汽车保险的未来（英文版）-here&swiss_re

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1、ThefutureofmotorinsuranceHowcarconnectivityandADASareimpactingthemarketAjointwhitepaperbyHEREandSwissRe1每日免费获取报告1、每日微信群内分享5+最新重磅报告；2、每日分享当日华尔街日报；3、每周分享经济学人4、每月汇总1200+份当月重磅报告（增值服务）扫一扫二维码或加微信：qidianmax加入“起点财经”微信群，已有微信群的不用重复添加。备注：研究报告每日免费获取报告1、每日微信群内分享5+最新重磅报告；2、每日分享

2、当日华尔街日报；3、每周分享经济学人4、每月汇总1200+份当月重磅报告（增值服务）扫一扫二维码或加微信：qidianmax加入“起点财经”微信群，已有微信群的不用重复添加。备注：研究报告ContentsIntroduction5Themotorinsurancemarkettoday6Thegrowthofcarconnectivity9ThegrowthofADAS10ConsumerinterestincarconnectivityandADAS12Casestudy:theimplicationsofcarconn

3、ectivityandADAS13BusinessopportunitiesarisingfromcarconnectivityandADAS18Context-awareVehicleBehaviorAnalytics(VBA)2223IntroductionFortheautomotiveindustry,relativelylittlehaschangedoverthepastthreedecades–untilnow.Newdriverassistancetechnologiesandconnectedservic

4、esareusheringinawholenewworldofmo-toring.Inthisnewworld,thedriverhandsoverevergreaterresponsibilityforhisorherdrivingdecisionstothevehicle.Ontheroadtodaytherearealreadycarswithadvanceddriverassistancesystems(ADAS)suchaslane-keepingassistoremergencybrakingthatareed

5、gingusclosertoanautonomousfuture.Ourrelationshipwiththecarischanging,too.Carownershipisonthedecline,particularlyamongurbanmillennialsandothercitydwellers,aspeoplefactorintheperceivedhighcostofcarownershipaswellasalternativessuchasridehailingandcarsharing.Seemingly

6、,thecarisbecomingbutonenodeinabroadernetworkofavailabletransportoptions.Forbothinsurersandautomakers,thisupheavalintheautomotiveindustryandbroadermobilityecosystempresentsbothchallengesandopportunities.Inthiswhitepaper,HEREandSwissRehaveteameduptotakealookathowtwo

7、importantdevelopmentsinparticular–thegrowthofcarconnectivityandADAStake-rate–couldimpactthemarketforanddistribu-tionofmotorinsurance.Wefocusonthepotentialimplicationsofimprovedroadsafetyanddiscusshowcarconnectivitycouldcreateasystemofengagementaroundthecarwherethe

8、vehicleisnotmerelyameansofgettingfromAtoBbutaconduitfornewper-sonalizedservicesforcarownersandmobilityusersalike,inturncreatingnewbusinessopportunitiesf