AUTHORISATION

SECTION I
FUNDAMENTALS OF THE UBI MARKET
Similar concepts could be applied
also in motor, but a concrete
application in car insurance has to
take into consideration the
specifics of each individual
market and the fact that motor
insurance is fundamentally pricedriven.
So I believe that a reward system
c a n b e i m p l e m e n t e d a s a
differentiating factor in the
offering, in addition to a sound
behavioural pricing allowing
good drivers to get a benefit on
the premium of their insurance
policy.
© PTOLEMUS
What will be your preferred
m o d e l t o c o n n e c t t h e
automotive embedded device
to the insurance industry?
Direct one-to-one connections,
exclusive partnerships, data
hubs?
All main car manufacturers are
already adopting more and more
integrated and sophisticated onboard
multi-media systems.
This offers an increasing level of
interaction between drivers and
cars. It also gives the possibility of
collecting data directly from the
car and enables us to provide
additional value added services
to the final client/driver.
In this respect, we want to partner
with car makers by offering a
value proposition based on 2
pillars: focus on telematics,
providing a set of distinctive and
i n n o v a t i v e T P L a n d K a s ko
products leveraging technology
in order to deliver additional
services to drivers/client; focus on
prevention and safety, promoting
the adoption of safety features in
new cars and supporting OEMs in
CONSULTING GROUP
CANNOT BE
Interview performed on 7 th December 2015 by Frederic Bruneteau
DISTRIBUTED WITHOUT
PTOLEMUS’ PRIOR
WRITTEN
car development in order to
prevent accidents and improve
drivers’ safety.
The industry is expected to be
disrupted by Autonomous
Vehicles, where car makers are
likely to cover the largest part
of liabilities. What is Generali's
paradigm for auto insurance
2.0?
This is an important topic and
another challenge to face, even if
the driverless car shouldn’t
become mainstream in the short
run.
On the other hand, one trend that
we believe will impact car
insurance in the short term is the
shift from a model based on car
ownership to pure use (car
sharing, long term car rental, etc.).
AUTHORISATION
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