Izindlela ezi-3 eziphawulekayo okulindeleke ukuthi ziqhubekisele phambili umbono wemakethe womshwalense osuselwe ekusetshenzisweni (UBI).

Umshwalense osuselwa ekusetshenzisweni (UBI) ubusiza izinkampani zomshwalense ukuthi zikhuthaze imikhuba yokushayela ephephile kumakhasimende asemasha. Lolu hlelo lubhekwa kabanzi ukuze lunikeze abashayeli imiklomelo kanye nezibonelelo zokunakekelwa okufanele kwezimoto nokushayela ngendlela efanele, okuzokhuthaza ubukhulu bemboni ye-UBI eminyakeni ezayo.

Kunokwenyuka kokuthathwa kwezinkundla ze-UBI yizinkampani zomshwalense ezehlukene ukuze zikwazi ukulandelela amaphethini okushayela ngokunembile futhi ziqondanise iprimiyamu yomshwalense nezingozi ezilinganiselwe. Izinkampani zomshwalense zibonwa zisebenzisana nabahlinzeki bezixazululo abambalwa ukusiza ukukhulisa inzuzo yezixazululo ezishumekiwe ze-telematics.

Cela ikhophi yesampula yalo mbiko @ https://www.gminsights.com/request-sample/detail/3020

Isibonelo, i-Car Security yamukele isitaki sobuchwepheshe be-telematics ye-CalAmp kanye nenkundla ye-CrashBox yamasevisi okulawula ubungozi bezimoto ngo-2017. Lokhu kwenziwa ukuze kwenziwe lula ukunikezwa kwezimoto ezixhunyiwe. Ngokusho kobambiswano, i-CalAmp kufanele ihlinzeke ngamathuluzi e-telematic ukuze kuthuthukiswe inqubo yokuphatha izimangalo ezinkampanini zomshwalense.

Okuhloliwe ngezansi amathrendi ambalwa azothinta umbono wemakethe yomshwalense osekelwe ekusetshenzisweni eminyakeni embalwa ezayo:

1) Ukwenyuka kokwamukelwa kwezinqubomgomo ze-PHYD phakathi kwabathengi

Amamodeli womshwalense we-Pay-How-You-Drive (PHYD) agxile ekuziphatheni kwamanje kokushayela ukuze ukwazi ukulungisa amaphrimiyamu omshwalense kuyilapho amamodeli omshwalense wendabuko ayesekelwe emlandweni wokushayela wangaphambilini. Imodeli yenqubomgomo ikhuthazwe kakhulu yizinkampani ukuze zingakukhuthazi ukushayela budedengu futhi iye yagqugquzela imikhuba yokushayela ephephile futhi enikeza izikhuthazo nemivuzo.

Inqubomgomo ye-PHYD isiza ekunciphiseni izehlakalo ezingalindelekile zokukhwabanisa nobungozi bezingozi futhi yehlisa izimangalo zomshwalense eziyenza ibe yinzuzo kubahlinzeki bomshwalense. Ingxenye yephakheji yomshwalense we-PHYD ibize ngaphezu kuka-70% wesabelo semakethe ye-UBI yomhlaba wonke ngenxa yokukhula kokuduma kwemodeli phakathi kwamakhasimende ngokunciphisa amaphrimiyamu omshwalense.

Isicelo sokwenza ngokwezifiso @ https://www.gminsights.com/roc/3020

Ukuhlanganiswa kwezinsizakalo ezahlukahlukene ezixhumene njengomshuwalense wokweba kanye nezinhlelo zempilo yezimoto kanye namaphakheji e-PHYD kuzosekela ukukhula kwemakethe ngokuzayo futhi kube nomthelela kumathrendi womshwalense asekelwe ekusetshenzisweni.

2) Ukuhlinzekwa kwezinhlelo zomshwalense ezisekelwe ku-smartphone

Amakhasimende abezuza kakhulu ezixazululweni ze-telematics ezifakwa ezimotweni zawo futhi zixhunywe kuma-smartphone awo ukuze akwazi ukuhlola isitayela sabo sokushayela kanye nokwenza izinguquko ezidingekayo ukuze kwehliswe amaphrimiyamu aphezulu. Izinkampani zomshwalense seziqalile ukusebenzisana nabahlinzeki bezixazululo zesoftware ukuze zikwazi ukuhlinzeka ngezinhlelo zomshwalense we-telematics ngokusekelwe kuma-smartphone ukuze zihlale zincintisana.

I-NJM Insurance Group ikhethe i-IMS yohlelo olusha lwetelematics yomshwalense olusekelwe kuma-smartphones ngo-2018. I-NJM isebenzisa ama-smartphone telematics we-IMS ukuze kuthuthukiswe ukuphepha phakathi kwabathengi ngokunikeza imiklomelo kubashayeli abaphephile kanye nokusebenzisa amaphuzu abashayeli. Ingxenye yobuchwepheshe be-smartphone izobona ukukhula okukhulu, ibhalise i-CAGR engaphezu kwama-35% ngonyaka wezi-2019-2026 ngenxa yokwamukelwa ngokushesha kwamadivayisi ama-smartphone kanye nezakhiwo zawo ezisebenziseka kalula.

3) Izimfuno ezikhulayo zezixazululo ze-UBI eziqhutshwa nge-telematics

Umkhakha wezimoto ubulokhu ubhekana noshintsho olukhulu ngokwethulwa njalo kobuchwepheshe besizukulwane esilandelayo. Kube nesidingo esibalulekile sezimoto zabagibeli ezifakwe izinkundla ezithuthukisiwe ezisekelwe kumakhalekhukhwini ezingaqapha imikhuba yokushayela futhi kamuva zivimbele ukwehluleka okungazelelwe.

Njengombiko i-European Commission ewushicilele ngo-2017, cishe amaphesenti angama-90 okuthengiswa kwezimoto ezintsha ngo-2020 kuzofaka amaphakheji e-telematics ashumekiwe. Ingxenye yezimoto zabagibeli ibibambe ingxenye enkulu yesabelo, esibalelwa ku-85% yenani eliphelele lemakethe ye-UBI ngo-2018 ngenxa yokuthengiswa okusheshayo kwezimoto ezintsha zabagibeli emhlabeni jikelele.

Abenzi bezimoto nezinkampani zomshwalense bezilokhu zigxile kakhulu ekuhlanganisweni kwezinhlelo zokuxhumana ezimotweni kanye ne-IoT ngenxa yoshintsho olusheshayo endaweni yezobuchwepheshe ngaphakathi kwemboni. Imishini yokuxhumana engaphakathi ibihlinzeka ngoxhumano lwesikhathi sangempela phakathi kwezinkampani zomshwalense kanye nemoto ukuze zithole umshwalense. Lokhu kubasiza ukuthi bahlonze izinkinga ezimotweni.

Bika okuqukethwe

Isahluko 1. Indlela yokwenza & Ububanzi

1.1. Indlela yokusebenza

1.1.1. Ukuhlolwa kwedatha kokuqala

1.1.2. Imodeli yezibalo kanye nesibikezelo

1.1.3. Imininingwane yemboni kanye nokuqinisekisa

1.1.4. Ububanzi

1.1.5. Incazelo

1.1.6. Indlela nemingcele yokubikezela

1.2. Imithombo Yedatha

1.2.1. Okuyinhloko

1.2.2. Okwesibili

1.2.2.1. Imithombo ekhokhelwayo

1.2.2.2. Imithombo yomphakathi

Isahluko 2. Isifinyezo Esiphezulu

2.1. UBI technology industry 360º synopsis, 2015-2026

2.1.1. Amathrendi ebhizinisi

2.1.2. Amathrendi esifunda

2.1.3. Amathrendi ephakheji

2.1.4. Izitayela zobuchwepheshe

2.1.5. Amathrendi ohlobo lwemoto

Isahluko 3. UBI technology industry Insights

3.1. Isingeniso

3.2. Ukuhlukaniswa kwemboni

3.3. Isimo semboni, 2015-2026

3.4. Ukuhlaziywa kwe-ecosystem yobuchwepheshe be-UBI

3.4.1. Izinkampani zomshuwalense

3.4.2. Abakhiqizi bezimoto

3.4.3. Abahlinzeki bezixazululo zeTelematics

3.4.4. Abahlinzeki be-Smartphone

3.4.5. Abahlinzeki bezinsizakalo zeTelecom

3.4.6. Abakhiqizi bedivayisi ye-OBD

3.4.7. Abasebenzisi bokugcina

3.5. Izinzuzo ze-UBI

3.6. Ukusebenza/Ukwakhiwa kobuchwepheshe be-UBI

3.7. Umkhakha wezobuchwepheshe nemisha emisha

3.7.1. I-IoT

3.7.2. I-AI nokufunda komshini

3.7.3. I-5G

3.7.4. Manage-How-You-Drive (MHYD)

3.8. Amazinga we-OBD

3.8.1. I-California Air Resources Board (CARB)

3.8.2. I-US Environmental Protection Agency (EPA) Amazinga Enjini Enzima

3.8.3. I-Society of Indian Automobile Manufacturers (SIAM)

3.8.4. I-European OBD Standards

3.8.5. OBD II Amazinga

3.8.6. I-China VI Emission Standards

3.9. I-landscape elawulayo

3.9.1. I-General Data Protection Regulation (GDPR), i-Europe

3.9.2. I-Telematics In-Vehicle USD Million (IVU) Functional and Technical Specification, Australia

3.9.3. Uhlaka lokuthobela kanye nokuphoqelela kwe-telematics yezimoto ezinzima, i-NTC Australia

3.9.4. I-CSA 2010 (Uhlelo Lokuthobela Nokuphoqelela), US

3.9.5. Umthetho Wezinga Lemboni Yezimoto (AIS-140).

3.10. Imboni yomthelela wamandla

3.10.1. Abashayeli bokukhula

3.10.1.1. Ukukhula kwemboni yezimoto

3.10.1.2. Ukushintsha ukugxila kubuchwepheshe bokuxilonga obukude

3.10.1.3. Ukukhula kwenani lezimoto ezixhunyiwe eziletha amathuba amasha e-UBI

3.10.1.4. Ukungena okukhulayo kwama-smartphones ahlanganiswe nezinhlelo zokuxhuma izimoto

3.10.1.5. Ukusetshenziswa okusheshayo kwe-UBI yizinkampani zomshwalense ukuthuthukisa inzuzo

3.10.1.6. Isitayela esikhulayo semodeli yomshuwalense we-Try-Before-You-Buy (TBYB).

3.10.2. Izingibe Nezinselele Zemboni

3.10.2.1. Ukuvikeleka kwedatha nokukhathazeka kobumfihlo

3.10.2.2. Izinkinga zekhwalithi yedatha ngohlelo lwe-UBI olusekelwe ku-smartphone

3.10.2.3. Ukwandisa izinkinga zokusebenzisana

3.11. Ukuhlaziywa kwePorter

3.11.1. Usongo lwabangeneli abasha

3.11.2. Usongo lwabangena esikhundleni

3.11.3. Amandla okuxoxisana omthengi

3.11.4. Amandla okuxoxisana omphakeli

3.11.5. Umbango wemboni

3.12. Ukuhlaziywa kwe-PESTEL

3.13. Ukuhlaziywa kwamandla okukhula

Thola ithebula elijulile lokuqukethwe @ https://www.gminsights.com/toc/detail/usage-based-insurance-ubi-market

LOKHO ONGAKUTHATHE KULESI SIHLOKO:

There is an increase in the uptake of UBI platforms by various insurance companies so that they are able to track the driving patterns accurately and align the insurance premium with the estimated risks.
Customers have been largely benefitting from the telematics solutions that are installed in their vehicles and connected to their smartphones to be able to evaluate their driving style as well as make necessary modifications for the reduction of high premiums.
The passenger car segment had held a majority of the share, accounting for about 85% of total UBI market size in 2018 owing to the accelerated sale of new passenger vehicles worldwide.