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歐洲和北美保險遠端資訊處理市場 - 第九版
市場調查報告書
商品編碼
1883062

歐洲和北美保險遠端資訊處理市場 - 第九版

Insurance Telematics in Europe and North America - 9th Edition
出版日期: | 出版商: Berg Insight | 英文 220 Pages | 商品交期: 最快1-2個工作天內

價格

截至2024年底，歐洲保險遠端資訊處理合約總數達到1,380萬份。預計2029年，歐洲有效保險遠端資訊處理合約數量將以7.8%的複合年增長率成長至2,010萬份。在北美，預計保險遠端資訊處理合約總數將從2024年底的約2,020萬份成長至2029年的3,180萬份。

本報告深入分析了歐洲和北美的保險遠端資訊處理市場，透過對30家主要公司的訪談、最新的車輛擁有量數據以及對各國市場至2029年的預測，提供了相關見解。

目錄

圖表清單

摘要整理摘要

第一章：汽車市場

  • 歐洲汽車市場
    • 車輛保有量與車輛密度
    • 新車註冊量和主要製造商
  • 北美汽車市場
    • 車輛保有量與車輛密度
    • 新車註冊量和主要製造商
  • 汽車保險
    • 基本保險術語和分類
    • 汽車保險基礎知識
    • 傳統汽車保險風險評估與定價標準
    • 汽車保險公司精算工具箱的開發
  • 歐洲汽車保險市場
  • 北美汽車保險市場

第二章：保險遠端資訊處理解決方案

  • 保險概論遠距資訊處理
    • 基於遠端資訊處理的保險定價原理
    • 保險遠端資訊處理服務簡史
  • 以使用量計費的保險及相關概念和應用
    • 人工報告
    • 以使用量計費的保險遠端資訊處理 - PAYD、PHYD、MHYD、TBYB
    • 遠端資訊處理資料的連續和限時記錄
    • 以使用量計費與理賠相關的保險遠距資訊處理
    • 個人/商業保險遠距資訊處理
    • 保險遠距資訊處理相關的加值服務
  • 保險遠端資訊處理基礎設施
    • 車輛細分市場
    • 保險公司細分市場
    • 最終用戶細分市場
    • 網路細分市場
    • 全球導航衛星系統 (GNSS)細分市場
  • 商業模式
    • 內部開發
    • 利用遠端資訊處理合作夥伴
    • 無需直接客戶互動即可承保

第三章 歐洲保險遠距資訊處理市場

  • 區域市場特徵
    • 義大利
    • 德國
    • 英國
    • 法國
    • 比荷盧經濟聯盟
    • 中歐和東歐
    • 奧地利和瑞士
    • 伊比利半島
    • 北歐國家
  • 保險遠距資訊處理個案研究

第四章 北美保險遠距資訊處理市場

  • 區域市場特徵
    • 美國
    • 加拿大
  • 保險遠距資訊處理個案研究

第五章 市場預測與趨勢

  • 市場分析
    • 歐洲及北美保險遠距資訊處理政策及採用率
    • 歐洲和北美外形尺寸發展
  • 價值鏈分析
    • 保險公司
    • 遠端資訊處理公司
    • 汽車公司
    • 保險遠距資訊處理領域的併購
  • 市場推動因素與障礙
    • 宏觀經濟環境
    • 監理環境
    • 競爭環境
    • 科技環境
  • 產業趨勢
    • 人工智慧驅動保險產業數據需求
    • 客戶互動日益重要UBI
    • 保險公司同時採用 UBI 和理賠相關遠距資訊處理技術
    • UBI 獨立應用已整合到保險公司的主應用中
    • 歐盟數據法案的影響尚不清楚。
    • TSP 將作為 OEM 和保險公司之間處理連網汽車資料的中介。
    • 智慧型手機是業界最受歡迎的裝置形態。
    • 保險公司開始透過基於應用的 UBI 解決方案提供更廣泛的功能。
    • 智慧型手機和連網汽車數據解決方案的結合前景廣闊。
    • 車隊保險遠端資訊處理技術為降低車隊風險和成本提供了契機。
    • 各客戶群對隱私的擔憂正在逐漸減少。
    • 保險遠端資訊處理技術旨在減少分心駕駛。
    • 隨著駕駛習慣的改變，依里程計費的保險計劃越來越受歡迎。
    • 保險遠端資訊處理技術的概念預計將繼續擴展。
    • 自動駕駛汽車正在改變汽車保險的模式。
    • 新型出行方式為基於遠端資訊處理的保險創造了新的機會。
    • 遠端資訊處理保險理念適用於更多類型的車輛。
    • 展望：遠距資訊處理保險在其他地區也發展迅速。

第6章 企業的簡介與策略

  • Agero
  • Arity
  • Azuga (Bridgestone)
  • Cambridge Mobile Telematics
  • CCC Intelligent Solutions
  • ClearScore
  • Danlaw
  • Dolphin Technologies
  • DriveQuant
  • Earnix
  • FairConnect Group
  • Greater Than
  • Howden Driving Data (Howden Group)
  • IMS
  • LexisNexis Risk Solutions
  • MOTER Technologies
  • Munic
  • OCTO Telematics
  • OSeven Telematics
  • Radius Telematics
  • Redtail Telematics
  • Sentiance
  • Smith System
  • Scope Technology
  • Sycada
  • Targa Telematics
  • Telematics Technologies
  • The Floow
  • Trakm8
  • Valtech Mobility
  • Vodafone Automotive
  • Webfleet
  • Xirgo
  • 縮寫和簡稱的清單

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

List of Figures

  • Figure 1.1: Vehicles in use (EU27+EFTA+UK 2023)
  • Figure 1.2: Passenger car density per 1,000 inhabitants (EU27+EFTA+UK 2023)
  • Figure 1.3: Passenger car registrations by manufacturer (EU+UK+EFTA 2024)
  • Figure 1.4: Vehicles in use (North America 2024)
  • Figure 1.5: Passenger car registrations by manufacturer (North America 2024)
  • Figure 1.6: Motor insurance statistics (EU22+3 2023)
  • Figure 1.7: Motor insurance revenues (USA 2023-2024)
  • Figure 1.8: Motor insurance revenues by state (Canada 2023-2024)
  • Figure 2.1: Distribution of fatal crashes by day of week and time of day (The US 2023)
  • Figure 2.2: Subcategories of usage-based insurance and insurance telematics
  • Figure 2.3: Schematic classification of insurance telematics
  • Figure 2.4: Insurance telematics infrastructure overview
  • Figure 2.5: Examples of principal insurance telematics form factors
  • Figure 2.6: Example of a windscreen-mounted Bluetooth device from CMT
  • Figure 2.7: GDV-Stecker 12 V device provided by Bosch
  • Figure 2.8: Nextbase's Dash Cam 522 GW and Rear Window Cam module
  • Figure 2.9: Schematic insurance telematics risk rating process
  • Figure 2.10: Web- and smartphone-based interfaces and dashboards for end-users
  • Figure 2.11: Telematics strategies for insurance providers
  • Figure 3.1: Allianz's top telematics markets (Q3-2025)
  • Figure 3.2: Marmalade Young Driver app and tag developed by CMT
  • Figure 3.3: Windscreen device and app from VHV
  • Figure 4.1: Progressive's Snapshot mobile interface
  • Figure 4.2: State Farm's Bluetooth-beacon enhanced smartphone app
  • Figure 4.3: Growth of Allstate's UBI offer Drivewise (2011-2024)
  • Figure 4.4: Travelers IntelliDrive
  • Figure 5.1: Insurance telematics policies and penetration (Europe 2024-2029)
  • Figure 5.2: Insurance telematics policies and penetration (North America 2024-2029)
  • Figure 5.3: Distribution of insurance telematics form factors (Europe 2024-2029)
  • Figure 5.4: Distribution of insurance telematics form factors (North America 2024-2029)
  • 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 (2014-2025)
  • Figure 6.1: Munic's C4 OBD-II V8 and the new C4R Max V8 dongles