車輛保險的全球市場規模:保險費各類型，各地區，範圍及預測

車險市場規模及預測

2021年車輛保險市場規模為6061.8億美元，預計2022年至2030年複合年增長率為6.73%，到2030年將達到18388億美元。人們對車輛保險所提供的好處的認識不斷提高可以說是市場的主要推動力。保險為人們提供保護，並在中等收入人群的汽車損壞時向他們伸出援手。因此，車輛保險為車主提供的保障預計將推動市場的發展。全球車輛保險市場報告提供了對市場的整體評估。它對關鍵細分市場、趨勢、市場驅動因素、競爭格局以及在市場中發揮關鍵作用的因素進行了全面分析。

全球車輛保險市場的定義

車輛保險是針對個人車輛、商用車輛、摩托車和其他道路車輛的保險。車輛保險是車主購買的，以確保車輛損壞或被盜時的安全。車輛保險主要承保法律風險（因事故引起的法律索賠）和財產風險（車輛被盜或損壞）。依車型劃分，市場分為乘用車、輕型商用車、重型商用車和巴士。這個市場為消費者提供的安心以及越來越多有利於這個市場的政府法規導致了市場的各種發展。最近推出的基於使用情況的保險也稱為按英里付費或按駕駛付費。有了這項保險，保險公司就有權利衡量汽車行駛的距離、地點和方式。

基於使用情況的保險最近受到關注，尤其是在美國等西方市場。世界各國政府也正在採取措施振興保險業。例如，印度政府在 2021 年聯邦預算中增加了保險的 FDI 津貼，印度保險監理和發展局 (IRDAI) 宣布透過數位儲物櫃提供保險。同樣，鑑於該市場未來的潛力，該市場的各個主要參與者和各國政府都在對該市場進行投資。

全球車輛保險市場概況

車輛保險為消費者提供人身損害、交通事故造成的損壞、車輛被竊等的財務保障。除此之外，車輛保險業也承保因受保車輛車主對其他車輛造成的傷害、死亡和財產損失相關的費用。在一個充滿活力的世界中，每個人都希望安全，而車輛保險產業為消費者提供了這種安全。因此，保險業贏得了信任，需求量很大。市場需求可以這樣推算：買了車後，車主接下來要做的就是購買車輛保險來為其投保。過去幾年事故數量的增加也被認為是購買保險的主要原因之一。

政府對汽車市場的積極態度以及對汽車市場有利的嚴格監管也促進了需求的成長。消費者人均收入快速成長帶動全球汽車銷售成長，是拉動市場銷售的主要因素。遠端資訊處理和連網汽車的日益普及也推動了市場需求，這是由於政府越來越願意強制要求提供緊急呼叫功能等遠端資訊處理服務，以及對改善車輛連接性和智慧化的需求不斷增加。對連網汽車服務不斷增長的需求使保險公司能夠在緊急情況下為消費者提供支持，從而節省時間並優化索賠流程。除此之外，車輛保險領域嚴格的框架和耗時的程序可能會影響全球車輛保險市場的成長率。

COVID-19 大流行對市場產生了重大影響。疫情導致失業率上升、辦公室和工廠關閉以及週期性封鎖，直接影響了車險市場。然而，政府對車輛保險市場的舉措以及對市場投資的支持為該行業在預測期內的成長提供了機會。驗證市場研究透過驗證原始數據提供真實的市場研究。 "全球車輛保險市場" 主要分為幾個子部分，可以提供有關市場最新發展的分類資料。

目錄

第1章 全球車輛保險市場:簡介

• 市場概要
• 調查範圍
• 前提條件

第2章 摘要整理

第3章 VERIFIED MARKET RESEARCH的調查手法

• 資料探勘
• 檢驗
• 一次採訪
• 資料來源一覽

第4章 全球車輛保險市場展望

• 概要
• 市場動態
  • 促進因素
  • 阻礙因素
  • 機會
• 波特的五力分析
• 價值鏈分析

第5章 全球車輛保險市場:保險費各類型

• 概要
• 個人保險費
• 商業保險費

第6章 全球車輛保險市場:各地區

• 概要
• 北美
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 其他歐洲
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 其他亞太地區
• 全球其他地區
  • 南美
  • 中東·非洲

第7章 全球車輛保險市場:競爭情形

• 概要
• 各公司的市場排行榜
• 主要的發展策略

第8章 企業簡介

• ADMIRAL GROUP PLC
• ALLIANZ SE
• ALLSTATE INSURANCE COMPANY
• BERKSHIRE HATHAWAY INC.
• CHINA PACIFIC INSURANCE(GROUP)CO., LTD.
• GEICO
• PEOPLE'S INSURANCE COMPANY OF CHINA
• PING AN INSURANCE(GROUP)COMPANY OF CHINA LTD.
• STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
• TOKIO MARINE GROUP

第9章 主要發展

• 產品的銷售/開發
• 合併和收購
• 事業擴大
• 夥伴關係和合作

第10章 附錄

• 相關調查

Vehicle Insurance Market Size And Forecast

Vehicle Insurance Market size was valued at USD 606.18 Billion in 2021 and is projected to reach USD 1083.88 Billion by 2030 , growing at a CAGR of 6.73% from 2022 to 2030. The increase in the awareness of the benefits provided by vehicle insurance can be termed as a key driver of the market. Insurance provides protection to the people and acts as a helping hand to the middle-income family group in case their car gets any damage. Hence the safety provided by the vehicle insurance to its owners is expected to drive the market. The Global Vehicle Insurance Market report provides a holistic evaluation of the market. The report offers a comprehensive analysis of key segments, trends, drivers, restraints, competitive landscape, and factors that are playing a substantial role in the market.

Global Vehicle Insurance Market Definition

Vehicle insurance is a kind of insurance that is purchased for personal vehicles, commercial vehicles, motorcycles, and other road vehicles. Vehicle insurance is purchased by the owners of the vehicle to get security in case their vehicle gets any damage or gets stolen. Vehicle Insurance mainly covers both the legal risk (legal claims arising from an accident) and the property risk (theft or damage to the vehicle). By vehicle type, the market is divided into passenger cars, light commercial vehicles, heavy commercial vehicles, and buses. The security provided by the market to its consumers and increasing government regulations in favor of the market have led to various developments in the market. Usage-based insurance has been recently introduced, which is also referred to as pay-per-mile, pay-as-you-drive. In this insurance, the insurer has the power to measure how far a vehicle is driven, where it's driven, and how it's driven.

Usage-based insurance is recently gaining attention in the market, especially in western countries like the United States. The government of different countries is also taking initiatives to boost the insurance industry. For example, under the Union Budget 2021 government of India increased the FDI limit in insurance, and India's Insurance Regulatory and Development Authority (IRDAI) has announced the insurance through Digi locker, hence opening wider scope for the development of the industry. Similarly, various key players of the market and governments of different countries are investing in the market because of the potential the market holds for them in the future.

Global Vehicle Insurance Market Overview

The financial protection the industry gives to its consumers against physical damage, damage from a traffic collision, and theft of the vehicle. In addition to this, the industry also covers the cost associated with injuries, death, or property damage caused by the insured owner of the vehicle to another vehicle can be considered a key driver of the market. Everyone wants security in the dynamic world, and the vehicle insurance industry provides that safety to its consumers. Hence due to the trust, it has earned the industry has huge demand. The demand of the market can be calculated by the fact that any car owner after buying the car, does the next thing she/he does is to ensure the car by buying car insurance. A rise in the number of accidents in past years can also be witnessed as one of the major reasons to buy insurance.

The government's positive attitude towards the market and strict regulations imposed by the government in favor of the market has also contributed to increasing the demand. An increase in automobile sales globally due to a surge in the per capita income of consumers is a major factor that drives the sales of the market. Increasing adoption of telematics and connected cars due to increased willingness of government to mandate telematics services such as emergency-call capabilities and increasing demand for greater connectivity and intelligence in vehicles is also driving the market demand as due to the growing demand for connected cars services, insurance providers can support consumers when emergencies occur, leading to time savings and optimization of claims processes. Apart from this, a rigid framework and time-consuming procedures in the vehicle insurance sector could affect the market growth rate of the global Vehicle Insurance Market.

The COVID-19 pandemic has had a stronger impact on the market, as the pandemic has resulted in higher unemployment, closed offices, factories, and regular lockdowns, among other things. hence directly impacting the Vehicle Insurance Market. However, the government initiatives towards the Vehicle Insurance Market and the support in terms of investing in the market give opportunity to the industry to grow over the forecast period. Verified Market Research provides a full-fledged market study by validating the primary data. The "Global Vehicle Insurance Market" is mainly bifurcated into sub-segments that can provide classified data regarding the latest trends in the market.

Global Vehicle Insurance Market Segmentation Analysis

The Global Vehicle Insurance Market is Segmented on the basis of Premium Type, And Geography.

Vehicle Insurance Market, By Premium Type

• Personal insurance premiums
• Commercial insurance premiums

Based on Premium Type, the market is classified into Personal insurance premiums and Commercial insurance premiums. The premium of the personal insurance is much higher than the commercial insurance premium as it possesses lower risk since a personal vehicle is considered to be less used as compared to the vehicle purchased for commercial purposes.

Vehicle Insurance Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the world
• On the basis of Geography, The Global Vehicle Insurance Market is classified into North America, Europe, Asia Pacific, and the Rest of the world. Among all the four regions, Asia Pacific is the leading region in the Vehicle Insurance market due to the rapidly increasing number of vehicles sales and production. The developing economies in the region like China and India due to huge low-cost labor and favorable factors for the development of the economy. The presence of major players in the region is additionally bolstering the market value.

Key Players

• The "Global Vehicle Insurance Market" study report will provide a valuable insight with an emphasis on the global market including some of the major players such as
• Admiral Group Plc, Allianz SE, Allstate Insurance Company, Berkshire Hathaway Inc., China Pacific Insurance (Group) Co., Ltd., GEICO, People's Insurance Company of China, Ping An Insurance (Group) Company of China, Ltd., State Farm Mutual Automobile Insurance Company, and Tokio Marine Group.
• The report provides a detailed analysis of each player in the market. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

Key Developments

• Partnerships, Collaborations and Agreements
• In 2021, A corporate agency agreement between Bajaj Allianz General Insurance and Bank of India was signed. The bank's wide network of 5,084 branches, 80 retail business centres, and 60 SME city centres will now be able to distribute Bajaj Allianz General Insurance's products across the country. Customers of Bajaj Allianz General Insurance will be able to choose from a variety of personal lines products such as vehicle insurance, health insurance, house insurance, and travel insurance, as well as commercial lines goods such as engineering insurance and marine insurance.
• Product Launches and Product Expansions
• HDFC ERGO will introduce the Optima Secure indemnity-based health insurance policy in 2021. HDFC ERGO General Insurance's new health indemnity insurance product, Optima Secure, strives to redefine the value clients can gain from their insurance coverage. The secure, plus, protect, and restore benefits are built into the product, and when combined, they provide customers with up to four times their sum insured at no additional cost.
• Metromile, a pay-per-mile carrier, will offer Ride Along in October 2020. It allows potential policyholders to see if their prices will change under a UBI plan without changing carriers.
• In December 2020, Progressive Corporation launches Snapshot ProView, a voluntary UBI and fleet management tool for small business owners. Based on the vehicle type and nature of business use, many clients will save 8%, and some will save up to 18%, for their first term.
• In December 2020, Berkshire Hathaway GUARD Insurance Companies has chosen IMS for a new commercial fleet insurance package called TrackMRI.

TABLE OF CONTENTS

1 INTRODUCTION OF THE GLOBAL VEHICLE INSURANCE MARKET

• 1.1 OVERVIEW OF THE MARKET
• 1.2 SCOPE OF REPORT
• 1.3 ASSUMPTIONS

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 DATA MINING
• 3.2 VALIDATION
• 3.3 PRIMARY INTERVIEWS
• 3.4 LIST OF DATA SOURCES

4 GLOBAL VEHICLE INSURANCE MARKET OUTLOOK

• 4.1 OVERVIEW
• 4.2 MARKET DYNAMICS
  • 4.2.1 DRIVERS
  • 4.2.2 RESTRAINTS
  • 4.2.3 OPPORTUNITIES
• 4.3 PORTERS FIVE FORCE MODEL
• 4.4 VALUE CHAIN ANALYSIS

5 GLOBAL VEHICLE INSURANCE MARKET, BY PREMIUM TYPE

• 5.1 OVERVIEW
• 5.2 PERSONAL INSURANCE PREMIUMS
• 5.3 COMMERCIAL INSURANCE PREMIUMS

6 GLOBAL VEHICLE INSURANCE MARKET, BY GEOGRAPHY

• 6.1 OVERVIEW
• 6.2 NORTH AMERICA
  • 6.2.1 U.S.
  • 6.2.2 CANADA
  • 6.2.3 MEXICO
• 6.3 EUROPE
  • 6.3.1 GERMANY
  • 6.3.2 U.K.
  • 6.3.3 FRANCE
  • 6.3.4 REST OF EUROPE
• 6.4 ASIA PACIFIC
  • 6.4.1 CHINA
  • 6.4.2 JAPAN
  • 6.4.3 INDIA
  • 6.4.4 REST OF ASIA PACIFIC
• 6.5 REST OF THE WORLD
  • 6.5.1 LATIN AMERICA
  • 6.5.2 MIDDLE EAST AND AFRICA

7 GLOBAL VEHICLE INSURANCE MARKET COMPETITIVE LANDSCAPE

• 7.1 OVERVIEW
• 7.2 COMPANY MARKET RANKING
• 7.3 KEY DEVELOPMENT STRATEGIES

8 COMPANY PROFILES

• 8.1 ADMIRAL GROUP PLC
  • 8.1.1 OVERVIEW
  • 8.1.2 FINANCIAL PERFORMANCE
  • 8.1.3 PRODUCT OUTLOOK
  • 8.1.4 KEY DEVELOPMENTS
• 8.2 ALLIANZ SE
  • 8.2.1 OVERVIEW
  • 8.2.2 FINANCIAL PERFORMANCE
  • 8.2.3 PRODUCT OUTLOOK
  • 8.2.4 KEY DEVELOPMENTS
• 8.3 ALLSTATE INSURANCE COMPANY
  • 8.3.1 OVERVIEW
  • 8.3.2 FINANCIAL PERFORMANCE
  • 8.3.3 PRODUCT OUTLOOK
  • 8.3.4 KEY DEVELOPMENTS
• 8.4 BERKSHIRE HATHAWAY INC.
  • 8.4.1 OVERVIEW
  • 8.4.2 FINANCIAL PERFORMANCE
  • 8.4.3 PRODUCT OUTLOOK
  • 8.4.4 KEY DEVELOPMENTS
• 8.5 CHINA PACIFIC INSURANCE (GROUP) CO., LTD.
  • 8.5.1 OVERVIEW
  • 8.5.2 FINANCIAL PERFORMANCE
  • 8.5.3 PRODUCT OUTLOOK
  • 8.5.4 KEY DEVELOPMENTS
• 8.6 GEICO
  • 8.6.1 OVERVIEW
  • 8.6.2 FINANCIAL PERFORMANCE
  • 8.6.3 PRODUCT OUTLOOK
  • 8.6.4 KEY DEVELOPMENT
• 8.7 PEOPLE'S INSURANCE COMPANY OF CHINA
  • 8.7.1 OVERVIEW
  • 8.7.2 FINANCIAL PERFORMANCE
  • 8.7.3 PRODUCT OUTLOOK
  • 8.7.4 KEY DEVELOPMENTS
• 8.8 PING AN INSURANCE (GROUP) COMPANY OF CHINA LTD.
  • 8.8.1 OVERVIEW
  • 8.8.2 FINANCIAL PERFORMANCE
  • 8.8.3 PRODUCT OUTLOOK
  • 8.8.4 KEY DEVELOPMENT
• 8.9 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
  • 8.9.1 OVERVIEW
  • 8.9.2 FINANCIAL PERFORMANCE
  • 8.9.3 PRODUCT OUTLOOK
• 8.10 TOKIO MARINE GROUP
  • 8.10.1 OVERVIEW
  • 8.10.2 FINANCIAL PERFORMANCE
  • 8.10.3 PRODUCT OUTLOOK
  • 8.10.4 KEY DEVELOPMENTS

9 KEY DEVELOPMENTS

• 9.1 PRODUCT LAUNCHES/DEVELOPMENTS
• 9.2 MERGERS AND ACQUISITIONS
• 9.3 BUSINESS EXPANSIONS
• 9.4 PARTNERSHIPS AND COLLABORATIONS

10 APPENDIX

• 10.1 RELATED RESEARCH