한글목차

유럽 시장의 보험 텔레매틱스 유효 계약 건수는 2023년 말 기준 1,300만 건에 달할 것으로 예상되며, 2028년에는 1,760만 건에 달할 것으로 예상되며, 연평균 6.2%의 성장률을 보일 것으로 예상됩니다. 북미에서는 2023년 말 기준 1,790만 건으로 추정되는 보험 텔레매틱스 유효 계약이 2028년 2,630만 건에 이를 것으로 예상됩니다.

이 보고서는 유럽과 북미의 보험 텔레매틱스 시장을 조사 분석했으며, 주요 기업 30개사와의 인터뷰 결과를 바탕으로 시장 동향과 주요 개발 동향, 2028년까지 각국의 시장 전망 등을 전해드립니다.

목차

그림목차

주요 요약

제1장 자동차 시장

• 유럽의 자동차 시장
  • 사용중인 차량 수와 자동차 밀도
  • 신차 등록 대수와 주요 제조업체
• 북미의 자동차 시장
  • 사용중인 차량 수와 자동차 밀도
  • 신차 등록 대수와 주요 제조업체
• 자동차 보험
  • 기본적인 보험용어와 분류
  • 자동차 보험 기초
  • 기존 자동차 보험의 리스크 평가와 가격 설정 기준
  • 자동차 보험사를 위한 보험 계리 툴박스 개발
• 유럽의 자동차 보험 시장
• 북미의 자동차 보험 시장

제2장 보험 텔레매틱스 솔루션

• 보험 텔레매틱스 소개
  • 텔레매틱스 기반 보험료 책정 근거
  • 보험 텔레매틱스 서비스 약력
• 운전습관연계보험, 관련된 개념과 용도
  • 수동 보고
  • 운전습관연계보험 텔레매틱스 - PAYD, PHYD, MHYD, TBYB
  • 지속적이고 시간 제한적인 텔레매틱스 데이터 기록
  • 이용 기반 가격 설정 vs. 청구 관련 보험 텔레매틱스
  • 개인용, 상업용 보험 텔레매틱스
  • 보험 텔레매틱스 관련 부가가치 서비스
• 보험 텔레매틱스 인프라
  • 차량 부문
  • 보험 기업 부문
  • 최종사용자 부문
  • 네트워크 부문
  • GNSS 부문
• 비즈니스 모델
  • 사내 개발
  • 텔레매틱스 파트너 활용
  • 고객과의 직접적인 교류 없이 인수

제3장 유럽의 보험 텔레매틱스 시장

• 지역 시장의 특징
  • 이탈리아
  • 영국
  • 이베리아
  • 프랑스
  • 베네룩스
  • 오스트리아·스위스
  • 북유럽 국가
  • 독일
  • 중유럽 및 동유럽
• 보험 텔레매틱스 사례 연구

제4장 북미의 보험 텔레매틱스 시장

• 지역 시장의 특징
  • 미국
  • 캐나다
• 보험 텔레매틱스 사례 연구

제5장 시장 예측과 동향

• 시장 분석
  • 유럽과 북미의 보험 텔레매틱스 정책과 보급률
  • 유럽과 북미의 폼팩터 발전
• 밸류체인 분석
  • 보험 산업 기업
  • 텔레매틱스 산업 기업
  • 자동차 산업 기업
  • 통신 산업 기업
  • IT 산업 기업
  • 보험 텔레매틱스 분야의 인수합병
• 시장 촉진요인과 장벽
  • 거시경제 환경
  • 규제 환경
  • 경쟁 환경
  • 기술 환경
• 산업 동향
  • UBI에서 고객 참여가 점점 더 중요해지고 있다
  • 보험 텔레매틱스 컨셉은 향후에도 확대될 것으로 예측된다
  • 보험 기업은 UBI와 보험금 청구 관련 텔레매틱스 양방을 채용한다
  • 스마트폰은 산업에서 가장 선호되는 폼팩터이다
  • 커넥티드카가 보험 텔레매틱스의 대중화를 위한 길을 연다
  • 스마트폰과 커넥티드카 데이터의 조합이 유망하다
  • 플릿 보험 텔레매틱스는 플릿 리스크와 비용을 절감하는 기회이다
  • 프라이버시에 관한 우려는 고객 부문 전반에 걸쳐 완화되고 있다
  • 빅데이터 : 텔레매틱스 데이터의 소유권과 이동성을 면밀히 조사한다
  • 보험 텔레매틱스는 부주의 운전 감소를 목표로 한다
  • 모빌리티 동향이 텔레매틱스 기반 보험에 새로운 기회를 제공한다
  • 커넥티드카 유래 차량 진단 데이터가 보험 기업에 가치를 제공할 가능성이 있다
  • 전망 : 보험 텔레매틱스는 기타 지역에서도 빠르게 성장하고 있다
  • 운전 습관의 변화에 따라 주행거리에 따른 보험 프로그램이 인기를 끌고 있다
  • 기타 IoT 업계를 모색하는 보험 기업
  • 더 많은 차종에 적용 가능한 보험 텔레매틱스 컨셉
  • 자율주행차가 자동차 보험의 경쟁 환경을 바꾼다
  • 운전습관연계보험 상품에 관여하는 자동차 OEM
  • 보험사들은 앱 기반 UBI 솔루션으로 보다 다양한 기능을 제공하기 시작했다
  • 보험 산업의 데이터에 대한 요구를 촉진하는 AI

제6장 기업 개요와 전략

• Agero
• Arity
• Azuga(Bridgestone)
• Brightmile
• CalAmp
• Cambridge Mobile Telematics
• CCC Intelligent Solutions
• ClearScore
• Conneqtech
• Dolphin Technologies
• Earnix
• FairConnect Group
• Greater Than
• Howden Driving Data(Howden Group)
• IMS
• Inzura
• LexisNexis Risk Solutions
• Meta System
• Motix Connected
• Munic
• OCTO Telematics
• OSeven Telematics
• Powerfleet(Movingdots)
• Radius Telematics
• Redtail Telematics
• Sentiance
• Scope Technology
• Sycada
• Targa Telematics
• Telematics Technologies
• The Floow
• Trakm8
• Valtech Mobility
• Verisk Analytics
• Vodafone Automotive
• Webfleet
• Xirgo Technologies
• ZenDrive
• 두문자어와 약어 리스트

영문목차

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