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市場調查報告書
商品編碼
1963855
行動電話保險市場-全球產業規模、佔有率、趨勢、機會和預測:按手機類型、覆蓋範圍、地區和競爭格局分類,2021-2031年Mobile-Phone Insurance Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Phone Type, By Coverage, By Region & Competition, 2021-2031F |
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全球行動電話保險市場預計將從 2025 年的 349.8 億美元大幅成長至 2031 年的 719.8 億美元,複合年成長率為 12.78%。
該產業提供關鍵的風險管理解決方案,為行動裝置意外損壞、被盜、遺失或機械故障造成的損失提供經濟補償。市場成長的主要促進因素是高階智慧型手機零售價格的上漲,這促使消費者購買保險以避免高昂的更換成本,以及現代手機大量採用玻璃材質設計的脆弱性。根據美國通訊工業協會(CTIA)的數據(該數據顯示了需要保護的資產規模),到2024年,美國5G設備的數量將達到2.59億台,這將推動對綜合保險計劃的需求。
| 市場概覽 | |
|---|---|
| 預測期 | 2027-2031 |
| 市場規模:2025年 | 349.8億美元 |
| 市場規模:2031年 | 719.8億美元 |
| 複合年成長率:2026-2031年 | 12.78% |
| 成長最快的細分市場 | 防盜和防損 |
| 最大的市場 | 北美洲 |
阻礙市場成長的主要障礙之一是詐欺性索賠的高發。這推高了保費,並需要嚴格的檢驗流程。為了緩解這個問題,保險公司必須實施嚴格的詐欺偵測通訊協定,但這往往會導致複雜的理賠程序,令誠實的客戶感到沮喪,並可能降低保單續保率。這種操作上的摩擦疏遠了那些優先考慮便利性和價格實惠的消費者,最終限制了市場的廣泛滲透。因此,保險業面臨著如何在實施強力的安全措施和提供流暢的用戶體驗之間保持微妙平衡的挑戰,以確保永續成長。
意外損壞(尤其是螢幕故障)的高發生率是推動市場成長的主要因素。現代行動電話的實體結構較為脆弱,導致用戶需要承擔高昂的自費維修費用。隨著製造商採用更大尺寸的全面屏和更複雜的內部組件,手機嚴重損壞的風險也隨之增加,消費者因此要求透過完善的保險計劃獲得經濟保障。這一趨勢具有顯著的經濟影響。根據Allstate Protection Plans發布的2024年3月報告,美國人在2023年光是螢幕維修就花了83億美元,幾乎是2018年的三倍。因此,高成本推動了提供低免賠額和無限次螢幕維修等福利的高階保險計劃的普及。
同時,設備竊盜和遺失案件的增加,尤其是在大都會圈,凸顯了除機械故障保障之外的其他保障需求。隨著有組織犯罪集團擴大將目標瞄準高價值智慧型手機進行國際轉售,一種風險環境正在形成,促使人們透過保險來防止資產完全損失。根據《精算郵報》(Actuarial Post)2025年1月發布的報告(引用倫敦警察廳的統計數據)顯示,2024年倫敦被盜行動電話超過7萬部,比前一年成長了34%。此外,保障這些資產剩餘價值的市場也不斷擴大。根據安盛保險(Assurant)的數據,2024年美國以舊換新市場為消費者返還了創紀錄的45億美元,這凸顯了透過保險來維護設備所有權和良好狀態的經濟必要性。
詐欺性索賠的普遍存在一直是限制全球行動電話保險市場擴張的一大障礙。這個問題直接影響產業的成本結構,迫使保險公司提高保費以彌補經濟損失,從而降低了消費者的購買力。此外,嚴格的詐欺偵測通訊協定也造成了營運上的不便。合法客戶必須經歷冗長的檢驗過程和繁瑣的文書工作,這損害了用戶體驗並削弱了信任。因此,潛在用戶可能會認為這些保障措施繁瑣或高成本,從而限制了整體市場滲透率。
這項挑戰的財務規模迫使保險公司優先考慮風險規避而非提供無縫服務,加劇了客戶維繫和取得的難度。這種動態造成了營運成本持續高漲的惡性循環,阻礙了價格敏感型消費者進入市場。近期行業數據凸顯了問題的嚴重性。根據通訊詐騙預防協會 (CFCA) 預測,到 2025 年,全球通訊產業的詐騙損失將達到約 398.9 億美元。雖然如此龐大的資金外流需要採取嚴格的安全措施(這些措施必不可少),但也直接限制了市場提供便利、低成本保險產品的能力。
人們對永續性和循環經濟的日益關注正在重塑保險業,吸引著既注重成本又具有環保意識的消費者。保險公司正在調整產品系列,並擴大二手設備的獨立保障計畫。由於覆蓋範圍有限和評估困難,這一領域歷來服務不足。這種策略轉變使保險公司能夠延長設備的生命週期,並透過提供以維修為重點的保險產品而非優先考慮更換,進入不斷成長的次市場。這一趨勢的經濟潛力巨大。 GSMA在2025年3月發布的一份報告預測,到2027年,全球翻新行動電話和維修服務市場規模將超過1500億美元,成為適應性強的保險公司重要的全新收入來源。
同時,市場正從硬體保險擴展到網路安全和數位錢包保護領域,以滿足保護數位身分和金融資產的需求。隨著智慧型手機成為銀行和支付的主要介面,風險狀況也在不斷演變,涵蓋了身分盜竊和詐欺性轉帳等複雜的軟體威脅。為此,保險公司正在將軟體安全功能和財務賠償條款納入其保費計劃,以降低這些非物理風險。這種演變是由日益成長的威脅所驅動的。根據 Zimperium 於 2024 年 9 月發布的《2024 年全球行動威脅報告》,82% 的網路釣魚網站專門針對行動設備,這凸顯了在現代保險合約中整合數位安全解決方案的迫切需求。
The Global Mobile-Phone Insurance Market is projected to expand significantly, growing from USD 34.98 Billion in 2025 to USD 71.98 Billion by 2031, reflecting a Compound Annual Growth Rate (CAGR) of 12.78%. This sector provides essential risk management solutions designed to offer financial reimbursement for costs arising from accidental damage, theft, loss, or mechanical failure of mobile devices. The market's growth is largely fueled by the rising retail prices of premium smartphones, which incentivize consumers to purchase coverage to avoid the heavy financial burden of replacement, alongside the fragility of modern glass-heavy device designs. Highlighting the scale of assets requiring protection, CTIA data reveals that the number of 5G devices in the United States hit 259 million in 2024, driving the demand for comprehensive insurance plans.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 34.98 Billion |
| Market Size 2031 | USD 71.98 Billion |
| CAGR 2026-2031 | 12.78% |
| Fastest Growing Segment | Theft & Loss Protection |
| Largest Market | North America |
One major obstacle hampering market growth is the high frequency of fraudulent claims, which inflates premium costs and necessitates strict verification processes. To mitigate this, insurers must enforce rigorous fraud detection protocols that often result in complicated claims procedures, potentially frustrating honest customers and lowering policy renewal rates. This operational friction discourages consumers who value convenience and affordability, thereby restricting broader market penetration. Consequently, the industry faces the challenge of maintaining a delicate balance between enforcing robust security measures and providing a seamless user experience to ensure sustained expansion.
Market Driver
The high incidence of accidental damage, particularly screen failures, acts as a primary catalyst for market growth, as the physical fragility of modern handsets exposes users to substantial out-of-pocket repair costs. As manufacturers increasingly adopt larger, edge-to-edge glass displays and complex internal components, the risk of critical damage has risen, prompting consumers to seek financial protection through robust insurance plans. This trend has significant economic implications; a March 2024 report by Allstate Protection Plans noted that Americans spent $8.3 billion on screen repairs alone in 2023, a figure nearly triple that of 2018. As a result, the high cost of component replacement is driving the adoption of premium insurance tiers that offer benefits like low-deductible or unlimited screen repairs.
Concurrently, the escalating rates of device theft and loss, especially in major urban centers, have reinforced the need for coverage that extends beyond mechanical issues. Organized crime groups are increasingly targeting high-value mobile phones for international resale, creating a risk environment that incentivizes policy enrollment to prevent total asset loss. Data from the Actuarial Post in January 2025, citing Metropolitan Police figures, indicated that over 70,000 phones were stolen in London in 2024, a 34% increase from the previous year. Furthermore, the market is expanding to protect the residual value of these assets; according to Assurant, the U.S. trade-in market returned a record $4.5 billion to consumers in 2024, underscoring the economic necessity of maintaining device possession and condition through insurance.
Market Challenge
The widespread prevalence of fraudulent claims serves as a persistent barrier to the expansion of the Global Mobile-Phone Insurance Market. This issue directly affects the industry's cost structure, forcing insurers to offset financial losses by charging higher premiums, which reduces the affordability of plans for the average consumer. Additionally, the need for strict fraud detection protocols introduces operational friction, as legitimate customers often endure lengthy verification processes and complex documentation requirements, diminishing the user experience and eroding trust. As a result, potential subscribers may perceive these protections as too cumbersome or expensive, limiting overall market penetration.
The financial scale of this challenge compels insurers to prioritize risk mitigation over seamless service delivery, complicating efforts to retain and acquire customers. This dynamic creates a cycle where operational costs remain high, deterring price-sensitive consumers from entering the market. The severity of the issue is highlighted by recent industry data; according to the Communications Fraud Control Association (CFCA), global fraud losses in the telecommunications sector reached approximately $39.89 billion in 2025. This massive financial leakage necessitates rigorous security measures which, while essential, act as a direct constraint on the market's ability to offer frictionless and low-cost coverage options.
Market Trends
The industry is being reshaped by a growing focus on sustainability and the circular economy, appealing to cost-conscious and environmentally aware consumers. Insurers are adjusting their product portfolios to include standalone protection for pre-owned devices, a segment that was previously underserved due to warranty limitations and valuation difficulties. This strategic shift enables providers to tap into the expanding secondary market by offering repair-focused policies that extend the lifecycle of handsets rather than prioritizing replacement. The economic potential of this trend is significant; a March 2025 GSMA report projects that the global market for refurbished phones and repair services will exceed $150 billion by 2027, creating a major new revenue stream for adaptable insurance providers.
Simultaneously, the market is pivoting from solely insuring hardware to encompassing cybersecurity and digital wallet protection, addressing the need to safeguard digital identities and financial assets. As smartphones become the primary interface for banking and payments, the risk profile has evolved to include sophisticated software threats such as identity theft and unauthorized fund transfers. In response, insurers are bundling software security features and financial reimbursement clauses into premium tiers to mitigate these non-physical risks. This evolution is driven by escalating threats; the '2024 Global Mobile Threat Report' by Zimperium in September 2024 revealed that 82% of phishing sites specifically targeted mobile devices, underscoring the critical need for integrated digital security solutions within modern insurance policies.
Report Scope
In this report, the Global Mobile-Phone Insurance Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global Mobile-Phone Insurance Market.
Global Mobile-Phone Insurance Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: