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Under the Insurance Telematics is about to erupt in the background, integrated into the vehicle by the manufacturer prior to installation obd machine system products ( pre- installed Telematics System ) will construct a high-end car networking , and Bluetooth or wifi on the APP after loading OBD products may form of an ordinary car networking presence . Both developments will certainly not be synchronized because of the depot , handset manufacturers , OBD + APP service providers in the development of rhythm a huge difference . But Threadcn.glisten.liu that: reach actuarial data requirements OBD product costs should be more than $ 50 , so, then we see on the market today, even in this most OBD OBD product in the spring and will not germination . After the auto insurance market liberalization and the implementation of Telematics differentiated rates will go from here ? The answer is self-evident , open and differentiated auto insurance policy rates will accelerate the roots Telematics . One year later, almost all of the updating of the new models will be pre-installed Telematics system, which will become the standard configuration models. Demand models do not have a lot to maintain these systems would spawn a huge Telematics aftermarket , with OBD + Mobile APP after loading machine without the aid of a low cost Telematics , these will accelerate the improvement of Telematics ecosystem. Open car insurance should be external and internal and full of other industries . Opening means an experienced multinational insurance companies wolf to come. Our insurance company over the past 20 years is sit back and relax , makes money , it is unfair to consumers . Auto insurance basically no difference, do not advertise , it is not normal. After the opening , auto insurance do advertising , which the media is a good thing . Our auto insurance open to foreign investment , internal , open to other sectors will accelerate , such as auto insurance sales Taobao good, I recently went to the United States by U.S. insurance companies also traveling by car insurance Taobao purchase. Traditional insurance company and the insurance internet Internet companies marriage will soon fall to the ground in the second half just rely on brand trust , not the network under the insurance policy will be able to force the customer line will subvert the current insurance business, " balance treasure" state-owned banks will shudder I believe that a new Internet-based thinking will make the traditional insurance products, insurance companies shudder . After the opening , the difference is actually the rate of price discrimination against users , but to discriminate against users, have to be classified , the classification must be based on the user 's understanding of the data , especially for large data analysis and mining, who will become the big data suppliers , who will be able to succeed in business . Only a handful of large insurance companies have the resources to get the owners conduct their own data as actuarial basis , most small insurance companies will rely on third-party access to the data. We can see that Europe and the U.S. insurance companies launch vehicle mileage -based user differentiated insurance products , can have 10 % of the insurance policy price differences. Currently doing insurance T products does not seem satisfied with merely rely on mileage data to the user for price discrimination. How to get 100,000 or 300,000 can monitor their driving behavior of the user in the case to protect user privacy , which is the next six months to one year for each OBD vehicle networking service provider or the dry matter . Entrepreneurial opportunities under this policy where is it ? To take advantage of this policy , the insurance and automotive after-market industry have such a number of new jobs to be prepared : First, to develop products must first master the vehicle data , and the other to be able to analyze these data, the categories of users, third, to be able to develop a reasonable price discrimination policies based on results of the analysis , which is to be developed based on the use of vehicles insured product, that is UBI. Fourth, insurance downstream industries , such as used cars , maintenance and other industries to adjust themselves to fit an existing market price discrimination - the highest and lowest rates of users who have special Chuxian commercial value . In the insurance companies, auto insurance rates under the background of differentiation to compete , the new chain will be born : Low collision loss of vehicle design --OBD/Telematics Product Development - User Data collection - UBI insurance product design - public assess damage - O2O services. In this chain , new industrial opportunities will be born : ( 1) The owner of the user data collection industry Earlier allowed to price discrimination, the usefulness of user data is not large , but once allowing price discrimination , the user data became the basis for the development of price discrimination , but it will increase the difficulty of collecting user data , such as user disguised as high-quality user help users camouflage will be a profitable thing. ( 2 ) user data analysis and application development industry Currently one of the few companies in the provision of such data engine services. The current actuarial basis is just the vehicle itself , once the required data related to individual owners and driving behavior data and analysis industry will provide a dramatic change , subdivision may be inevitable. Every aspect of data analysis and data applications are likely to be born oligopolistic companies, more engaged in data analysis and data applications start-up companies will have the opportunity , but the experience is not much to see these opportunities , but also have seen the implementation of force to implement much more . 3 ) Insurance Sales Industry In the absence of price discrimination under the state sell insurance is relatively simple once the existence of price discrimination , the existing auto insurance sales system will be reconstructed , each insurance company 's premium valuation system is based on the same data source or based on different data sources , this is where new business opportunities , but you can be sure that with the present marketing system is certainly different. ( 4 ) user driving behavior modification industry In order to avoid price discrimination , the user will have a strong personal driving behavior change to change the personal insurance needs of credit to meet this demand will make money . Either from the government or the insurance company should encourage this change, which is one of the policy change in mind. ( 5 ) low-speed vehicle collision preservation of property development No matter the size of the loss , the insurance companies are based on the prices of insurance prices to develop in the absence of price discrimination , the vehicle is involved in a low speed collision . However, price discrimination can exist under the circumstances, those " one hit on the break ," the car should pay higher premiums . In this case, the low-speed crash test and repair worth something. The experience of developed countries in this regard has to follow, but how to introduce China and localization issues. ( 6 ) After the market O2O docking Due to the natural Telematics Systems Internet genes , vehicle maintenance accident occurred after the recommendation is an important business opportunity. The current O2O rarely venture into the car networking piece of screen -based O2O phone screen is bound to penetrate into the car screen have more opportunities for innovation . ( 7 ) vehicle fault diagnosis online This is typical of B2B applications , there are already a large number of car networking developers pondering this business opportunity , but the current industry practice, the machine is unable to completely solve the problem of fault diagnosis . Establishment of an expert technical support team still has great commercial value , while the Shenzhen Dewey did not have to make things in the car but will value greater networking background . All in all, the entire insurance industry is built on the T on consumer behavior based on monitoring , focusing on the transfer of data from the previous model to the data of the vehicle , the driver concerned about the behavior of the data. Are able to monitor whether or not the vehicle behavior through OBD, such as the current real-time traffic each city is actually mounted on the aid of real-time taxi GPS data to calculate the future, if the vehicle is generally equipped with Telematics systems , depot mastered this system would be able to acquire more accurate traffic information . In addition to pre-installed Telematics system , installed after the vehicle OBD is the key to reading the other information , but the outbreak of the mobile Internet , making the original equipment on the vehicle must become less necessary data card , the owner of the mobile phone can become a data collection terminal equipment, with OBD Bluetooth or wifi capabilities into a wireless sensor. Differentiated rate policy the insurance company has collected data needs of users , users avoid the loss of demand , in this case , OBD for consumers , insurance companies have a sense , there is a demand there will be a pay- square . For the Internet economy , profit model should be based on the platform in the insurance vehicle networking on this platform , there must subsidize parties have been subsidized party . Obviously , insurance companies and mobile application developers should be subsidized party , the owner should be subsidized parties , insurance companies and mobile Internet application providers should subsidize the owners , such as providing OBD equipment, providing premium discounts , offers free or low-cost vehicle applications , encourage the use of OBD and applications. Contribution of vehicle data owners , insurance companies take to get user data to identify users, and application developers access to users. OBD users refuse to use because of the high cost of insurance and eventually be transformed , but the premise is transformed safe driving , which is conducive to the entire community , the government should be encouraged.
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