유럽 및 북미의 보험 텔레매틱스 시장 - 제9판

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 13.8 million at the end of 2024. Growing at a compound annual growth rate of 7.8 percent, the number of active insurance telematics policies in Europe is estimated to reach 20.1 million by 2029. In North America, the total number of insurance telematics policies in force is forecasted to increase from an estimated 20.2 million policies at the end of 2024 to reach 31.8 million policies by 2029. Get up to date with the latest industry trends in this new 220-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 2029.

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. Germany
  • 3.1.3. United Kingdom
  • 3.1.4. France
  • 3.1.5. Benelux
  • 3.1.6. Central and Eastern Europe
  • 3.1.7. Austria and Switzerland
  • 3.1.8. Iberia
  • 3.1.9. The Nordics
• 3.2. Insurance telematics case studies
  • 3.2.1. Four million vehicles insured by Unipol 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 has refocused its insurance telematics portfolio in Europe
  • 3.2.5. Admiral Group has multiple insurance telematics programs in Europe
  • 3.2.6. Insure The Box exited the UBI market in 2024
  • 3.2.7. Aviva completed the acquisition of Direct Line Group in July 2025
  • 3.2.8. Zego shifts strategic focus from B2B to B2C for its UBI portfolio
  • 3.2.9. Howden Group consolidates broking businesses under a single brand
  • 3.2.10. Acorn Insurance offers UBI through the Carrot and Acorn brands
  • 3.2.11. Markerstudy Group acquires Atlanta Group
  • 3.2.12. RSA offers UBI in Ireland via 123.ie
  • 3.2.13. AbbeyAutoline (Prestige) offers UBI in partnership with Howden Driving Data
  • 3.2.14. Hastings Direct and CMT announce partnership renewal for YouDrive
  • 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 offers smartphone-based telematics since 2019
  • 3.2.18. VHV's Telematik Garant has switched to a mobile-based telematics solution
  • 3.2.19. Neodigital fully acquired by HUK-COBURG in 2025
  • 3.2.20. Groupama offers insurance telematics in multiple countries
  • 3.2.21. MAPFRE provides insurance telematics products in Spain
  • 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 offers UBI in Slovenia
  • 3.2.25. Warta offers app-based UBI in Poland
  • 3.2.26. HDI Global offers telematics solutions in the UK, Germany and Italy
  • 3.2.27. Zurich partners with MGA Freedom Services in the UK
  • 3.2.28. Paydrive offers UBI in Sweden
  • 3.2.29. VIS pioneers telematics insurance in Iceland
  • 3.2.30. ABAX launches commercial UBI insurance
  • 3.2.31. KIA and LexisNexis Risk Solutions partner to offer OEM telematics-based UBI

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
  • 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 leverages smartphone-based telematics to offer UBI
  • 4.2.13. USAA relaunches its UBI offerings
  • 4.2.14. Progressive offers two commercial UBI products
  • 4.2.15. Nationwide offers commercial lines insurance telematics solutions
  • 4.2.16. Philadelphia Insurance Companies offers fleet insurance telematics
  • 4.2.17. Ohio Mutual Insurance Group offers app-based UBI in seven states
  • 4.2.18. Liberty Mutual strengthened its UBI offering with the State Auto acquisition
  • 4.2.19. CMT powers multiple safe driving contests in the US
  • 4.2.20. Intact bets on smartphone-based telematics solutions
  • 4.2.21. Lemonade fully integrates Metromile as its pay-per-mile insurance offering
  • 4.2.22. American Family Insurance offers two UBI programs
  • 4.2.23. HDVI pioneers telematics UBI for fleets of semi-trailer trucks
  • 4.2.24. Tesla to underwrite its own telematics insurance policies
  • 4.2.25. Pouch and Mojio partner to offer fleet insurance to small businesses
  • 4.2.26. TD Insurance chooses IMS to power its next-generation UBI
  • 4.2.27. Wawanesa Insurance offers app-based UBI powered by The Floow

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. 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. AI to drive the need for data in the insurance industry
  • 5.4.2. Customer engagement becomes increasingly important for UBI
  • 5.4.3. Insurers embrace both UBI and claims-related insurance telematics
  • 5.4.4. UBI standalone apps are being integrated into insurers' main apps
  • 5.4.5. The impact of the EU Data Act remains to be seen
  • 5.4.6. TSPs as intermediaries between OEMs and insurers for connected car data
  • 5.4.7. The smartphone is the most favoured form factor in the industry
  • 5.4.8. Insurers begin to offer wider functionality in their app-based UBI solutions
  • 5.4.9. Combined smartphone and connected car data solutions show promise
  • 5.4.10. Fleet insurance telematics is an opportunity to reduce fleet risks and costs
  • 5.4.11. Privacy concerns are softening across customer segments
  • 5.4.12. Insurance telematics aims to reduce distracted driving
  • 5.4.13. Pay-per-mile insurance programs gain popularity as driving habits shift
  • 5.4.14. Continued broadening of the insurance telematics concept is expected
  • 5.4.15. Autonomous cars alter the playing field for motor insurance
  • 5.4.16. New mobility forms provide new opportunities for telematics-based insurance
  • 5.4.17. The insurance telematics concept to be applicable for more vehicle types
  • 5.4.18. Outlook: Insurance telematics is growing rapidly in other regions

6. Company Profiles and Strategies

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