通事故による損害、車両の盗難などに対して消費者を経済的に保護するものです。これに加えて、車両保険業界は、被保険者である車両の所有者が他の車両に与えた傷害、死亡、物的損害に関連する費用もカバーします。ダイナミックな世界では誰もが安全を求めており、車両保険業界はその安全を消費者に提供しています。それゆえ、保険業界は信頼を得ており、大きな需要があります。市場の需要は、自動車を購入した後、その所有者が次にすることは、車両保険に加入して自動車を保証することであるという事実によって計算することができます。過去数年間の事故件数の増加も、保険に加入する主な理由の一つとして挙げられます。

政府の自動車市場に対する積極的な姿勢や、自動車市場に有利な厳しい規制も、需要増に貢献しています。消費者の一人当たり所得の急増による世界の自動車販売の増加は、市場の売上を押し上げる主な要因です。緊急通報機能などのテレマティクス・サービスを義務付ける政府の意欲の高まりや、自動車のコネクティビティとインテリジェンスの向上に対する需要の高まりにより、テレマティクスとコネクテッド・カーが採用されつつあることも、市場の需要を後押ししています。コネクテッド・カー・サービスに対する需要の高まりにより、保険業者は緊急事態が発生したときに消費者をサポートすることができ、時間の節約と保険金請求プロセスの最適化につながるからです。これとは別に、車両保険分野における厳格な枠組みや時間のかかる手続きは、世界の車両保険市場の成長率に影響を与える可能性があります。

COVID-19パンデミックは市場に強い影響を及ぼしています。パンデミックは失業率の上昇、オフィスや工場の閉鎖、定期的な施錠などをもたらし、それゆえ車両保険市場に直接的な影響を及ぼしています。しかし、車両保険市場に対する政府の取り組みや、市場への投資面での支援は、予測期間中に業界が成長する機会を与えています。Verified Market Research社は、1次データを検証することで、本格的な市場調査を提供します。世界の車両保険市場」は主にサブセグメントに二分され、市場の最新動向に関する分類データを提供することができます。

目次

第1章 世界の車両保険市場：イントロダクション

• 市場概要
• 調査範囲
• 前提条件

第2章 エグゼクティブサマリー

第3章 VERIFIED MARKET RESEARCHの調査手法

• データマイニング
• 検証
• 一次インタビュー
• データソース一覧

第4章 世界の車両保険市場の展望

• 概要
• 市場力学
  • 促進要因
  • 抑制要因
  • 機会
• ポーターのファイブフォースモデル
• バリューチェーン分析

第5章 世界の車両保険市場：保険料タイプ別

• 概要
• 個人保険料
• 商業保険料

第6章 世界の車両保険市場：地域別

• 概要
• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • その他欧州
• アジア太平洋
  • 中国
  • 日本
  • インド
  • その他アジア太平洋地域
• 世界のその他の地域
  • ラテンアメリカ
  • 中東・アフリカ

第7章 世界の車両保険市場：競合情勢

• 概要
• 各社の市場ランキング
• 主な発展戦略

第8章 企業プロファイル

• ADMIRAL GROUP PLC
• ALLIANZ SE
• ALLSTATE INSURANCE COMPANY
• BERKSHIRE HATHAWAY INC.
• CHINA PACIFIC INSURANCE（GROUP）CO., LTD.
• GEICO
• PEOPLE'S INSURANCE COMPANY OF CHINA
• PING AN INSURANCE（GROUP）COMPANY OF CHINA LTD.
• STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
• TOKIO MARINE GROUP

第9章 主な発展

• 製品の発売／開発
• 合併と買収
• 事業拡大
• パートナーシップと提携

第10章 付録

• 関連調査

Vehicle Insurance Market Size And Forecast

Vehicle Insurance Market size was valued at USD 606.18 Billion in 2021 and is projected to reach USD 1083.88 Billion by 2030 , growing at a CAGR of 6.73% from 2022 to 2030. The increase in the awareness of the benefits provided by vehicle insurance can be termed as a key driver of the market. Insurance provides protection to the people and acts as a helping hand to the middle-income family group in case their car gets any damage. Hence the safety provided by the vehicle insurance to its owners is expected to drive the market. The Global Vehicle Insurance Market report provides a holistic evaluation of the market. The report offers a comprehensive analysis of key segments, trends, drivers, restraints, competitive landscape, and factors that are playing a substantial role in the market.

Global Vehicle Insurance Market Definition

Vehicle insurance is a kind of insurance that is purchased for personal vehicles, commercial vehicles, motorcycles, and other road vehicles. Vehicle insurance is purchased by the owners of the vehicle to get security in case their vehicle gets any damage or gets stolen. Vehicle Insurance mainly covers both the legal risk (legal claims arising from an accident) and the property risk (theft or damage to the vehicle). By vehicle type, the market is divided into passenger cars, light commercial vehicles, heavy commercial vehicles, and buses. The security provided by the market to its consumers and increasing government regulations in favor of the market have led to various developments in the market. Usage-based insurance has been recently introduced, which is also referred to as pay-per-mile, pay-as-you-drive. In this insurance, the insurer has the power to measure how far a vehicle is driven, where it's driven, and how it's driven.

Usage-based insurance is recently gaining attention in the market, especially in western countries like the United States. The government of different countries is also taking initiatives to boost the insurance industry. For example, under the Union Budget 2021 government of India increased the FDI limit in insurance, and India's Insurance Regulatory and Development Authority (IRDAI) has announced the insurance through Digi locker, hence opening wider scope for the development of the industry. Similarly, various key players of the market and governments of different countries are investing in the market because of the potential the market holds for them in the future.

Global Vehicle Insurance Market Overview

The financial protection the industry gives to its consumers against physical damage, damage from a traffic collision, and theft of the vehicle. In addition to this, the industry also covers the cost associated with injuries, death, or property damage caused by the insured owner of the vehicle to another vehicle can be considered a key driver of the market. Everyone wants security in the dynamic world, and the vehicle insurance industry provides that safety to its consumers. Hence due to the trust, it has earned the industry has huge demand. The demand of the market can be calculated by the fact that any car owner after buying the car, does the next thing she/he does is to ensure the car by buying car insurance. A rise in the number of accidents in past years can also be witnessed as one of the major reasons to buy insurance.

The government's positive attitude towards the market and strict regulations imposed by the government in favor of the market has also contributed to increasing the demand. An increase in automobile sales globally due to a surge in the per capita income of consumers is a major factor that drives the sales of the market. Increasing adoption of telematics and connected cars due to increased willingness of government to mandate telematics services such as emergency-call capabilities and increasing demand for greater connectivity and intelligence in vehicles is also driving the market demand as due to the growing demand for connected cars services, insurance providers can support consumers when emergencies occur, leading to time savings and optimization of claims processes. Apart from this, a rigid framework and time-consuming procedures in the vehicle insurance sector could affect the market growth rate of the global Vehicle Insurance Market.

The COVID-19 pandemic has had a stronger impact on the market, as the pandemic has resulted in higher unemployment, closed offices, factories, and regular lockdowns, among other things. hence directly impacting the Vehicle Insurance Market. However, the government initiatives towards the Vehicle Insurance Market and the support in terms of investing in the market give opportunity to the industry to grow over the forecast period. Verified Market Research provides a full-fledged market study by validating the primary data. The "Global Vehicle Insurance Market" is mainly bifurcated into sub-segments that can provide classified data regarding the latest trends in the market.

Global Vehicle Insurance Market Segmentation Analysis

The Global Vehicle Insurance Market is Segmented on the basis of Premium Type, And Geography.

Vehicle Insurance Market, By Premium Type

• Personal insurance premiums
• Commercial insurance premiums

Based on Premium Type, the market is classified into Personal insurance premiums and Commercial insurance premiums. The premium of the personal insurance is much higher than the commercial insurance premium as it possesses lower risk since a personal vehicle is considered to be less used as compared to the vehicle purchased for commercial purposes.

Vehicle Insurance Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the world
• On the basis of Geography, The Global Vehicle Insurance Market is classified into North America, Europe, Asia Pacific, and the Rest of the world. Among all the four regions, Asia Pacific is the leading region in the Vehicle Insurance market due to the rapidly increasing number of vehicles sales and production. The developing economies in the region like China and India due to huge low-cost labor and favorable factors for the development of the economy. The presence of major players in the region is additionally bolstering the market value.

Key Players

• The "Global Vehicle Insurance Market" study report will provide a valuable insight with an emphasis on the global market including some of the major players such as
• Admiral Group Plc, Allianz SE, Allstate Insurance Company, Berkshire Hathaway Inc., China Pacific Insurance (Group) Co., Ltd., GEICO, People's Insurance Company of China, Ping An Insurance (Group) Company of China, Ltd., State Farm Mutual Automobile Insurance Company, and Tokio Marine Group.
• The report provides a detailed analysis of each player in the market. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

Key Developments

• Partnerships, Collaborations and Agreements
• In 2021, A corporate agency agreement between Bajaj Allianz General Insurance and Bank of India was signed. The bank's wide network of 5,084 branches, 80 retail business centres, and 60 SME city centres will now be able to distribute Bajaj Allianz General Insurance's products across the country. Customers of Bajaj Allianz General Insurance will be able to choose from a variety of personal lines products such as vehicle insurance, health insurance, house insurance, and travel insurance, as well as commercial lines goods such as engineering insurance and marine insurance.
• Product Launches and Product Expansions
• HDFC ERGO will introduce the Optima Secure indemnity-based health insurance policy in 2021. HDFC ERGO General Insurance's new health indemnity insurance product, Optima Secure, strives to redefine the value clients can gain from their insurance coverage. The secure, plus, protect, and restore benefits are built into the product, and when combined, they provide customers with up to four times their sum insured at no additional cost.
• Metromile, a pay-per-mile carrier, will offer Ride Along in October 2020. It allows potential policyholders to see if their prices will change under a UBI plan without changing carriers.
• In December 2020, Progressive Corporation launches Snapshot ProView, a voluntary UBI and fleet management tool for small business owners. Based on the vehicle type and nature of business use, many clients will save 8%, and some will save up to 18%, for their first term.
• In December 2020, Berkshire Hathaway GUARD Insurance Companies has chosen IMS for a new commercial fleet insurance package called TrackMRI.

TABLE OF CONTENTS

1 INTRODUCTION OF THE GLOBAL VEHICLE INSURANCE MARKET

• 1.1 OVERVIEW OF THE MARKET
• 1.2 SCOPE OF REPORT
• 1.3 ASSUMPTIONS

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 DATA MINING
• 3.2 VALIDATION
• 3.3 PRIMARY INTERVIEWS
• 3.4 LIST OF DATA SOURCES

4 GLOBAL VEHICLE INSURANCE MARKET OUTLOOK

• 4.1 OVERVIEW
• 4.2 MARKET DYNAMICS
  • 4.2.1 DRIVERS
  • 4.2.2 RESTRAINTS
  • 4.2.3 OPPORTUNITIES
• 4.3 PORTERS FIVE FORCE MODEL
• 4.4 VALUE CHAIN ANALYSIS

5 GLOBAL VEHICLE INSURANCE MARKET, BY PREMIUM TYPE

• 5.1 OVERVIEW
• 5.2 PERSONAL INSURANCE PREMIUMS
• 5.3 COMMERCIAL INSURANCE PREMIUMS

6 GLOBAL VEHICLE INSURANCE MARKET, BY GEOGRAPHY

• 6.1 OVERVIEW
• 6.2 NORTH AMERICA
  • 6.2.1 U.S.
  • 6.2.2 CANADA
  • 6.2.3 MEXICO
• 6.3 EUROPE
  • 6.3.1 GERMANY
  • 6.3.2 U.K.
  • 6.3.3 FRANCE
  • 6.3.4 REST OF EUROPE
• 6.4 ASIA PACIFIC
  • 6.4.1 CHINA
  • 6.4.2 JAPAN
  • 6.4.3 INDIA
  • 6.4.4 REST OF ASIA PACIFIC
• 6.5 REST OF THE WORLD
  • 6.5.1 LATIN AMERICA
  • 6.5.2 MIDDLE EAST AND AFRICA

7 GLOBAL VEHICLE INSURANCE MARKET COMPETITIVE LANDSCAPE

• 7.1 OVERVIEW
• 7.2 COMPANY MARKET RANKING
• 7.3 KEY DEVELOPMENT STRATEGIES

8 COMPANY PROFILES

• 8.1 ADMIRAL GROUP PLC
  • 8.1.1 OVERVIEW
  • 8.1.2 FINANCIAL PERFORMANCE
  • 8.1.3 PRODUCT OUTLOOK
  • 8.1.4 KEY DEVELOPMENTS
• 8.2 ALLIANZ SE
  • 8.2.1 OVERVIEW
  • 8.2.2 FINANCIAL PERFORMANCE
  • 8.2.3 PRODUCT OUTLOOK
  • 8.2.4 KEY DEVELOPMENTS
• 8.3 ALLSTATE INSURANCE COMPANY
  • 8.3.1 OVERVIEW
  • 8.3.2 FINANCIAL PERFORMANCE
  • 8.3.3 PRODUCT OUTLOOK
  • 8.3.4 KEY DEVELOPMENTS
• 8.4 BERKSHIRE HATHAWAY INC.
  • 8.4.1 OVERVIEW
  • 8.4.2 FINANCIAL PERFORMANCE
  • 8.4.3 PRODUCT OUTLOOK
  • 8.4.4 KEY DEVELOPMENTS
• 8.5 CHINA PACIFIC INSURANCE (GROUP) CO., LTD.
  • 8.5.1 OVERVIEW
  • 8.5.2 FINANCIAL PERFORMANCE
  • 8.5.3 PRODUCT OUTLOOK
  • 8.5.4 KEY DEVELOPMENTS
• 8.6 GEICO
  • 8.6.1 OVERVIEW
  • 8.6.2 FINANCIAL PERFORMANCE
  • 8.6.3 PRODUCT OUTLOOK
  • 8.6.4 KEY DEVELOPMENT
• 8.7 PEOPLE'S INSURANCE COMPANY OF CHINA
  • 8.7.1 OVERVIEW
  • 8.7.2 FINANCIAL PERFORMANCE
  • 8.7.3 PRODUCT OUTLOOK
  • 8.7.4 KEY DEVELOPMENTS
• 8.8 PING AN INSURANCE (GROUP) COMPANY OF CHINA LTD.
  • 8.8.1 OVERVIEW
  • 8.8.2 FINANCIAL PERFORMANCE
  • 8.8.3 PRODUCT OUTLOOK
  • 8.8.4 KEY DEVELOPMENT
• 8.9 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
  • 8.9.1 OVERVIEW
  • 8.9.2 FINANCIAL PERFORMANCE
  • 8.9.3 PRODUCT OUTLOOK
• 8.10 TOKIO MARINE GROUP
  • 8.10.1 OVERVIEW
  • 8.10.2 FINANCIAL PERFORMANCE
  • 8.10.3 PRODUCT OUTLOOK
  • 8.10.4 KEY DEVELOPMENTS

9 KEY DEVELOPMENTS

• 9.1 PRODUCT LAUNCHES/DEVELOPMENTS
• 9.2 MERGERS AND ACQUISITIONS
• 9.3 BUSINESS EXPANSIONS
• 9.4 PARTNERSHIPS AND COLLABORATIONS

10 APPENDIX

• 10.1 RELATED RESEARCH