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유럽 및 북미의 텔레매틱스 보험 : 제6판

Insurance Telematics in Europe and North America - 6th Edition

리서치사 Berg Insight
발행일 2022년 04월 상품코드 1069889
페이지 정보 영문 295 Pages 배송안내 1-2일 (영업일 기준)
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유럽 및 북미의 텔레매틱스 보험 : 제6판 Insurance Telematics in Europe and North America - 6th Edition
발행일 : 2022년 04월 페이지 정보 : 영문 295 Pages

본 상품은 영문 자료로 한글과 영문 목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

유럽 시장에서 텔레매틱스 보험의 총계약 수는 2021년말에 1,620만 건에 달한 것으로 추산되며, 21.5%의 CAGR로 성장하고 2025년까지 3,510만 건에 달할 것으로 예측되고 있습니다. 한편, 북미의 텔레매틱스 보험계약 수는 2021년말 추산 2,170만 건으로부터 증가하여 2025년까지 4,900만 계약에 달할 것으로 예측되고 있습니다.

유럽·북미의 텔레매틱스 보험에 대해 조사했으며, 업계의 최신 동향, 자동차 시장 데이터, 자동차보험의 개요, 텔레매틱스 보험 솔루션, 지역별 시장 분석, 주요 기업의 개요와 전략 등의 정보를 정리하여 전해드립니다.

목차

도표 리스트

개요

제1장 자동차 시장

  • 유럽의 자동차 시장
    • 가동중인 차량과 등록 차량의 비율
    • 신차 등록과 주요 제조업체
  • 북미의 자동차 시장
    • 가동중인 차량과 등록 차량의 비율
    • 신차 등록과 주요 제조업체
  • 자동차보험
    • 기본적인 보험 용어와 분류
    • 자동차보험의 기초
    • 기존형 자동차보험 리스크 평가와 가격결정 기준
    • 자동차보험 기업용 보험 수리 툴박스의 개발
  • 유럽의 자동차보험 시장
  • 북미의 자동차보험 시장

제2장 텔레매틱스 보험 솔루션

  • 텔레매틱스 보험 서론
    • 텔레매틱스형 보험계약 가격결정의 이론적 근거
    • 텔레매틱스 보험 제품의 약력
  • 이용 기반 보험 및 관련 개념과 애플리케이션
    • 매뉴얼 리포트
    • 이용 기반 텔레매틱스 보험 : PAYD, PHYD, MHYD, TBYB
    • 연속과 시간의 제한이 있는 텔레매틱스 데이터 기록
    • 이용 기반 가격과 지불 관련 텔레매틱스 보험의 비교
    • 개인용과 상업용 텔레매틱스 보험의 비교
    • 텔레매틱스 보험에 관련된 부가가치 서비스
  • 텔레매틱스 보험 인프라
    • 차량 부문
    • 보험회사 부문
    • 최종사용자 부문
    • 네트워크 부문
    • GNSS 부문
  • 비지니스 모델
    • 사내 개발
    • 텔레매틱스 파트너의 활용
    • 클라이언트와의 직접 대화 없이 인수

제3장 유럽의 텔레매틱스 보험 시장

  • 지역 시장의 특징
    • 이탈리아
    • 영국
    • 이베리아
    • 오스트리아
    • 프랑스
    • 베네룩스
    • 스위스
    • 북유럽
    • 독일
    • 중유럽 및 동유럽
  • 텔레매틱스 보험 사례 연구
    • UnipolSai가 보험에 들어 있는 차량의 40% 이상이 블랙박스를 탑재하고 있다.
    • Generali는 텔레매틱스 보험 제품의 폭넓은 포트폴리오를 제공하고 있다.
    • Allianz의 텔레매틱스 제품의 성장 엔진인 스마트폰 온리 솔루션
    • AXA는 유럽의 복수 국가에서 텔레매틱스 보험 포트폴리오를 제공하고 있다.
    • Admiral Group은 유럽에서 복수의 텔레매틱스 보험 프로그램을 시행하고 있다. 등

제4장 북미의 텔레매틱스 보험 시장

  • 지역 시장의 특징
    • 미국
    • 캐나다
  • 텔레매틱스 보험 사례 연구
    • Progressive는 미국의 UBI 텔레매틱스 파이오니어이다.
    • State Farm은 CMT와 제휴하여 Drive Safe&Save 프로그램을 강화한다.
    • Allstate는 미국에서 Drivewise와 Milewise를 제공하고 있다.
    • Esurance는 미국의 37개주에서 DriveSense를 제공하고 있다.
    • Allstate의 자회사인 Arity는 외부 고객에 대한 제공을 확대하고 있다.
    • Liberty Mutual에는 텔레매틱스 제품의 폭넓은 포트폴리오가 존재한다. 등

제5장 시장 예측과 동향

  • 시장 분석
    • 텔레매틱스 보험 정책과 유럽 및 북미에서의 침투
    • 유럽과 북미에서 폼팩터의 개발
  • 밸류체인 분석
    • 보험업계 기업
    • 텔레매틱스 업계 기업
    • 자동차 업계 기업
    • 통신 업계 기업
    • IT 업계 기업
    • 텔레매틱스 보험 분야에서의 합병과 인수
  • 시장 촉진요인과 장벽
    • 거시경제 환경
    • 규제 환경
    • 경쟁 환경
    • 테크놀러지 환경
  • 향후 업계 동향
    • 텔레매틱스 보험 개념의 지속적 확대가 기대되고 있다.
    • 보험회사는 UBI와 보험금 청구 관련 텔레매틱스 보험 양측을 채택한다.
    • 모바일 디바이스를 우선하는 폼 팩터 이동
    • 커넥티드카는 텔레매틱스 보험의 대량 시장화로의 길을 연다.
    • 소규모 보험회사의 OEM 데이터 이용이 가능하게 될 것으로 기대되는 새로운 데이터 교환
    • 플릿 추적 시장을 혼란시키는 플릿 텔레매틱스 보험
    • 프라이버시의 우려는 고객 부문 전체에서 완화되고 있다. 등

제6장 기업 개요와 전략

  • Agero
  • Amodo
  • Autoliv
  • Azuga
  • Baseline Telematics
  • Bosch Connected Devices and Solutions
  • CalAmp
  • Cambridge Mobile Telematics
  • CCC Information Services
  • ClearScore
  • Dolphin Technologies
  • Earnix
  • FairConnect(DriveQuant)
  • Greater Than
  • IMS(Trak Global Group)
  • Ingenie Business
  • Insure Telematics Solutions
  • Inzura
  • LexisNexis Risk Solutions
  • Meta System
  • Modus
  • Motix Connected
  • Munic Car Data
  • Octo Telematics
  • OSeven Telematics
  • Quartix
  • Redtail Telematics
  • Sentiance
  • Scope Technology
  • Swiss Re
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Verisk Analytics
  • Viasat Group
  • Vodafone Automotive
  • Webfleet Solutions
  • Zendrive
  • 용어집
KSA 22.04.21

List of Figures

  • Figure 1.1: Vehicles in use (EU22+3 2019)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU27+UK 2019)
  • Figure 1.3: Passenger car registrations by manufacturer (EU27+UK+EFTA 2020)
  • Figure 1.4: Vehicles in use (North America 2019)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2020)
  • Figure 1.6: Motor insurance statistics (EU23+2 2019)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (US 2019)
  • Figure 2.2: Subcategories of usage-based insurance and insurance telematics
  • Figure 2.3: Schematic classification of usage-based & claims-focused insurance telematics
  • Figure 2.4: Insurance telematics infrastructure overview
  • Figure 2.5: Examples of principal insurance telematics form factors
  • Figure 2.6: Examples of feedback from Progressive's smartphone app Snapshot
  • Figure 2.7: Example of a windscreen-mounted Bluetooth device from CMT
  • Figure 2.8: GDV-Stecker 12 V device provided by Bosch
  • Figure 2.9: Nextbase's Dash Cam 522 GW and Rear Window Cam module.
  • Figure 2.10: Schematic insurance telematics risk rating process
  • Figure 2.11: Web- and smartphone-based interfaces and dashboards for end-users
  • Figure 2.12: Telematics strategies for insurance providers
  • Figure 3.1: Allianz's top telematics markets (Q4-2020)
  • Figure 3.2: Overview of the Your Portal interface for insurethebox policyholders
  • Figure 3.3: Marmalade Young Driver app and tag developed by CMT
  • Figure 3.4: Windscreen device and app from VHV
  • Figure 3.5: User interface of Sijox's AppDrive
  • Figure 3.6: The VOOROP dashboard on a desktop and smartphone
  • Figure 3.7: HDI's DiamondDrive app
  • Figure 4.1: Progressive's Snapshot OBD-II telematics device supplied by Xirgo
  • Figure 4.2: State Farm's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2020)
  • Figure 4.4: Growth of Esurance's UBI offer DriveSense (2011-2020)
  • Figure 4.5: Travelers IntelliDrive
  • Figure 4.6: Mobileye Shield+ and Mobileye Connect 6 aftermarket ADAS systems
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2020-2025)
  • Figure 5.2: Insurance telematics policies by country (North America 2020-2025)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2020-2025)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2020-2025)
  • Figure 5.5: Key players in the insurance telematics value chain
  • Figure 5.6: Examples of telematics hardware providers serving the insurance space
  • Figure 5.7: M&As in the insurance telematics space (2014-2022)

What are the latest trends on the Insurance telematics market? Berg Insight estimates that the total number of insurance telematics policies in force on the European market reached 16.2 million at the end of 2021. Growing at a compound annual growth rate of 21.5 percent, the number of active insurance telematics policies in Europe is estimated to reach 35.1 million by 2025. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 21.7 million policies at the end of 2021 to reach 49.0 million policies by 2025. Get up to date with the latest industry trends in this new 295-page strategy report from Berg Insight.

Table of Contents

Table of Contents

List of Figures

Executive summary

1. The automotive market

  • 1.1. The automotive market in Europe
    • 1.1.1. Vehicles in use and car density
    • 1.1.2. New car registrations and leading manufacturers
  • 1.2. The automotive market in North America
    • 1.2.1. Vehicles in use and car parc density
    • 1.2.2. New car registrations and leading manufacturers
  • 1.3. Automotive insurance
    • 1.3.1. Basic insurance terminology and categorisations
    • 1.3.2. The fundamentals of automotive insurance
    • 1.3.3. Traditional automotive insurance risk rating and pricing criteria
    • 1.3.4. Developments of the actuarial toolbox for motor insurers
  • 1.4. The European automotive insurance market
  • 1.5. The North American automotive insurance market

2. Insurance telematics solutions

  • 2.1. Introduction to insurance telematics
    • 2.1.1. The rationale for telematics-based insurance policy pricing
    • 2.1.2. Brief history of insurance telematics offerings
  • 2.2. Usage-based insurance and related concepts and applications
    • 2.2.1. Manual reporting
    • 2.2.2. Usage-based insurance telematics - PAYD, PHYD, MHYD, TBYB
    • 2.2.3. Continuous and time-limited telematics data recording
    • 2.2.4. Usage-based pricing vs. claims-related insurance telematics
    • 2.2.5. Personal lines and commercial lines insurance telematics
    • 2.2.6. Value-added services related to insurance telematics
  • 2.3. Insurance telematics infrastructure
    • 2.3.1. Vehicle segment
    • 2.3.2. Insurer segment
    • 2.3.3. End-user segment
    • 2.3.4. Network segment
    • 2.3.5. GNSS segment
  • 2.4. Business models
    • 2.4.1. In-house development
    • 2.4.2. Leveraging telematics partners
    • 2.4.3. Underwriting without direct client interaction

3. The European insurance telematics market

  • 3.1. Regional market characteristics
    • 3.1.1. Italy
    • 3.1.2. United Kingdom
    • 3.1.3. Iberia
    • 3.1.4. Austria
    • 3.1.5. France
    • 3.1.6. Benelux
    • 3.1.7. Switzerland
    • 3.1.8. The Nordics
    • 3.1.9. Germany
    • 3.1.10. Central and Eastern Europe
  • 3.2. Insurance telematics case studies
    • 3.2.1. More than 40 percent of the vehicles insured by UnipolSai feature a black box
    • 3.2.2. Generali offers a wide portfolio of insurance telematics products
    • 3.2.3. Smartphone-only solutions - a growth engine for Allianz's telematics offerings
    • 3.2.4. AXA offers its insurance telematics portfolio in multiple European countries
    • 3.2.5. Admiral Group has multiple insurance telematics programs in Europe
    • 3.2.6. Insure The Box has sold more than 1.0 million black box-based policies
    • 3.2.7. Direct Line Group uses a variety of sensors for gathering of telematics data
    • 3.2.8. Aviva chooses device-based telematics in the UK
    • 3.2.9. Ingenie targets drivers in the 17- to 44-year-old age bracket
    • 3.2.10. IMS expands Carrot Insurance's platform to North America
    • 3.2.11. Marmalade targets young drivers
    • 3.2.12. RSA offers UBI via MORE TH>N SM>RT WHEELS and 123GO
    • 3.2.13. Be Wiser offers Drive Wiser PHYD insurance in the UK based on Coverbox
    • 3.2.14. AbbeyAutoline (Prestige) offers ChilliDrive powered by Inzura
    • 3.2.15. By Miles offers PAYD using aftermarket OBD devices and OEM telematics
    • 3.2.16. CalAmp invests in the insurance marketplace
    • 3.2.17. Stellantis' PSA Group offers UBI in the UK, Belgium and France
    • 3.2.18. Mercedes-Benz offers UBI in four European countries
    • 3.2.19. HUK-Coburg relaunched Telematik Plus in 2019
    • 3.2.20. VHV's Telematik Garant switched to a mobile based telematics solution
    • 3.2.21. German insurer Signal Iduna launches UBI based on a smartphone app
    • 3.2.22. EMIL powers pay-per-mile telematics products in Germany
    • 3.2.23. DEVK implements Dolphin Technologies in its app-based telematics offering
    • 3.2.24. UNIQA SafeLine powered by Dolphin Technologies focuses on safety
    • 3.2.25. Groupama offers insurance telematics in multiple countries
    • 3.2.26. Risk has launched several insurance telematics products in the Netherlands
    • 3.2.27. MAPFRE provides insurance telematics products in Spain and the US
    • 3.2.28. ÖSA and Sparkassen Versicherung offer eCall services in Germany
    • 3.2.29. GDV launches eCall service with 46 participating German insurers
    • 3.2.30. Zavarovalnica Triglav brings UBI to Slovenia
    • 3.2.31. PZU Group and Link4 offer telematics programs in Poland
    • 3.2.32. CHERRISK rewards safe driving
    • 3.2.33. HDI Global has launched DiamondDrive in Germany
    • 3.2.34. Zurich invested in the UK telematics insurance provider MyPolicy in 2021
    • 3.2.35. If Insurance has long experience of telematics in the Nordics
    • 3.2.36. Paydrive leverages aftermarket and OEM telematics for UBI
    • 3.2.37. VIS pioneers telematics insurance in Iceland

4. The North American insurance telematics market

  • 4.1. Regional market characteristics
    • 4.1.1. United States
    • 4.1.2. Canada
  • 4.2. Insurance telematics case studies
    • 4.2.1. Progressive is the UBI telematics pioneer in the US
    • 4.2.2. State Farm works with CMT to enhance the Drive Safe & Save program
    • 4.2.3. Allstate offers Drivewise and Milewise in the US
    • 4.2.4. Esurance offers DriveSense in 37 US states
    • 4.2.5. Allstate's subsidiary Arity expands its offering to external customers
    • 4.2.6. Liberty Mutual has a broad portfolio of telematics products
    • 4.2.7. Desjardins offers a smartphone app for insurance telematics in Canada
    • 4.2.8. Nationwide offers UBI based on OBD, smartphone and OEM telematics data
    • 4.2.9. Farmers offers mobile-based insurance telematics from Driveway Software
    • 4.2.10. Travelers offers smartphone-based UBI
    • 4.2.11. GEICO offers a smartphone-based telematics program in select US states
    • 4.2.12. Toyota Insurance Management Solutions offers UBI in the US
    • 4.2.13. CAA offers MyPace and Connect powered by Octo Telematics
    • 4.2.14. Root Insurance is a smartphone-based insurance company
    • 4.2.15. USAA enhances insurance offering by acquiring UBI focused Noblr
    • 4.2.16. Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
    • 4.2.17. Progressive has launched a second commercial UBI product
    • 4.2.18. Nationwide offers commercial lines insurance telematics solutions
    • 4.2.19. Philadelphia Insurance Companies offers fleet insurance telematics
    • 4.2.20. Trov offers mobility insurance solutions built on Sentiance's platform
    • 4.2.21. True Mileage uses NFC and works with Ohio Mutual Insurance Group
    • 4.2.22. State Auto has a broad telematics portfolio focusing on both UBI and claims
    • 4.2.23. Ford, Hyundai, Honda, and GM join Verisk Telematics Data Exchange
    • 4.2.24. CMT powers multiple safe driving contests in the US
    • 4.2.25. Intact discontinues its device-based program in favour of mobile solutions
    • 4.2.26. Lemonade acquires Metromile
    • 4.2.27. American Family Insurance
    • 4.2.28. HDVI pioneers telematics UBI for fleets of semi trailer trucks
    • 4.2.29. Tesla launches its own telematics insurance brokerage in Texas and Illinois
    • 4.2.30. Pouch and Mojio partner to offer fleet insurance to small businesses

5. Market forecasts and trends

  • 5.1. Market analysis
    • 5.1.1. Insurance telematics policies and penetration in Europe and North America
    • 5.1.2. Form factor developments in Europe and North America
  • 5.2. Value chain analysis
    • 5.2.1. Insurance industry players
    • 5.2.2. Telematics industry players
    • 5.2.3. Automotive industry players
    • 5.2.4. Telecom industry players
    • 5.2.5. IT industry players
    • 5.2.6. Mergers and acquisitions in the insurance telematics space
  • 5.3. Market drivers and barriers
    • 5.3.1. Macroeconomic environment
    • 5.3.2. Regulatory environment
    • 5.3.3. Competitive environment
    • 5.3.4. Technology environment
  • 5.4. Future industry trends
    • 5.4.1. Continued broadening of the insurance telematics concept is expected
    • 5.4.2. Insurers will embrace both UBI and claims-related insurance telematics
    • 5.4.3. Form factor shift to favour mobile devices
    • 5.4.4. Connected cars pave the way for mass-marketisation of insurance telematics
    • 5.4.5. New data exchanges expected to make OEM data available to small insurers
    • 5.4.6. Fleet insurance telematics to disrupt the fleet tracking market
    • 5.4.7. Privacy concerns are softening across customer segments
    • 5.4.8. Big Data: Ownership and portability of telematics data to be scrutinised
    • 5.4.9. Insurance telematics aims to reduce distracted driving
    • 5.4.10. Mobility trends provide new opportunities for telematics-based insurance
    • 5.4.11. Vehicle diagnostics data from connected cars can create value for insurers
    • 5.4.12. Outlook: Insurance telematics is growing rapidly in other regions
    • 5.4.13. Pay-per-mile insurance programs are resurging
    • 5.4.14. Insurers to explore other IoT verticals
    • 5.4.15. The insurance telematics concept to be applicable for more vehicle types
    • 5.4.16. Autonomous cars alter the playing field for motor insurance
    • 5.4.17. Automotive OEMs bet on insurance telematics

6. Company profiles and strategies

  • 6.1. Agero
  • 6.2. Amodo
  • 6.3. Autoliv
  • 6.4. Azuga
  • 6.5. Baseline Telematics
  • 6.6. Bosch Connected Devices and Solutions
  • 6.7. CalAmp
  • 6.8. Cambridge Mobile Telematics
  • 6.9. CCC Information Services
  • 6.10. ClearScore
  • 6.11. Dolphin Technologies
  • 6.12. Earnix
  • 6.13. FairConnect (DriveQuant)
  • 6.14. Greater Than
  • 6.15. IMS (Trak Global Group)
  • 6.16. Ingenie Business
  • 6.17. Insure Telematics Solutions
  • 6.18. Inzura
  • 6.19. LexisNexis Risk Solutions
  • 6.20. Meta System
  • 6.21. Modus
  • 6.22. Motix Connected
  • 6.23. Munic Car Data
  • 6.24. Octo Telematics
  • 6.25. OSeven Telematics
  • 6.26. Quartix
  • 6.27. Redtail Telematics
  • 6.28. Sentiance
  • 6.29. Scope Technology
  • 6.30. Swiss Re
  • 6.31. Targa Telematics
  • 6.32. Telematics Technologies
  • 6.33. The Floow
  • 6.34. Trakm8
  • 6.35. Verisk Analytics
  • 6.36. Viasat Group
  • 6.37. Vodafone Automotive
  • 6.38. Webfleet Solutions
  • 6.39. Zendrive
  • Glossary
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