Ima at connected car insurance europe v2
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Connected mobility, connected insurance, services ! Interoperability , standards and experience = Key points for performance Usage base insurance , smart data for UBI , eCall = major outputs Cooperation , customer relationship , monitoring in cooperative ITS = the way !
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Ima at connected car insurance europe v2
- 1. « ConnectedMobility»and Insurance enhancedservices forsharedvalue! London, April 12th 2016
- 2. 2IMA Connected Services – London , April 12th 2016 IMAataglance(automotivesector) eCall & connected services
- 3. 3IMA Connected Services – London , April 12th 2016 Connected mobility (2015 figures-Europe) • 250 000 bCall (OBU, Box, Apps ) • 50 000 eCall (normative ) • 2.5 million roadside assistance INTEROPERABILITY & ACCREDITATIONS 1998 2003 20162008 20122010 201820131998 2014 STANDARDS eCall&Safety-relatedservices… IMA’sfeedbackofa20-yearexperience EXPERIENCE
- 4. 4IMA Connected Services – London , April 12th 2016 Connected services linkedtoinsurance ? 3 key points for automotive market
- 5. 5IMA Connected Services – London , April 12th 2016 1:Sharedmobily & mobilityasaservice Picture credit : MAIF Au-dace project / Zaleo 2016 Impact for the insurer ? YES New uses , new passengers (car pooling) change the initial declaration of the risk Remaining questions ? STILL How to quantify the risk (no historical data) ? Aggravation ? (number of passengers …) Reduction ? (behavioral impact of rating !) Meet consumer needs ? YES New practices lead to a need for enhanced services … Adapted body insurance and mobility insurance Guarantee of safe arrival in car pooling (assistance) Monitoring an end to end mobility in car sharing (assistance) …
- 6. 6IMA Connected Services – London , April 12th 2016 2:Smartdata…forsmartuse Impact for the insurers ? “AVERAGE” Consumer demand for “ATAWAD” services ? Remaining question : Collecting data what to do with ? 1. "Car centric" Log book, predictive maintenance 2. "Consumer centric" Who , what , where, when and How ? 3. Safety & Security services bCall, SVT, eCall, Panic alert … + crash notifier, “FNOL” 4. Anti-fraud services & accident reconstruction 5. Data for CRM and historical & predictive purposes Meet consumer needs ? YES If they integrate transparency , respect of privacy and bring additional value to the consumer !
- 7. 7IMA Connected Services – London , April 12th 2016 3:ImpactoftheeCalldeploymentonstakeholders! Mandatory eCall target Public safety Activity eCall triggering ? Insurance and Repair services markets Material accidents Light victims 200 000 Heavily injured 20 000 Fatalities 230 Million Light vehicles insured Impact for the insurers ? YES Consumer relationship at the time of the event ! Remaining question ? YES Who will handle the calls ? Meet consumer needs ? YES If … bringing end to end service in case of a crash ! Data Credit : Road safety in the European Union Trends, statistics and main challenges, March 2015 – European commission
- 8. 8IMA Connected Services – London , April 12th 2016 IMA‘sconviction : Buildingnewcooperations! A guarantee of shared and secured mobility
- 9. 9IMA Connected Services – London , April 12th 2016 Enhanced services for insurer & consumer • 2016 Get rid of the orange post on French toll motorways ! 1/ Simple : « plug & play » (12V) 2/ Secure : Compliant CEN 16102 + non intrusive 3/ Safety services including automatic & manual eCall , connnected assistance 4/ Basic data collection (soft tracking) • Towards 2018 eCall for the after-market IMA : The guarantee of shared & secured mobility
- 10. 10IMA Connected Services – London , April 12th 2016 Interoperability & TPS screening solution An open interoperable platform connected with … . Car manufacturers and insurers . PSAP . Roadside services . Motorway operators / Road operators and final consumers … IMA : The guarantee of shared & secured mobility
- 11. 11IMA Connected Services – London , April 12th 2016 From handling alertstomonitoringmobility… Interoperability, security, cooperations
- 12. 12IMA Connected Services – London , April 12th 2016 • eCall : Regulation is an accelerator for innovation (2% to 100% LV fitted) but beyond 112 SOS, eCall is an issue for customer relationship & accident management ! As a conclusion … IMA : The guarantee of shared & secured mobility • Security by design : Privacy & (cyber)security are major topics in connected mobility • Connected mobility means less accidents but more services (assistance & monitoring) • ITS* are building a bundle & cooperative ecosystem in mobility - smart cars, smart roads , smart cities. It is Insurance's responsibility to create the offer which matches it ! * ITS : Intelligent Transport Systems cf EC Directive 2010/40 EU
- 13. 13 Thank you for your attention ! Any questions ?