凯捷：2023年全球财产和意外伤害险报告（英文版）（32页）.pdf

1、In collaboration withWorld Report Series 2023Property and Casualty Insurance DRIVING GROWTH IN THE EVOLVING MOBILITY ECOSYSTEMFROM INSURING ASSETS TO PROTECTING MOBILITYIn collaboration withCONTENTSForeword 3Executive Steering Committee 2023 4Executive summary 5Mobility market evolution drives ACES

2、and multi-modal premium growth 6Shifting from auto insurance to mobility protection requires new business models 9Make the move from product developer to solution co-designer 19In conclusion 23Methodology 24Partner with Capgemini 25World Property and Casualty Insurance Report 20232FOREWORDAs the son

3、g goes,“Life is a highway.”And now,policyholders are in the drivers seat.Many own bicycles,cars,trucks,e-bikes,or two-or three-wheeled motorcycles.Others participate in co-worker driver pools.Some share bikes and cars,rent vehicles,and use public transportation.They are sensitive to fuel costs,parki

4、ng,repairs,and environmental impact.Yes,mobility is in flux,and insurers are feeling the impact.As policyholders become more aware of autonomous driving and multi-modal travel options,automotive manufacturers and Property and Casualty insurers are pragmatically switching gears.Insurers face transfor

5、mational challenges,and lucrative opportunities as a triple-zero future(zero congestion,zero emissions,zero crashes)looms large on the automotive radar screen.Our 2023 World Property and Casualty Insurance Report analysis found that consumers are enthusiastic about the evolution of transportation an

6、d the increasing array of mobility solutions-multi-modal,micro-mobile,and shared options.To seize mobility prospects,however,carriers must invest,strategize,prepare,and implement complex changes and adopt new business models.Many strategic insurers are already assessing embedded solutions and modula