유럽 및 북미의 보험 텔레매틱스 시장 - 제8판

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 13.0 million at the end of 2023. Growing at a compound annual growth rate of 6.2 percent, the number of active insurance telematics policies in Europe is estimated to reach 17.6 million by 2028. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 17.9 million policies at the end of 2023 to reach 26.3 million policies by 2028. Get up to date with the latest industry trends in this new 250-page strategy report from Berg Insight.

Highlights from the report:

• Insights from 30 new executive interviews with market leading companies.
• Comprehensive overview of the insurance telematics value chain and key applications.
• In-depth analysis of market trends and key developments.
• Case studies of 58 insurance telematics initiatives.
• Summary of the involvement of vehicle OEMs and mobile operators.
• New data on vehicle populations in Europe and North America.
• Market forecasts by country lasting until 2028.

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 and 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. France
  • 3.1.5. Benelux
  • 3.1.6. Austria and Switzerland
  • 3.1.7. The Nordics
  • 3.1.8. Germany
  • 3.1.9. 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 acquires pay-per-mile insurer By Miles
  • 3.2.8. Aviva introduces app-based UBI in the UK
  • 3.2.9. Zego offers behavioural based pricing for UK fleets
  • 3.2.10. Howden Group consolidates broking businesses under single brand
  • 3.2.11. Acorn Insurance offers UBI through the Carrot and Acorn brands
  • 3.2.12. Markerstudy Group acquires Atlanta Group
  • 3.2.13. RSA offers UBI in Ireland via 123.ie
  • 3.2.14. AbbeyAutoline (Prestige) renews ChilliDrive with Howden Driving Data
  • 3.2.15. Stellantis has a long experience in UBI on the European market
  • 3.2.16. Mercedes-Benz offers UBI in Germany, Belgium and France
  • 3.2.17. HUK-Coburg relaunched Telematik Plus in 2019
  • 3.2.18. VHV's Telematik Garant switched to a mobile based telematics solution
  • 3.2.19. Young digital insurtech company Neodigital bets on PHYD car insurance
  • 3.2.20. Groupama offers insurance telematics in multiple countries
  • 3.2.21. MAPFRE provides insurance telematics products in Spain and the US
  • 3.2.22. OSA and Sparkassen Versicherung offer eCall services in Germany
  • 3.2.23. GDV launches eCall service with participating German insurers
  • 3.2.24. Zavarovalnica Triglav brings UBI to Slovenia
  • 3.2.25. Warta pilots app-based UBI in Poland
  • 3.2.26. HDI Global offers telematics solutions in the UK and Italy
  • 3.2.27. Zurich partners with MGA Freedom Services in the UK
  • 3.2.28. If Insurance has long experience of telematics in the Nordics
  • 3.2.29. Paydrive leverages aftermarket and OEM telematics for UBI
  • 3.2.30. VIS pioneers telematics insurance in Iceland
  • 3.2.31. ABAX launches commercial UBI insurance

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. Liberty Mutual has a broad portfolio of telematics products
  • 4.2.5. Desjardins offers a smartphone app for insurance telematics in Canada
  • 4.2.6. Nationwide offers UBI based on OBD-II, smartphone and OEM telematics data
  • 4.2.7. Farmers offers mobile-based insurance telematics from Driveway Software
  • 4.2.8. Travelers offers UBI powered by Cambridge Mobile Telematics
  • 4.2.9. GEICO offers a smartphone-based telematics program in select US states
  • 4.2.10. Toyota Insurance Management Solutions offers UBI in the US
  • 4.2.11. CAA offers MyPace and Connect powered by OCTO Telematics
  • 4.2.12. Root Insurance is a smartphone-based insurance company
  • 4.2.13. USAA enhances insurance offering by acquiring UBI focused Noblr
  • 4.2.14. Mobileye and Munich Re collaborate in Munich Re's Smart Mobility program
  • 4.2.15. Progressive has launched a second commercial UBI product
  • 4.2.16. Nationwide offers commercial lines insurance telematics solutions
  • 4.2.17. Philadelphia Insurance Companies offers fleet insurance telematics
  • 4.2.18. Ohio Mutual Insurance Group offers app-based UBI in seven states
  • 4.2.19. Liberty Mutual strengthens UBI client base with State Auto acquisition
  • 4.2.20. Verisk Telematics Exchange popular among OEMs before 2024 termination
  • 4.2.21. CMT powers multiple safe driving contests in the US
  • 4.2.22. Intact discontinues its device-based program in favour of mobile solutions
  • 4.2.23. Lemonade acquires Metromile
  • 4.2.24. American Family Insurance offers three UBI programs
  • 4.2.25. HDVI pioneers telematics UBI for fleets of semi-trailer trucks
  • 4.2.26. Tesla to underwrite its own telematics insurance policies
  • 4.2.27. 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. Industry trends
  • 5.4.1. Customer engagement becomes increasingly important for UBI
  • 5.4.2. Continued broadening of the insurance telematics concept is expected
  • 5.4.3. Insurers will embrace both UBI and claims-related insurance telematics
  • 5.4.4. Smartphone is the most favoured form factor in the industry
  • 5.4.5. Connected cars pave the way for mass-marketisation of insurance telematics
  • 5.4.6. Combined smartphone and connected car data shows promise
  • 5.4.7. Fleet insurance telematics is an opportunity to reduce fleet risks and costs
  • 5.4.8. Privacy concerns are softening across customer segments
  • 5.4.9. Big Data: Ownership and portability of telematics data to be scrutinised
  • 5.4.10. Insurance telematics aims to reduce distracted driving
  • 5.4.11. Mobility trends provide new opportunities for telematics-based insurance
  • 5.4.12. Vehicle diagnostics data from connected cars can create value for insurers
  • 5.4.13. Outlook: Insurance telematics is growing rapidly in other regions
  • 5.4.14. Pay-per-mile insurance programs gain popularity as driving habits shift
  • 5.4.15. Insurers to explore other IoT verticals
  • 5.4.16. The insurance telematics concept to be applicable for more vehicle types
  • 5.4.17. Autonomous cars alter the playing field for motor insurance
  • 5.4.18. Automotive OEMs involved in usage-based insurance products
  • 5.4.19. Insurers begin to offer wider functionality in their app-based UBI solutions
  • 5.4.20. AI to drive the need for data in the insurance industry

6. Company Profiles and Strategies

• 6.1. Agero
• 6.2. Arity
• 6.3. Azuga (Bridgestone)
• 6.4. Brightmile
• 6.5. CalAmp
• 6.6. Cambridge Mobile Telematics
• 6.7. CCC Intelligent Solutions
• 6.8. ClearScore
• 6.9. Conneqtech
• 6.10. Dolphin Technologies
• 6.11. Earnix
• 6.12. FairConnect Group
• 6.13. Greater Than
• 6.14. Howden Driving Data (Howden Group)
• 6.15. IMS
• 6.16. Inzura
• 6.17. LexisNexis Risk Solutions
• 6.18. Meta System
• 6.19. Motix Connected
• 6.20. Munic
• 6.21. OCTO Telematics
• 6.22. OSeven Telematics
• 6.23. Powerfleet (Movingdots)
• 6.24. Radius Telematics
• 6.25. Redtail Telematics
• 6.26. Sentiance
• 6.27. Scope Technology
• 6.28. Sycada
• 6.29. Targa Telematics
• 6.30. Telematics Technologies
• 6.31. The Floow
• 6.32. Trakm8
• 6.33. Valtech Mobility
• 6.34. Verisk Analytics
• 6.35. Vodafone Automotive
• 6.36. Webfleet
• 6.37. Xirgo Technologies
• 6.38. ZenDrive
• List of Acronyms and Abbreviations