Strategic Analysis of the European Market for Telematics Based Pay As You Drive Car Insurance Systems
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1 Strategic Analysis of the European Market for Telematics Based Pay As You Drive Car Insurance Systems Mini Report January 2008
2 Table of Contents Concept of Telematics Based Car Insurance Key Objectives Behind Telematics Based Car Insurance Key Market Challenges Key Market Drivers Key Market Restraints Market Size Analysis Competitive Scenario Analysis Key Market Conclusions Frost & Sullivan Telematics and Infotainment Research Expertise Key Contact Details 2
3 Concept of Telematics Based Car Insurance - A Model that Targets Specific Driver Groups Concept of Telematics Based Car Insurance System Risk-groups are based on driving behaviour Multiple suppliers involved GPS based track and trace Telematics based Insurance System PAYD -First Product in Europe Mileage and time of the day form the key The concept works on three main parameters on a top level - when you drive, where you drive and how you drive The product is a GPS based model that uses track and trace technology to decipher tariff for the route traversed. A GPS black box installed in the car along with a GSM module will help transfer data stored in the system to a remote data center This is then compared with the pre-designated tariff table to arrive at the insurance premium. As the premium varies from journey to journey, the name is pay as you drive Apart from route taken and time of the day driven, other regular parameters like make of the car, age of the driver are also included for premium calculation The system incorporates different risk groups based on age and driving behaviour. This forms the key towards tariff calculation System involves cooperation of multiple suppliers from telecommunication, data storage and security, insurance provider, GPS and GSM equipment providers 3
4 Key Objectives Behind Telematics Based Car Insurance - Model Achieves Better Road Safety and Cost Saving for Low-mileage Drivers Telematics Based Pay As You Drive Car Insurance Systems: Key Objectives Emission reduction Integrate other Telematics features Minimise insurance frauds Increased safety on roads Guaranteed cost saving for low-risk and low-mileage drivers Low-mileage drivers save a minimum of 25% on their annual premium bills thus giving them a clear usecase Higher tariff for young drivers (age 18-24) during late nights aims at improving safety on city roads ecall, Stolen vehicle tracking and diagnostics are some of the other telematics features that are of high utility value that can be integrated onto a telematics based insurance system 4
5 Key Market Challenges - Biggest Task for Insurance Suppliers is to Encompass High-mileage Drivers 10 Telematics Based Pay As You Drive Car Insurance Systems: Key Challenges, Europe Rating 5 0 To convince end users to invest in telematics based insurance system as initial set-up cost is higher Data security is a key issue as hacking is always a problem in such systems Sat Nav jammer is potential threat as the device virtually blocks all mileage information from being transferred through GPRS Integration of insurance with other telematics features and possibly navigation Convincing high mileage driving groups to subscribe to PAYD Key Challenge includes data security and threat posed by the sat-nav jammer. While hacking could potentially corrupt all journey data collected, sat-nav jammer is a device that blocks GPS from working and thus erases any chance of recording the journey Since the Pay As You Drive (PAYD) vehicle insurance model results in higher monthly premiums for high mileage drivers especially driving during peak traffic hours and mid night driving, convincing them will be the biggest challenge for insurance companies 5
6 Market Drivers - Potential Savings on Annual Premium is the Key Driving Factor Market Drivers Telematics Based Pay As You Drive Car Insurance Systems: Key Market Drivers, Europe Potential Savings in Annual Premium for the consumer Reduced claims for damages on road as mileage clocked is reduced Added benefits like ecall facility and Stolen vehicle tracking Increasing effect of global warming Insurance frauds will disappear The PAYD system offers a good opportunity to save on annual premium for certain section of drivers. This in particular refers to low-mileage drivers and young drivers (defined as the age group of 18-24) Norwich Union, the only commercially available product proved in their pilot tests on 5000 drivers that more than 25% of the volunteers saved at least 30% of their average annual premium As the risk zones and times of the day are pre-defined, commuters are well aware of the liability they would face if they were to come within those defined boundaries. Hence, Frost & Sullivan believes that there will be a general tendency to avoid driving in risk zones and times and hence improved safety 6
7 Market Restraints - High-Mileage Drivers Stand to Lose if they Opt for PAYD Telematics Based Pay As You Drive Car Insurance Systems: Key Market Restraints, Europe Market Restraints Infringement of privacy is the biggest stumbling block High mileage drivers do not have any benefit from the system Legislation that might demand making accident data as mandatory Tampering of hardware is a potential threat to the system Data protection act that disallows sharing of data Tracking one s daily movements for a potential 25% saving may not find favor with customers who regard privacy as extremely important. Insurance companies face a potential restraint as the system s basic principle is to keep track of its customers through a GPS black box The system is not beneficial for high mileage drivers in terms of saving on annual premium. This accounts for all drivers who drive long distances to work and home regularly. Insurance companies will find this a gap that has to be filled Data protection is strong in many of the European countries and this may act as a potential threat to setting up the system in countries like France where the law is in favorable of the driver. Conventional insurance does not have any such hassles in the system 7
8 Market Size Analysis (Total Europe) - Market Likely to be Influenced by Growth of Overall GPS Sales Telematics Based Pay As You Drive Car Insurance Systems: Market Size and Forecasts, (Europe), Millions 7 6 Market size (units) optimistic scenario conservative scenario Year The parameters which will impact market growth EC voluntary agreement on ecall implemented by September 2010 Increasing adoption of GPS into the vehicles for enabling different telematics features Newer insurance companies entering the market space towards end of 2010 Market to take off beyond 2009 at a time when companies like WGV, Allianz, AXA and Zurich would have completed their pilot testing and be ready with market ready systems 8
9 Competitive Scenario Analysis - Safety Drive by EU Among Other Factors Influencing Introduction of the Concept Telematics Based Pay As You Drive Car Insurance Systems: Current Competitive Scenario (Europe), 2007 Insurer Norwich Union Zurich Allianz Royal & Sun Alliance AXA Unipol Mapfre WGV Partnering Companies O2, Tera Data, Traffic master, Intech Agents A.G. Proprietary (not looking for any partners) -NA- Winterthur Octotelematics (Metasystem) IBM HP, Oracle Launch Date of Product (Launched/Expected) Launched in 2006 Expected 2009 Expected 2010 Expected 2009 Launch date yet to be finalised Launched in 2007 Expected launch in 2010 Expected 2009 Interesting aspect is that along with typical telematics suppliers like agentes, Trafficmaster and Octotelematics some other consulting companies like IBM are also involved in the concept for developing the business model 2009 and 2010 are expected to be the key years for this market because of the launch of many new PAYD models by other insurance companies 9
10 Key Market Conclusions - Cascading Effect of Each Market Development Keeping the Progress of PAYD in Check Telematics Based Pay As You Drive Car Insurance Systems: Key Market Conclusions (Europe), 2007 ecall expected to be offered as option by all vehicle manufacturers post late 2010 as part Of voluntary agreement PAYD adds a great deal of utility value to the in-car telematics package Conclusions Physical tampering of device and protecting data from hacking are key challenges. Sat-Nav Jammer is a potential threat Zurich, WGV, Royal & Sun Alliance, AXA and Norwich Union to have their own systems for the European market UK, Italy and Spain are the countries where PAYD projects are in active progress towards commercialisation Norwich Union s pilot tests prove that solution saves premium costs but only for low-mileage drivers 10
11 Frost & Sullivan Telematics and Infotainment Research Expertise Existing Research Content Strategic Analysis of European market for Telematics Based PAYD car Insurance Systems Jul 2007 European Light Commercial Vehicle Telematics Systems Market Sep 2007 Strategic Analysis of Continental Telematics Business Unit Jul 2007 Global Trend Analysis of the Telematics and Infotainment Market Jul 2007 Intelligent Transportation Systems/Tolling/ Road User Charging / GPS Navigation Sys China Infotainment Market Interior Modules & Sys Wireless Communication / Bluetooth CV Telematics RVD Existing Strategic Re-evaluation of European Telematics and Infotainment Market May 2007 Strategic Analysis of New Entrants in the European Market for PNDs Dec 2006 European Commercial Vehicle Telematics Systems Market Oct 2006 Consumer Desirability and Willingness to Pay for Navigation Systems and Features Aug 2006 Strategic Analysis of the European OE Market for Car Audio Systems Sep 2006 Strategic Analysis of Standard Software Platform for Telematics and Infotainment Apr 2006 Strategic Analysis of Wireless Technologies for Automotive Applications Dec 2005 Analysis of the European Aftermarket for Telematics & Infotainment Systems Dec 2005 Analysis of the European OE Market for Telematics & Infotainment Mar
12 Frost & Sullivan Telematics and Infotainment Research Expertise Upcoming Research Content Strategic Analysis of European Market for ecall and bcall Systems Strategic Analysis of Off Board Navigation and LBS Market in Europe European Telematics and Infotainment Market Strategic Review of Developments in 2007 Intelligent Transportation Systems/Tolling/ Road User Charging / GPS Navigation Sys China Infotainment Market Interior Modules & Sys Wireless Communication / Bluetooth CV Telematics RVD Forthcoming Strategic Analysis of the global market for In-Vehicle Multimedia Entertainment Systems European CV Telematics Market Strategic Analysis of Service and Subscription Model European OE and Aftermarket Integrated Infotainment Platform Systems European Market for Wireless Technologies for Automotive Applications Strategic Analysis of European Market for ADAS Systems using Digital Maps Strategic Analysis of European Automotive Market for Vehicle Display Systems European Automotive Market for Reception Technologies like DAB, DVB, DMB and DRM 12
13 Key Contact Details For any further information on this research or any other research in the area of Telematics and Infotainment, please don t hesitate to contact us. Following are our contact details Ivelisse Lopez Business Development Director Automotive & Transportation ivelisse.lopez@frost.com Tel : +44 (0) Franck Leveque Program Director Head of Consulting Automotive & Transportation Franck.leveque@frost.com Tel : +44 (0) Cyril Cromier European Sales Director Automotive & Transportation cyril.cromier@frost.com Tel : +33 (1) Praveen Chandrasekar Industry Manager Telematics and Infotainment cpraveen@frost.com Tel :
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