Future of Mobility Ecosystems - The role of insurers & telematics
summary
Insurers concede current motor cover still looks like a one‑year monolith while mobility shifts to shared fleets and on‑demand use; legacy IT (think AS400s), lack of modular product plumbing and fragmented data stores block change. Concrete moves: Baloise spins off Friday (2017) as a fast unit; Neodigital plans telematics tariffs. Adoption today is ~1% Germany / 22% Italy (regulation drives Italy); forecasts for 2030 range >25% to 50%+. Telematics works when paired with mobility services (pay‑as‑you‑drive, pay‑how‑you‑drive) and clear customer benefits, not when sold as insurance alone.
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