세계의 신차 교체 보험 시장 보고서(2025년)
New Car Replacement Insurance Global Market Report 2025
상품코드 : 1823024
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

신차 교체 보험 시장 규모는 향후 몇 년 동안 강력한 성장이 예상됩니다. 2029년에는 CAGR 9.0%로 58억 5,000만 달러로 성장할 것입니다. 이 예측 기간의 성장은 개인화된 보험 상품에 대한 수요 증가, 자동차 보험의 텔레매틱스 통합 발전, 전기자동차 도입 확대, 온라인 보험 증권 유통 확대, 고객 중심 보험 솔루션에 대한 관심 증가 등이 견인할 것으로 예상됩니다. 예측 기간 동안 예상되는 주요 동향으로는 디지털 보험금 청구 처리의 발전, 이용 기반 보험 모델의 혁신, 보험 인수에 AI와 머신러닝 도입, 보험 계약 관리에 블록체인의 도입, 모바일 우선 보험 플랫폼의 등장 등이 있습니다.

사고 건수의 증가는 향후 신차 교체 보험 시장의 성장을 견인할 것으로 예상됩니다. 사고는 예기치 못한 사건이나 사고로 인해 손해, 부상, 해를 입는 것을 의미하며, 종종 인위적인 실수, 기계적 고장, 환경적 요인에 기인합니다. 사고의 증가는 산만 운전으로 인한 것으로, 도로에서의 주의력이 저하되어 충돌 가능성이 높아집니다. 신차 교체 보험은 가입자에게 대체 차량을 제공하고, 보다 안전한 운전 습관을 장려하며, 충돌 후 회복을 가속화하여 사고로 인한 경제적 영향을 줄입니다. 예를 들어, 2023년 5월 호주 정부는 2022년 교통사고 사망자 수가 5.8% 증가한 1,194명이라고 보고했습니다. 그 결과, 사고 건수의 증가는 신차 교체 보험 시장의 확대에 박차를 가하고 있습니다.

신차 교체 보험 시장의 주요 업체들은 보증 기반 유연성 등 혁신적인 보상 옵션을 제시하여 개별 고객의 니즈에 맞는 맞춤형 보험 솔루션을 제공함으로써 보험 가치를 높이고, 보험 가입자가 새로운 보험에 가입하지 않고도 보상 수준을 조정할 수 있도록함으로써 보험 지속율을 높이고 있습니다. 보험가입자가 새로운 보험에 가입하지 않고도 보상수준을 조정할 수 있도록함으로써 계약유지율을 높이고 있습니다. 보증기반의 유연성은 추가 비용을 지불하고 선택적 보상과 특전을 추가하여 보험 계약을 맞춤화할 수 있는 기능을 말합니다. 예를 들어, 미국에 본사를 둔 보험사 Acuity Insurance는 2022년 3월 'Replacement Benefits Coverage'라는 새로운 옵션 보증을 도입했습니다. 이 보증은 신차 교체 비용 보장을 제공함으로써 표준 자동차 보험을 개선하는 것입니다. 사고로 인해 차량이 전손된 경우, 이 보상은 같은 차종의 신차 가격을 지불합니다. 이를 통해 보험 가입자는 통상적인 실제 현금 지급액보다 더 많은 보호를 받을 수 있으며, 새 차를 소유한 운전자에게 더 큰 경제적 보장과 안도감을 제공하는 것을 목표로 합니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역 전쟁과 관세, 그리고 코로나와 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별·국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 개요

제31장 기타 주요 기업과 혁신적 기업

제32장 세계의 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병

제34장 최근의 시장 동향

제35장 시장 잠재력이 높은 국가, 부문, 전략

제36장 부록

KSM
영문 목차

영문목차

New car replacement insurance is a type of auto insurance coverage that provides a brand-new vehicle of the same make and model if the recently purchased car is totaled, instead of paying only the depreciated value. This coverage usually applies to cars that are less than one or two years old and may include mileage limits. It helps protect against the rapid depreciation of a new vehicle's value.

The primary coverage types under new car replacement insurance include comprehensive, collision, and liability. Comprehensive coverage protects against damages not caused by collisions, such as theft, fire, vandalism, weather-related incidents, and animal impacts. The vehicle categories covered include passenger vehicles, commercial vehicles, and electric and hybrid vehicles. Customer demographics consist of age groups, income levels, and occupations. Distribution channels include insurance brokers, direct response, banks, and online platforms, serving various end users such as individuals and commercial entities.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

The new car replacement insurance market research report is one of a series of new reports from The Business Research Company that provides new car replacement insurance market statistics, including the new car replacement insurance industry global market size, regional shares, competitors with the new car replacement insurance market share, detailed new car replacement insurance market segments, market trends, and opportunities, and any further data you may need to thrive in the new car replacement insurance industry. This new car replacement insurance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The new car replacement insurance market size has grown strongly in recent years. It will grow from $3.78 billion in 2024 to $4.14 billion in 2025 at a compound annual growth rate (CAGR) of 9.4%. The growth observed during the historical period can be credited to the rise in vehicle ownership and car sales, escalating repair and replacement expenses, increased consumer awareness regarding comprehensive coverage, a growing preference for full-value reimbursement, and the expanding adoption of auto insurance add-on products.

The new car replacement insurance market size is expected to see strong growth in the next few years. It will grow to $5.85 billion in 2029 at a compound annual growth rate (CAGR) of 9.0%. The growth in the forecast period is expected to be driven by rising demand for personalized insurance products, greater integration of telematics in auto insurance, increased adoption of electric vehicles, expansion of online insurance policy distribution, and a heightened focus on customer-centric insurance solutions. Key trends anticipated during the forecast period include advancements in digital claim processing, innovations in usage-based insurance models, incorporation of AI and machine learning in underwriting, adoption of blockchain for policy management, and the emergence of mobile-first insurance platforms.

The increasing number of accidents is expected to drive the growth of the new car replacement insurance market in the future. Accidents are unforeseen events or incidents that cause damage, injury, or harm, often resulting from human error, mechanical failure, or environmental factors. The rise in accidents is attributed to distracted driving, which reduces attention on the road and increases the likelihood of collisions. New car replacement insurance helps mitigate the financial consequences of accidents by providing policyholders with a full replacement vehicle, promoting safer driving habits and faster recovery after collisions. For example, in May 2023, the Australian Government, an Australia-based agency, reported that road crash deaths in 2022 increased by 5.8% to 1,194. Consequently, the growing number of accidents is fueling the expansion of the new car replacement insurance market.

Leading companies in the new car replacement insurance market are launching innovative coverage options, such as endorsement-based flexibility, to provide customizable insurance solutions that address individual customer needs, enhance policy value, and boost retention by allowing policyholders to adjust protection levels without purchasing entirely new policies. Endorsement-based flexibility refers to the ability to personalize an insurance policy by adding optional coverages or benefits through endorsements for an additional fee. For instance, in March 2022, Acuity Insurance, a US-based insurer, introduced a new optional endorsement called Replacement Benefits Coverage. This endorsement improves standard auto policies by providing New Car Replacement Cost Coverage. If a vehicle is declared a total loss due to an accident, the coverage pays for a brand-new vehicle of the same make and model. This offers policyholders protection beyond the usual actual cash value payout, aiming to provide greater financial security and peace of mind for drivers with newer vehicles.

In January 2024, Aviva plc, a UK-based insurance company, acquired Optiom O2 Holdings Inc. for an undisclosed sum. Through this acquisition, Aviva intends to enhance its presence in Canada's specialty insurance sector, particularly in vehicle replacement coverage. Optiom O2 Holdings Inc. is a Canada-based provider of new car replacement insurance.

Major players in the new car replacement insurance market are AXA S.A., Allianz SE, Nationwide Mutual Insurance Company, American International Group Inc., The Allstate Corporation, Liberty Mutual Insurance Company, The Travelers Companies Inc., Aviva Plc, American Family Mutual Insurance Company S.I., MAPFRE S.A., The Hartford Financial Services Group Inc., Ameriprise Financial Inc., Assurant Inc., Erie Insurance Group, Plymouth Rock Assurance Corporation, The General Automobile Insurance Services Inc., Acuity Insurance, New Jersey Manufacturers Insurance Group, Bajaj Allianz General Insurance Company Limited, and Wallace & Turner Inc.

North America was the largest region in the new car replacement insurance market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in new car replacement insurance report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.

The countries covered in the new car replacement insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The new car replacement insurance market includes revenues earned by entities through loyalty-based replacement programs, mileage-based replacement plans, and lease-specific replacement coverage. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

New Car Replacement Insurance Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on new car replacement insurance market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for new car replacement insurance ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The new car replacement insurance market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. New Car Replacement Insurance Market Characteristics

3. New Car Replacement Insurance Market Trends And Strategies

4. New Car Replacement Insurance Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global New Car Replacement Insurance Growth Analysis And Strategic Analysis Framework

6. New Car Replacement Insurance Market Segmentation

7. New Car Replacement Insurance Market Regional And Country Analysis

8. Asia-Pacific New Car Replacement Insurance Market

9. China New Car Replacement Insurance Market

10. India New Car Replacement Insurance Market

11. Japan New Car Replacement Insurance Market

12. Australia New Car Replacement Insurance Market

13. Indonesia New Car Replacement Insurance Market

14. South Korea New Car Replacement Insurance Market

15. Western Europe New Car Replacement Insurance Market

16. UK New Car Replacement Insurance Market

17. Germany New Car Replacement Insurance Market

18. France New Car Replacement Insurance Market

19. Italy New Car Replacement Insurance Market

20. Spain New Car Replacement Insurance Market

21. Eastern Europe New Car Replacement Insurance Market

22. Russia New Car Replacement Insurance Market

23. North America New Car Replacement Insurance Market

24. USA New Car Replacement Insurance Market

25. Canada New Car Replacement Insurance Market

26. South America New Car Replacement Insurance Market

27. Brazil New Car Replacement Insurance Market

28. Middle East New Car Replacement Insurance Market

29. Africa New Car Replacement Insurance Market

30. New Car Replacement Insurance Market Competitive Landscape And Company Profiles

31. New Car Replacement Insurance Market Other Major And Innovative Companies

32. Global New Car Replacement Insurance Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The New Car Replacement Insurance Market

34. Recent Developments In The New Car Replacement Insurance Market

35. New Car Replacement Insurance Market High Potential Countries, Segments and Strategies

36. Appendix

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