Global and China UBI Industry Report, 2017-2021
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Oct.2017
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Starting in China in 2012, later than in foreign countries, UBI is primarily developed by mainly referring to foreign products and mature models. Auto insurance, always the largest subsector of property insurance in China, reported original premium income of RMB683.455 billion in 2016, up 10.3% from a year earlier and accounting for 78% of property-insurance original premium income. The reform of commercial car insurance rate management system was piloted from May 2015 and the market-oriented reform of car insurance rate was staged nationwide on July 1, 2016. Also, the rapid evolution of automotive IoT (Internet of Things) gives great impetus to the automotive UBI industry. The Chinese automotive UBI market is expected to value RMB201.8 billion in 2021 at a CAGR of 43.0%.
China’s UBI models are led by the “entities + insurers” one. Entities include OEMs, connected car firms, independent service providers, and big data companies.
1. OEMs + Insurers: OEMs usually cooperate with third parties and insurers in UBI field, represented by SAIC Motor + Cihon + CPIC. SAIC Motor and CPIC give a personalized quote for car insurance on auto models carrying OnStar according to consumers’ driving habits, mileage, and other factors. Cihon is responsible for data analysis and insurance model development.
2. Connected Car Platforms + Insurers: Connected car platforms are dominated by Aftermarket TSP (telematics service provider) in UBI field. For example, the insurer (PICC), via Shenzhen Autonet’s connected car platform, provides car owners with one-key insurance claim, quick settlement of claim, and inquiry of insurance status, and develops floating car insurance business.
3. Independent Service Providers + Insurers: Independent service providers usually acquire customer data via APP + OBD to work with insurers to develop UBI and at the same time provide customers with car maintenance and other services.
4. Big Data + Insurers: In UBI field, some insurers, on the one hand, have self-run platforms, such as Zhong An Online P&C Insurance’s O2O car insurance, and on the other hand, co-develop platforms with Internet businesses or other connected car firms. For instance, CPIC organized Internet companies with Baidu and invested in Atzuche. Big data companies employ various methods in UBI field, like Beijing Jingyou Times Information Technology, a provider of database and risk models.
Global and China UBI Industry Report, 2017-2021 highlights the following:
UBI overview (definition, pricing, value, methods of UBI data acquisition, etc.);
Foreign UBI markets (global; UBI in United States, Canada, UK, and Germany;
10 UBI companies and their products in United States, Canada, UK, Germany, and Italy);
UBI business in China (future scale, drivers, entities, development trends);
Local Chinese UBI companies (business, operation, and UBI products of China Life, PICC, Ping An Insurance, Carsmart, Zhong An Online P&C Insurance, Cihon, DiNA Technology, PingJia Technology, Shenzhen Dingran Information Technology, Shenzhen Autonet, Launch Tech, Renrenbao, MSD, Deren Electronic and Zebra-Drive)
1 Overview of UBI
1.1 Definition
1.2 Pricing
1.3 Value
1.4 Means of Acquisition
2 Global Telematics Insurance Market
2.1 Global
2.2 U.S. UBI Market
2.3 Canadian UBI Market
2.4 UK UBI Market
2.5 German UBI Market
3 Car Insurance and UBI Localization in China
3.1 Status Quo of Car Insurance in China
3.2 UBI Participants in China
3.2.1 OEMs + Insurance Companies
3.2.2 Telematics Platforms or Parts Suppliers + Insurance Companies
3.2.3 Independent Service Providers + Insurance Companies
3.2.4 Big Data Companies
3.2.5 Insurers
3.3 UBI Trends
3.3.1 Chinese UBI Market Size of RMB200 Billion in 2021
3.3.2 Market-based Reform of Car Insurance Rates Will Bring Unprecedented Opportunities to the Development of UBI
3.3.3 Diversified UBI Preferentials
3.3.4 Diversified Means of UBI Acquisition
3.3.5 Diversified Modes of Services Provided by Insurers
4 UBI Cases in Europe
4.1 UnipolSai
4.1.1 Profile
4.1.2 Operating Performance
4.1.3 UBI Business
4.2 Generali
4.2.1 Profile
4.2.2 UBI Business
4.3 Allianz
4.3.1 Profile
4.3.2 Operating Performance
4.3.3 UBI Business
4.4 Insure The Box
4.4.1 Profile
4.4.2 UBI Business
4.4.3 Advantages of InsuretheBox
4.5 RISK Technology
4.5.1 Profile
4.5.2 UBI Business
4.5.3 Methods of Risk Assessment
5 UBI Cases and Companies in North America
5.1 Progressive
5.1.1 Profile
5.1.2 UBI Business
5.1.3 Developments
5.2 State Farm
5.2.1 Profile
5.2.2 Operating Performance
5.2.3 UBI Business
5.3 Allstate
5.3.1 Profile
5.3.2 Operation
5.3.3 UBI Business
5.4 Desjardins
5.4.1 Profile
5.4.2 Operation
5.4.3 UBI Business
5.5 Hartford
5.5.1 Profile
5.5.2 Operation
5.5.3 UBI Business
6 UBI-related Companies in China
6.1 China Life Property & Casualty Insurance Co., Ltd.
6.1.1 Profile
6.1.2 UBI Business
6.2 PICC P&C
6.2.1 Profile
6.2.2 UBI Business
6.3 Ping An Property & Casualty Insurance Co. of China
6.3.1 Profile
6.3.2 Operation
6.3.3 UBI Business
6.4 Zhong An Online P&C Insurance Co., Ltd.
6.4.1 Profile
6.4.2 Operation
6.4.3 UBI Business
6.5 Carsmart
6.5.1 Profile
6.5.2 UBI Business
6.6 Cihon
6.6.1 Profile
6.6.2 UBI Business
6.6.3 Cooperative Mode of SAIC Motor, Cihon and CPIC
6.7 DiNA Technology
6.7.1 Profile
6.7.2 UBI Services
6.7.3 DiNa Telematics Function
6.7.4 DiNA’s Value to Insurers
6.8 PingJia Technology
6.8.1 Profile
6.8.2 UBI Business
6.9 Shenzhen Dingran Information Technology
6.9.1 Profile
6.9.2 UBI Business
6.9.3 Usage Mode
6.9.4 A-Round of Financing
6.10 Shenzhen Autonet
6.10.1 Profile
6.10.2 Insurance Solutions
6.10.3 Way of Cooperation with PICC and China Grand Auto
6.10.4 UBI by Day
6.10.5 Business Trends
6.11 Launch Tech
6.11.1 Profile
6.11.2 Operating Performance
6.11.3 UBI Business
6.12 MSD
6.12.1 Profile
6.12.2 UBI Business
6.12.3 News about MSD UBI Business
6.13 Nanjing Renrenbao Network Technology Co., Ltd.
6.13.1 Profile
6.13.2 UBI Chebao
6.13.3 UBI Lichengbao
6.14 Deren Electronic
6.14.1 Profile
6.14.2 UBI Business
6.14.3 UBI Products
6.15 Zebra-Drive
6.15.1 Profile
6.15.2 UBI Business
Main Parts of UBI System
Diagram of UBI Pricing Models
Diagram and Classification of UBI Parameters
Impact of UBI on Car Owners and Insurers
Comparison between UBI Data Acquisition Modes
Global Presence of UBI Companies, 2016
Global UBI Projects, Countries, and Number of Policies, 2015-2016
UBI Projects and Number of Policies in UK, United States, and Italy, 2015-2016
Pricing Models of Some UBI Companies in North America, Europe and Asia
UBI Business of U.S. Progressive, State Farm, and Allstate
Number of UBI Purchased by Young Drivers in UK, 2009-2016
PAY AS YOU DRIVE and THE IN-TELE-BOX UBI in UK
China’s Premium Income from Property Insurance and Car Insurance, 2012-2016
Total Premium Income and Car Insurance Premium Income of PICC, Ping An and CPIC, 2016
UBI Models Adopted by OEMs
UBI Models of Telematics Platforms or Parts Manufacturers
UBI Models Adopted by Independent Service Providers
UBI Models Adopted by Big Data Companies
UBI Models Adopted by Insurers
Chinese UBI Market Size, 2015-2021E
Process of Pilot Reform of Commercial Car Insurance Terms & Rates Management System
Foreign Main UBI Billing Modes
Optional Preferentials of a Foreign UBI Company
Changes in Driver's Data Acquisition Modes, 2015-2016
Some UBI Companies Using Mobile Phone APP to Collect Data at Home and Abroad
Organizational Structure of UnipolSai
Financial Position of UnipolSai, 2015-2017
Revenue and Profit of UnipolSai by Business, 2015-2017
Development Track and Strategic Path of UnipolSai’ Insurance Services, 2003-2018E
Non-life Insurance Services of UnipolSai, 2012-2018E
Illustration of Unibox
Advantages of UnipolSAI UBI
Financial Position of Generali, 2015-2017H1
Computation Steps of Generali
Interface of Pago como conduzco
Global Presence of Allianz
Total Premium of Allianz, 2013-2016
Revenue and Profit of Allianz, 2012-2017
Comprehensive Loss Ratio of Allianz, 2012-2016
Operation of Allianz by Business, 2015-2017
Allianz’s Global Partners in the Automotive Industry
Optional UBI Index Libraries of IMS
UBI-based Auto Insurance Application Modules
BonusDrive APP
Insurance Application Steps of Insurethebox
Elements and Functions of Black Box
Advantages of InsuretheBox
Application of Risk Technology’s Telematics in Insurance Business
Claim Ratio of Risk Technology
Cases of Risk Technology in Score Evaluation
Revenue and Net Income of Progressive, 2011-2017
Mobile Phone APP Interface Diagram of Progressive's Snapshot Project
Progressive’s Telematics Box
Premium Income and Growth Rate of State Farm, 2010-2016
Promised Loss Ratio of State Farm, 2010-2016
Net Income of State Farm, 2010-2016
Usage Steps of DSS
Renewal Discounts between DSS Users and Non-DSS Users
Optional Discounts of State Farm
Premium Income and Net Income of Allstate, 2011-2017
Revenue of Allstate by Business, 2017
Quarterly Premium Income and Effective Policy Volume of Allstate, 2014-2017
Product Display of Allstate's DriveWise OBD
Service Contents on Allstate's Drivewise APP
Other Discounts on DriveWise
Main Business Distribution of Desjardins Insurance
Financial Position of Desjardins Insurance, 2013-2017
Revenue of Desjardins Insurance by Business, 2015-2017
Diagram of Ajusto Small Wireless Device
Ajusto Program with Telematics Device
Diagram of Ajusto Interface
Driving Scores vs. Preferential Margin of Desjardins Insurance
Revenue and Net Income of Hartford, 2012-2016
Revenue Structure of Hartford, 2016
Optional Discounts of Hartford’s Auto Insurance
Revenue of China Life Property & Casualty Insurance, 2015-2016
Revenue and Profit of China Life Property & Casualty Insurance by Coverage, 2016
Main Functions of Autofun Box
Revenue and Net Income of PICC P&C, 2012-2016
Insurance Amount, Premium Income and Profit of PICC P&C by Coverage, 2016
Revenue of Ping An by Business, 2015-2016
Revenue Structure of Ping An Insurance by Business, 2016
UBI Preferentials of I'chezaixian
Operating Revenue and Profit of Zhong An, 2014-2017
Operating Revenue of Zhong An by Coverage, 2014-2017
OBD Box of Baobiao Auto Insurance
Telematics Solutions for the Insurance Industry
3 APP Functional Modules of Autofun Box
UBI Business Architecture of Carsmart
Profile of Cihon
Main Function Modules of Cihon’s UBI Client
Calculation Methods of Cihon UBI
Profile of Cihon’s UBI
Profile of DiNA Technology
UBI Driving Behavior Scoring Factors of DiNA Technology
Diagram of Che Xing Zhe APP User Interface
Profile of PingJia Technology
Main Products and Functions of PingJia Technology
Big Data Solutions of PingJia Technology
UBI Model Development Process of PingJia Technology
Insurance Partners of PingJia Technology
Profile of Shenzhen Dingran Information Technology
Diagram of Lubi’s OBD Box
Diagram of Lubi’s APP Interface
Profile of Shenzhen Autonet
Business Model of Shenzhen Autonet
Cooperative Mode of Shenzhen Autonet, China Grand Auto and PICC P&C
Features and Service Process of Insurance by Day
Main Performance Parameters of Di Di Hu's Hardware Products
FRMS of Shenzhen Autonet
Profile of Launch Tech
Cooperative Enterprises of Launch Tech
Revenue and Net Income of Launch Tech, 2014-2017
Business Models of Launch Tech
Applications Based on golo Cloud Platform
Diagram of Enterprise Chain of MSD
Diagram of MSD OBD
Diagram of MSD APP
Screening of Driving Behavior Data and UBI Modeling
Workflow Chart of MSD UBI Service
Diagram of MSD Simplified Insurance Claim Flow
Diagram of Enterprise Chain of Renrenbao
Diagram of Mobile Chebao Interface
Diagram of Lichengbao's Interface
Diagram of Lichengbao's Purchase Interface
Diagram of Enterprise Chain of Deren Electronic
Deren Electronic's UBI Business Plans
Dedao TSP's Solution Path Diagram
Diagram of Dedao TSP's Intelligent Hardware T.30
Diagram of Dedao TSP's Intelligent Hardware PA54
Diagram of Dedao TSP's Application Service Platform
Strategic Partners of Zebra-Drive
Analysis Models of Zebra-Drive
Intelligent Driving System of Zebra-Drive
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