Usage-Based Insurance Market by Service Type (Pay-As-You-Drive (PAYD), Pay-How-You-Drive (PHYD), and Manage-How-You-Drive (MHYD)) and Technology (OBD-II, Smartphone, Hybrid, and Black-Box): Global Opportunity Analysis and Industry Forecasts, 2014 - 2022
Usage-Based Insurance Market is expected to garner $123 billion by 2022, registering a CAGR of 36.4% during the forecast period 2016-2022. Factors driving the usage-based insurance market include flexible insurance premium, lower accident & vehicle theft possibilities, accurate & timely data collection, and lower fuel consumption.
Usage-based insurance (UBI) is a telematics-based insurance service in which premiums are based on driving behavior of consumers. Type of road used, braking, and cornering pattern are amongst the factors according to which the premiums are charged. Usage-based insurance includes different services such as pay-as-you-drive (PAYD), pay-how-you-drive (PHYD), and manage-how-you-drive (MHYD).
Players have adopted partnership and expansion as their key strategies to increase their market share. For instance, Progressive Corporation, entered into a partnership with Zubie, a U.S. based telematics solution provider. Local companies, such as Admiral Group plc, Allstate Corporation and others primarily in developed markets, offer tough competition to the established players. Privacy concerns and increase in telematics installation cost have posed major challenges for manufacturers. The key developmental strategies adopted by the companies are discussed in the report.
Segment Review:
The global usage-based insurance market is segmented based on type, technology, and geography. The segmentation by type includes pay-as-you-drive (PAYD), pay-how-you-drive (PHYD), and manage-how-you-drive (MHYD). On the basis of technology, the market is divided into OBD-II, smartphone, hybrid, and black-box.
Manage-how-you-drive (MHYD) segment is anticipated to grow at the fastest rate during the forecast period, as it provides higher level of flexibility and freedom to the customers. In terms of technology, Black Box dominates the market, accounting for over 60% of the total market revenue. From a growth perspective, smartphone technology is projected to exhibit the highest CAGR over the forecast period.
Geographically, the market is classified into North America (U.S. and Rest of North America), Europe (Italy, UK, Germany, France and Rest of Europe) Asia-Pacific (Japan, Australia and Rest of Asia-Pacific), and LAMEA (Africa and Rest of LAMEA). Presently, Europe is the highest Usage-based insurance market, compared to other geographies.
European countries such as Italy, have high adoption of Usage-based insurance trend. In 2015, Italy usage-based insurance market accounted for one-third of the global usage-based insurance market revenue. The industry in the country is expected to grow at a CAGR of 33.6% during 2016-2022.
GLOBAL USAGE-BASED INSURANCE MARKET: TOP IMPACTING FACTORS
Lower accident and vehicle theft possibilities
Telematics-based insurance lowers the chances of accident and vehicle theft as it monitors the driving behavior, supplementing the growth of the market. It is capable of detecting the lost or stolen vehicles through GPS in the telematics device connected to the vehicle. These factors are anticipated to increase the demand for telematics-based insurance in the near future.
High telematics installation cost
Usage-based insurance service is completely dependent on telematics device. Telematics installation is a high-technology process and its cost is projected to increase in the coming years. This is anticipated to increase the operating expense of UBI service providers, restraining the market growth. However, smartphone based telematics services are anticipated to gain popularity due to their relatively lower cost.
Technological advancement
Technological advancement is projected to fuel the growth of usage-based insurance industry during the forecast period, making the process easier with reduced service rate. Smartphone and hybrid technology based solutions play an important role in driving the market growth. According to the market study, the U.S. household participation in UBI policies increased from 13% in 2013 to 20% in 2015.
USAGE-BASED INSURANCE MARKET: TOP WINNING STRATEGIES
Key market players have implemented various strategies such as partnership, acquisition, and expansion to gain competitive advantage and a stronger base in the market. For instance, prominent players such as Progressive Corporation, Desjardins Group, and Allianz SE have made multiple partnerships and acquisitions to increase their market presence. Other strategies include product differentiation to attract new customers.
The companies profiled in the report are Allianz SE, AXA S.A., Insure The Box Ltd., Progressive Corporation, Allstate Corporation, Desjardins Insurance, Generali group, Mapfre S.A., Metromile, and Aviva plc. Other players in the value chain include Admiral Group Plc., Ageas S.A. /NV, AI Insurance Holdings Pty Ltd., Aioi Nissay Dowa Insurance (ADI), Allstate Corporation, and Box Innovation Group Ltd. (Not profiled in the report).
KEY BENEFITS
BY TYPE
Usage-based insurance (UBI) is a telematics-based insurance service in which premiums are based on driving behavior of consumers. Type of road used, braking, and cornering pattern are amongst the factors according to which the premiums are charged. Usage-based insurance includes different services such as pay-as-you-drive (PAYD), pay-how-you-drive (PHYD), and manage-how-you-drive (MHYD).
Players have adopted partnership and expansion as their key strategies to increase their market share. For instance, Progressive Corporation, entered into a partnership with Zubie, a U.S. based telematics solution provider. Local companies, such as Admiral Group plc, Allstate Corporation and others primarily in developed markets, offer tough competition to the established players. Privacy concerns and increase in telematics installation cost have posed major challenges for manufacturers. The key developmental strategies adopted by the companies are discussed in the report.
Segment Review:
The global usage-based insurance market is segmented based on type, technology, and geography. The segmentation by type includes pay-as-you-drive (PAYD), pay-how-you-drive (PHYD), and manage-how-you-drive (MHYD). On the basis of technology, the market is divided into OBD-II, smartphone, hybrid, and black-box.
Manage-how-you-drive (MHYD) segment is anticipated to grow at the fastest rate during the forecast period, as it provides higher level of flexibility and freedom to the customers. In terms of technology, Black Box dominates the market, accounting for over 60% of the total market revenue. From a growth perspective, smartphone technology is projected to exhibit the highest CAGR over the forecast period.
Geographically, the market is classified into North America (U.S. and Rest of North America), Europe (Italy, UK, Germany, France and Rest of Europe) Asia-Pacific (Japan, Australia and Rest of Asia-Pacific), and LAMEA (Africa and Rest of LAMEA). Presently, Europe is the highest Usage-based insurance market, compared to other geographies.
European countries such as Italy, have high adoption of Usage-based insurance trend. In 2015, Italy usage-based insurance market accounted for one-third of the global usage-based insurance market revenue. The industry in the country is expected to grow at a CAGR of 33.6% during 2016-2022.
GLOBAL USAGE-BASED INSURANCE MARKET: TOP IMPACTING FACTORS
Lower accident and vehicle theft possibilities
Telematics-based insurance lowers the chances of accident and vehicle theft as it monitors the driving behavior, supplementing the growth of the market. It is capable of detecting the lost or stolen vehicles through GPS in the telematics device connected to the vehicle. These factors are anticipated to increase the demand for telematics-based insurance in the near future.
High telematics installation cost
Usage-based insurance service is completely dependent on telematics device. Telematics installation is a high-technology process and its cost is projected to increase in the coming years. This is anticipated to increase the operating expense of UBI service providers, restraining the market growth. However, smartphone based telematics services are anticipated to gain popularity due to their relatively lower cost.
Technological advancement
Technological advancement is projected to fuel the growth of usage-based insurance industry during the forecast period, making the process easier with reduced service rate. Smartphone and hybrid technology based solutions play an important role in driving the market growth. According to the market study, the U.S. household participation in UBI policies increased from 13% in 2013 to 20% in 2015.
USAGE-BASED INSURANCE MARKET: TOP WINNING STRATEGIES
Key market players have implemented various strategies such as partnership, acquisition, and expansion to gain competitive advantage and a stronger base in the market. For instance, prominent players such as Progressive Corporation, Desjardins Group, and Allianz SE have made multiple partnerships and acquisitions to increase their market presence. Other strategies include product differentiation to attract new customers.
The companies profiled in the report are Allianz SE, AXA S.A., Insure The Box Ltd., Progressive Corporation, Allstate Corporation, Desjardins Insurance, Generali group, Mapfre S.A., Metromile, and Aviva plc. Other players in the value chain include Admiral Group Plc., Ageas S.A. /NV, AI Insurance Holdings Pty Ltd., Aioi Nissay Dowa Insurance (ADI), Allstate Corporation, and Box Innovation Group Ltd. (Not profiled in the report).
KEY BENEFITS
- This report provides insights on current and future usage-based insurance industry trends and revenue forecast for 2016–2022.
- Market intelligence for key developmental strategies adopted by established brands are explained with impact analysis.
- This report provides a practical evaluation of key market drivers and restraints for global usage-based insurance market by type and technology.
- This report emphasizes on key factors that affect the growth of the market and reveals the influencing factors to capitalize on.
BY TYPE
- Pay-As-You-Drive (PAYD)
- Pay-How-You-Drive (PHYD)
- Manage-How-You-Drive (MHYD)
- OBD-II
- Smartphone
- Hybrid
- Black-Box
- North America
- U.S.
- Rest of North America
- Europe
- ItalyUK
- Germany
- France
- Rest of Europe
- Asia-Pacific
- Japan
- Australia
- Rest of Asia-Pacific
- LAMEA
- Africa
- Rest of LAMEA
- Allianz SE
- AXA S.A.
- Insure The Box Ltd
- Progressive Corporation
- Allstate Corporation
- Desjardins Insurance
- Generali Group
- Mapfre S.A.
- Metromile
- Aviva plc.
- Admiral Group Plc.
- Ageas S.A./NV
- AI Insurance Holdings Pty Ltd.
- Aioi Nissay Dowa Insurance (ADI)
- Allstate Corporation
- Box Innovation Group Ltd.
CHAPTER 1 INTRODUCTION
1.1 Report Description
1.2 Key Benefits
1.3 Key Market Segments
1.4 Research Methodology
1.4.1 Secondary Research
1.4.2 Primary research
1.4.3 Analyst tools and models
CHAPTER 2 EXECUTIVE SUMMARY
2.1 Executive Summary
2.2 CXO Perspective
CHAPTER 3 MARKET OVERVIEW
3.1 Market Definition and Scope
3.2 Key Findings
3.2.1 Top Impacting Factors of the Usage Based Insurance Market
3.2.2 Top Winning Strategies in Usage-Based Insurance Market, 2012-2016
3.2.3 Top Investment Pockets
3.3 Value Chain Analysis
3.4 Porters Five Forces Analysis
3.4.1 High bargaining power of buyers due to small set of buyers and rising demand for innovative products
3.4.2 Moderate bargaining power of suppliers due to increasing global demand for advanced telematics solution
3.4.3 High threat of substitutes due to insurance products offered by other insurance companies
3.4.4 High threat of new entrants due to rapid industry growth
3.4.5 High competition amongst rivals due to increasing number of Players in the small market
3.5 Market Players Positioning, 2015(%)
3.6 Drivers
3.6.1 Accurate and timely data collection
3.6.2 Flexible insurance premiums
3.6.3 Lower accident and vehicle theft possibilities
3.6.4 Lower fuel consumption
3.7 Restraints
3.7.1 Privacy concerns
3.7.2 High telematics installation costs
3.8 Opportunities
3.8.1 Technological advancement
3.8.2 Increasing concern regarding driver safety
CHAPTER 4 GLOBAL USAGE BASED INSURANCE MARKET BY TYPE
4.1 Pay-As-You-Drive (PAYD)
4.1.1 Key market trends
4.1.2 Key growth factors and opportunities
4.1.3 Market size and forecast
4.2 Pay-How-You-Drive (PHYD)
4.2.1 Key market trends
4.2.2 Key growth factors and opportunities
4.2.3 Market size and forecast
4.3 Manage-How-You-Drive (MHYD)
4.3.1 Key market trends
4.3.2 Key growth factors and opportunities
4.3.3 Market size and forecast
CHAPTER 5 GLOBAL USAGE BASED INSURANCE MARKET BY TECHNOLOGY
5.1 OBD-II- based UBI programs
5.1.1 Key market trends
5.1.2 Key growth factors and opportunities
5.1.3 Market size and forecast
5.2 Smartphone-based UBI programs
5.2.1 Key market trends
5.2.2 Key growth factors and opportunities
5.2.3 Market size and forecast
5.3 Hybrid-based UBI programs
5.3.1 Key market trends
5.3.2 Key growth factors and opportunities
5.3.3 Market size and forecast
5.4 Black-box-based UBI programs
5.4.1 Key market trends
5.4.2 Key growth factors and opportunities
5.4.3 Market size and forecast
CHAPTER 6 GLOBAL USAGE BASED INSURANCE MARKET BY GEOGRAPHY
6.1 North America
6.1.1 Key market trends
6.1.2 Key growth factors, restraints and opportunities
6.1.3 Market size and forecast
6.1.4 U.S.
6.1.4.1 Market size and forecast
6.1.5 Rest of North America
6.1.5.1 Market size and forecast
6.2 Europe
6.2.1 Key market trends
6.2.2 Key growth factors, restraints and opportunities
6.2.3 Market size and forecast
6.2.4 Italy
6.2.4.1 Market size and forecast
6.2.5 UK
6.2.5.1 Market size and forecast
6.2.6 France
6.2.6.1 Market size and forecast
6.2.7 Germany
6.2.7.1 Market size and forecast
6.2.8 Rest of Europe
6.2.8.1 Market size and forecast
6.3 Asia-Pacific
6.3.1 Key market trends
6.3.2 Key growth factors, restraints and opportunities
6.3.3 Market size and forecast
6.3.4 Japan
6.3.4.1 Market size and forecast
6.3.5 Australia
6.3.5.1 Market size and forecast
6.3.6 Rest of Asia-Pacific
6.3.6.1 Market size and forecast
6.4 Latin America, Middle East and Africa (LAMEA)
6.4.1 Key market trends
6.4.2 Key growth factors, restraints and opportunities
6.4.3 Market size and forecast
6.4.4 Africa
6.4.4.1 Market size and forecast
6.4.5 Rest of LAMEA
6.4.5.1 Market size and forecast
CHAPTER 7 COMPANY PROFILES
7.1 Allianz SE
7.1.1 Company overview
7.1.2 Company snapshot
7.1.3 Operating segments
7.1.4 Business performance
7.1.5 Key strategic moves & developments
7.2 AXA Group
7.2.1 Company overview
7.2.2 Company snapshot
7.2.3 Operating segments
7.2.4 Business performance
7.2.5 Key strategic moves & developments
7.3 Insure The Box
7.3.1 Company overview
7.3.2 Company snapshot
7.3.3 Business performance
7.3.4 Key strategic moves and developments
7.4 Progressive Corporation
7.4.1 Company overview
7.4.2 Company snapshot
7.4.3 Operating business segments
7.4.4 Business performance
7.4.5 Key strategic moves and developments
7.5 Allstate Corporation
7.5.1 Company overview
7.5.2 Company snapshot
7.5.3 Operating business segments
7.5.4 Business performance
7.6 Desjardins Group
7.6.1 Company overview
7.6.2 Company snapshot
7.6.3 Operating business segment
7.6.4 Business performance
7.6.5 Key strategic moves and developments
7.7 Generali Group
7.7.1 Company overview
7.7.2 Company snapshot
7.7.3 Operating business segment
7.7.4 Business performance
7.7.5 Key strategic moves and developments
7.8 Mapfre S.A
7.8.1 Company overview
7.8.2 Company snapshot
7.8.3 Operating business segment
7.8.4 Business performance
7.8.5 Key strategic moves and developments
7.9 Metromile Inc.
7.9.1 Company overview
7.9.2 Company snapshot
7.9.3 Operating business segment
7.9.4 Business performance
7.9.5 Key strategic moves and developments
7.10 Aviva Plc.
7.10.1 Company overview
7.10.2 Operating business segment
7.10.3 Business performance
Other players in the value chain include:
Admiral Group plc.
Ageas S.A. /NV
AI Insurance Holdings Pty Ltd.
Aioi Nissay Dowa Insurance (ADI)
Allstate Corporation
Box Innovation Group Ltd.
Profiles of these players are not included. The same will be included on request.
1.1 Report Description
1.2 Key Benefits
1.3 Key Market Segments
1.4 Research Methodology
1.4.1 Secondary Research
1.4.2 Primary research
1.4.3 Analyst tools and models
CHAPTER 2 EXECUTIVE SUMMARY
2.1 Executive Summary
2.2 CXO Perspective
CHAPTER 3 MARKET OVERVIEW
3.1 Market Definition and Scope
3.2 Key Findings
3.2.1 Top Impacting Factors of the Usage Based Insurance Market
3.2.2 Top Winning Strategies in Usage-Based Insurance Market, 2012-2016
3.2.3 Top Investment Pockets
3.3 Value Chain Analysis
3.4 Porters Five Forces Analysis
3.4.1 High bargaining power of buyers due to small set of buyers and rising demand for innovative products
3.4.2 Moderate bargaining power of suppliers due to increasing global demand for advanced telematics solution
3.4.3 High threat of substitutes due to insurance products offered by other insurance companies
3.4.4 High threat of new entrants due to rapid industry growth
3.4.5 High competition amongst rivals due to increasing number of Players in the small market
3.5 Market Players Positioning, 2015(%)
3.6 Drivers
3.6.1 Accurate and timely data collection
3.6.2 Flexible insurance premiums
3.6.3 Lower accident and vehicle theft possibilities
3.6.4 Lower fuel consumption
3.7 Restraints
3.7.1 Privacy concerns
3.7.2 High telematics installation costs
3.8 Opportunities
3.8.1 Technological advancement
3.8.2 Increasing concern regarding driver safety
CHAPTER 4 GLOBAL USAGE BASED INSURANCE MARKET BY TYPE
4.1 Pay-As-You-Drive (PAYD)
4.1.1 Key market trends
4.1.2 Key growth factors and opportunities
4.1.3 Market size and forecast
4.2 Pay-How-You-Drive (PHYD)
4.2.1 Key market trends
4.2.2 Key growth factors and opportunities
4.2.3 Market size and forecast
4.3 Manage-How-You-Drive (MHYD)
4.3.1 Key market trends
4.3.2 Key growth factors and opportunities
4.3.3 Market size and forecast
CHAPTER 5 GLOBAL USAGE BASED INSURANCE MARKET BY TECHNOLOGY
5.1 OBD-II- based UBI programs
5.1.1 Key market trends
5.1.2 Key growth factors and opportunities
5.1.3 Market size and forecast
5.2 Smartphone-based UBI programs
5.2.1 Key market trends
5.2.2 Key growth factors and opportunities
5.2.3 Market size and forecast
5.3 Hybrid-based UBI programs
5.3.1 Key market trends
5.3.2 Key growth factors and opportunities
5.3.3 Market size and forecast
5.4 Black-box-based UBI programs
5.4.1 Key market trends
5.4.2 Key growth factors and opportunities
5.4.3 Market size and forecast
CHAPTER 6 GLOBAL USAGE BASED INSURANCE MARKET BY GEOGRAPHY
6.1 North America
6.1.1 Key market trends
6.1.2 Key growth factors, restraints and opportunities
6.1.3 Market size and forecast
6.1.4 U.S.
6.1.4.1 Market size and forecast
6.1.5 Rest of North America
6.1.5.1 Market size and forecast
6.2 Europe
6.2.1 Key market trends
6.2.2 Key growth factors, restraints and opportunities
6.2.3 Market size and forecast
6.2.4 Italy
6.2.4.1 Market size and forecast
6.2.5 UK
6.2.5.1 Market size and forecast
6.2.6 France
6.2.6.1 Market size and forecast
6.2.7 Germany
6.2.7.1 Market size and forecast
6.2.8 Rest of Europe
6.2.8.1 Market size and forecast
6.3 Asia-Pacific
6.3.1 Key market trends
6.3.2 Key growth factors, restraints and opportunities
6.3.3 Market size and forecast
6.3.4 Japan
6.3.4.1 Market size and forecast
6.3.5 Australia
6.3.5.1 Market size and forecast
6.3.6 Rest of Asia-Pacific
6.3.6.1 Market size and forecast
6.4 Latin America, Middle East and Africa (LAMEA)
6.4.1 Key market trends
6.4.2 Key growth factors, restraints and opportunities
6.4.3 Market size and forecast
6.4.4 Africa
6.4.4.1 Market size and forecast
6.4.5 Rest of LAMEA
6.4.5.1 Market size and forecast
CHAPTER 7 COMPANY PROFILES
7.1 Allianz SE
7.1.1 Company overview
7.1.2 Company snapshot
7.1.3 Operating segments
7.1.4 Business performance
7.1.5 Key strategic moves & developments
7.2 AXA Group
7.2.1 Company overview
7.2.2 Company snapshot
7.2.3 Operating segments
7.2.4 Business performance
7.2.5 Key strategic moves & developments
7.3 Insure The Box
7.3.1 Company overview
7.3.2 Company snapshot
7.3.3 Business performance
7.3.4 Key strategic moves and developments
7.4 Progressive Corporation
7.4.1 Company overview
7.4.2 Company snapshot
7.4.3 Operating business segments
7.4.4 Business performance
7.4.5 Key strategic moves and developments
7.5 Allstate Corporation
7.5.1 Company overview
7.5.2 Company snapshot
7.5.3 Operating business segments
7.5.4 Business performance
7.6 Desjardins Group
7.6.1 Company overview
7.6.2 Company snapshot
7.6.3 Operating business segment
7.6.4 Business performance
7.6.5 Key strategic moves and developments
7.7 Generali Group
7.7.1 Company overview
7.7.2 Company snapshot
7.7.3 Operating business segment
7.7.4 Business performance
7.7.5 Key strategic moves and developments
7.8 Mapfre S.A
7.8.1 Company overview
7.8.2 Company snapshot
7.8.3 Operating business segment
7.8.4 Business performance
7.8.5 Key strategic moves and developments
7.9 Metromile Inc.
7.9.1 Company overview
7.9.2 Company snapshot
7.9.3 Operating business segment
7.9.4 Business performance
7.9.5 Key strategic moves and developments
7.10 Aviva Plc.
7.10.1 Company overview
7.10.2 Operating business segment
7.10.3 Business performance
Other players in the value chain include:
Admiral Group plc.
Ageas S.A. /NV
AI Insurance Holdings Pty Ltd.
Aioi Nissay Dowa Insurance (ADI)
Allstate Corporation
Box Innovation Group Ltd.
Profiles of these players are not included. The same will be included on request.
LIST OF TABLES
TABLE 1 GLOBAL USAGE BASED INSURANCE MARKET, BY REGION, 2014-2022 ($MILLION)
TABLE 2 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022 ($MILLION)
TABLE 3 GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET REVENUE, BY GEOGRAPHY, 2014-2022 ($MILLION)
TABLE 4 GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET REVENUE BY GEOGRAPHY, 2014-2022
TABLE 5 GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MARKET REVENUE, BY GEOGRAPHY, 2014-2022
TABLE 6 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022, ($MILLION)
TABLE 7 GLOBAL OBD-II-BASED UBI PROGRAMS MARKET REVENUE, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 8 GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 9 GLOBAL HYBRID-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 10 GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 11 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 12 NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 13 NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 14 EUROPE USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 15 EUROPE USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 16 ASIA PACIFIC USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 17 ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 18 LAMEA USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 19 LAMEA USAGE BASED INSURANCE MARKET REVENUE, BY TECHNPLOGY, 2014-2022 ($MILLION)
TABLE 20 ALLIANZ SE COMPANY SNAPSHOT
TABLE 21 ALLIANZ SE - OPERATING SEGMENTS
TABLE 22 AXA COMPANY SNAPSHOT
TABLE 23 AXA - OPERATING SEGMENTS
TABLE 24 INSURE THE BOX - COMPANY SNAPSHOT
TABLE 25 PROGRESSIVE CORPORATION COMPANY SNAPSHOT
TABLE 26 PROGRESSIVE CORPORATION OPERATING SEGMENTS
TABLE 27 ALLSTATE CORPORATION - COMPANY SNAPSHOT
TABLE 28 ALLSTATE CORPORATION - OPERATING SEGMENTS
TABLE 29 DESJARDINS - COMPANY SNAPSHOT
TABLE 30 DESJARDINS - OPERATING SEGMENTS
TABLE 31 GENERALI GROUP - COMPANY SNAPSHOT
TABLE 32 GENERALI GROUP - OPERATING SEGMENTS
TABLE 33 MAPFRE - COMPANY SNAPSHOT
TABLE 34 MAPFRE - OPERATING SEGMENTS
TABLE 35 METROMILE - COMPANY SNAPSHOT
TABLE 36 METROMILE - OPERATING SEGMENTS
TABLE 37 AVIVA - COMPANY SNAPSHOT
TABLE 38 AVIVA OPERATING SEGMENTS
TABLE 1 GLOBAL USAGE BASED INSURANCE MARKET, BY REGION, 2014-2022 ($MILLION)
TABLE 2 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022 ($MILLION)
TABLE 3 GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET REVENUE, BY GEOGRAPHY, 2014-2022 ($MILLION)
TABLE 4 GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET REVENUE BY GEOGRAPHY, 2014-2022
TABLE 5 GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MARKET REVENUE, BY GEOGRAPHY, 2014-2022
TABLE 6 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022, ($MILLION)
TABLE 7 GLOBAL OBD-II-BASED UBI PROGRAMS MARKET REVENUE, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 8 GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 9 GLOBAL HYBRID-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 10 GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 11 GLOBAL USAGE BASED INSURANCE MARKET REVENUE, BY GEOGRAPHY, 2014-2022, ($MILLION)
TABLE 12 NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 13 NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 14 EUROPE USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 15 EUROPE USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 16 ASIA PACIFIC USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 17 ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, BY TECHNOLOGY, 2014-2022 ($MILLION)
TABLE 18 LAMEA USAGE BASED INSURANCE MARKET REVENUE, BY TYPE, 2014-2022, ($MILLION)
TABLE 19 LAMEA USAGE BASED INSURANCE MARKET REVENUE, BY TECHNPLOGY, 2014-2022 ($MILLION)
TABLE 20 ALLIANZ SE COMPANY SNAPSHOT
TABLE 21 ALLIANZ SE - OPERATING SEGMENTS
TABLE 22 AXA COMPANY SNAPSHOT
TABLE 23 AXA - OPERATING SEGMENTS
TABLE 24 INSURE THE BOX - COMPANY SNAPSHOT
TABLE 25 PROGRESSIVE CORPORATION COMPANY SNAPSHOT
TABLE 26 PROGRESSIVE CORPORATION OPERATING SEGMENTS
TABLE 27 ALLSTATE CORPORATION - COMPANY SNAPSHOT
TABLE 28 ALLSTATE CORPORATION - OPERATING SEGMENTS
TABLE 29 DESJARDINS - COMPANY SNAPSHOT
TABLE 30 DESJARDINS - OPERATING SEGMENTS
TABLE 31 GENERALI GROUP - COMPANY SNAPSHOT
TABLE 32 GENERALI GROUP - OPERATING SEGMENTS
TABLE 33 MAPFRE - COMPANY SNAPSHOT
TABLE 34 MAPFRE - OPERATING SEGMENTS
TABLE 35 METROMILE - COMPANY SNAPSHOT
TABLE 36 METROMILE - OPERATING SEGMENTS
TABLE 37 AVIVA - COMPANY SNAPSHOT
TABLE 38 AVIVA OPERATING SEGMENTS
LIST OF FIGURES
FIG 1. GLOBAL USAGE BASED INSURANCE MARKET ANALYSIS, 2015 & 2022
FIG 2. USAGE BASED INSURANCE MARKET: TOP IMPACTING FACTORS
FIG 3. GLOBAL USAGE BASED INSURANCE MARKET: TOP WINNING STRATEGIES, 2013-2016
FIG 4. TOP WINNING STRATEGIES COMPARISON, 2013-2016(%)
FIG 5. TOP INVESTMENT POCKETS
FIG 6. VALUE CHAIN ANALYSIS
FIG 7. PORTERS FIVE FORCES ANALYSIS
FIG 8. GLOBAL USAGE BASED INSURANCE MARKET, PLAYERS POSITIONING, 2015
FIG 9. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS BY TYPE, 2015 & 2022 (%)
FIG 10. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET, 2015 AND 2022 (%)
FIG 11. GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET REVENUE, 2014-2022 ($MILLION)
FIG 12. GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 13. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET, 2015 AND 2022 (%)
FIG 14. GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET REVENUE, 2014-2022 ($MILLION)
FIG 15. GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET SHARE ANALYSIS BY GEOGRAPHY, 2014-2022 ($MILLION)
FIG 16. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MILK MARKET, 2014 AND 2022 (%)
FIG 17. GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MILK MARKET REVENUE, 2014-2022 ($MILLION)
FIG 18. GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 19. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS BY TECHNOLOGY, 2015 & 2022 (%)
FIG 20. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL OBD-II-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 21. GLOBAL OBD-II-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 22. GLOBAL OBD-II-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 23. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL SMARTPHONE-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 24. GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET REVENUE, 2015-2022 ($MILLION)
FIG 25. GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 26. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL HYBRID-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 27. GLOBAL HYBRID-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 28. GLOBAL HYBRID-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 29. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL BLACK BOX-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 30. GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 31. GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 32. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2015 & 2022 (%)
FIG 33. NORTH AMERICA USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 34. COMPARATIVE MARKET SHARE ANALYSIS OF NORTH AMERICAN USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 35. NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 36. U.S. USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 37. REST OF NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 38. EUROPE USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 39. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF EUROPE USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 40. EUROPE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 41. ITALY USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 42. UK USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 43. FRANCE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 44. GERMANY USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 45. REST OF EUROPE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 46. ASIA-PACIFIC USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 47. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF ASIA-PACIFIC USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 48. ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 49. JAPAN USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 50. AUSTRALIA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 51. REST OF ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 52. LAMEA USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 53. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF LAMEA USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 54. LAMEA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 55. AFRICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 56. REST OF LAMEA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 57. REVENUE, 2013-2015($MILLION)
FIG 58. ALLIANZ: REVENUE, BY BUSINESS LINES, 2015 (%)
FIG 59. AXA: REVENUE, 2014-2015($MILLION)
FIG 60. AXA: REVENUE BY BUSINESS SEGMENT, 2015(%)
FIG 61. PROGRESSIVE CORPORATION: REVENUE, 2013 - 2015 ($MILLION)
FIG 62. PROGRESSIVE CORPORATION: NET PREMIUMS BY STATE, 2015 (%)
FIG 63. ALLSTATE CORPORATION: REVENUE, 2013 - 2015 ($MILLION)
FIG 64. ALLSTATE CORPORATION: REVENUE BY STATE, 2015 (%)
FIG 65. DESJARDINS: REVENUE, 2013 - 2015 ($MILLION)
FIG 66. DESJARDINS: REVENUE BY BUSINESS SEGMENTS, 2015 (%)
FIG 68. GENERALI GROUP: REVENUE, 2013 - 2015 ($MILLION)
FIG 69. GENERALI GROUP: REVENUE BY BUSINESS SEGMENTS, 2015 (%)
FIG 70. MAPFRE: REVENUE, 2013 - 2015 ($MILLION)
FIG 71. MAPFRE: PREMIUMS BY TERRITORY, 2015 (%)
FIG 72. AVIVA: REVENUE, 2013 - 2015 ($MILLION)
FIG 73. AVIVA: REVENUE BY GEOGRAPHY, 2015 (%)
FIG 1. GLOBAL USAGE BASED INSURANCE MARKET ANALYSIS, 2015 & 2022
FIG 2. USAGE BASED INSURANCE MARKET: TOP IMPACTING FACTORS
FIG 3. GLOBAL USAGE BASED INSURANCE MARKET: TOP WINNING STRATEGIES, 2013-2016
FIG 4. TOP WINNING STRATEGIES COMPARISON, 2013-2016(%)
FIG 5. TOP INVESTMENT POCKETS
FIG 6. VALUE CHAIN ANALYSIS
FIG 7. PORTERS FIVE FORCES ANALYSIS
FIG 8. GLOBAL USAGE BASED INSURANCE MARKET, PLAYERS POSITIONING, 2015
FIG 9. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS BY TYPE, 2015 & 2022 (%)
FIG 10. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET, 2015 AND 2022 (%)
FIG 11. GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET REVENUE, 2014-2022 ($MILLION)
FIG 12. GLOBAL PAY-AS-YOU-DRIVE (PAYD) MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 13. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET, 2015 AND 2022 (%)
FIG 14. GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET REVENUE, 2014-2022 ($MILLION)
FIG 15. GLOBAL PAY-HOW-YOU-DRIVE (PHYD) MARKET SHARE ANALYSIS BY GEOGRAPHY, 2014-2022 ($MILLION)
FIG 16. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MILK MARKET, 2014 AND 2022 (%)
FIG 17. GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MILK MARKET REVENUE, 2014-2022 ($MILLION)
FIG 18. GLOBAL MANAGE-HOW-YOU-DRIVE (MHYD) MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 19. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS BY TECHNOLOGY, 2015 & 2022 (%)
FIG 20. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL OBD-II-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 21. GLOBAL OBD-II-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 22. GLOBAL OBD-II-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 23. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL SMARTPHONE-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 24. GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET REVENUE, 2015-2022 ($MILLION)
FIG 25. GLOBAL SMARTPHONE-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 26. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL HYBRID-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 27. GLOBAL HYBRID-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 28. GLOBAL HYBRID-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 29. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF GLOBAL BLACK BOX-BASED UBI PROGRAMS, 2015 & 2022 (%)
FIG 30. GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET REVENUE, 2014-2022 ($MILLION)
FIG 31. GLOBAL BLACK BOX-BASED UBI PROGRAMS MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2014-2022 (%)
FIG 32. GLOBAL USAGE BASED INSURANCE MARKET SHARE ANALYSIS, BY GEOGRAPHY, 2015 & 2022 (%)
FIG 33. NORTH AMERICA USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 34. COMPARATIVE MARKET SHARE ANALYSIS OF NORTH AMERICAN USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 35. NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 36. U.S. USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 37. REST OF NORTH AMERICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 38. EUROPE USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 39. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF EUROPE USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 40. EUROPE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 41. ITALY USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 42. UK USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 43. FRANCE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 44. GERMANY USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 45. REST OF EUROPE USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 46. ASIA-PACIFIC USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 47. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF ASIA-PACIFIC USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 48. ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 49. JAPAN USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 50. AUSTRALIA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 51. REST OF ASIA-PACIFIC USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 52. LAMEA USAGE BASED INSURANCE MARKET ANALYSIS, 2015
FIG 53. COMPARATIVE REGIONAL MARKET SHARE ANALYSIS OF LAMEA USAGE BASED INSURANCE MARKET, BY COUNTRY, 2015 & 2022 (%)
FIG 54. LAMEA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 55. AFRICA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 56. REST OF LAMEA USAGE BASED INSURANCE MARKET REVENUE, 2014-2022 ($MILLION)
FIG 57. REVENUE, 2013-2015($MILLION)
FIG 58. ALLIANZ: REVENUE, BY BUSINESS LINES, 2015 (%)
FIG 59. AXA: REVENUE, 2014-2015($MILLION)
FIG 60. AXA: REVENUE BY BUSINESS SEGMENT, 2015(%)
FIG 61. PROGRESSIVE CORPORATION: REVENUE, 2013 - 2015 ($MILLION)
FIG 62. PROGRESSIVE CORPORATION: NET PREMIUMS BY STATE, 2015 (%)
FIG 63. ALLSTATE CORPORATION: REVENUE, 2013 - 2015 ($MILLION)
FIG 64. ALLSTATE CORPORATION: REVENUE BY STATE, 2015 (%)
FIG 65. DESJARDINS: REVENUE, 2013 - 2015 ($MILLION)
FIG 66. DESJARDINS: REVENUE BY BUSINESS SEGMENTS, 2015 (%)
FIG 68. GENERALI GROUP: REVENUE, 2013 - 2015 ($MILLION)
FIG 69. GENERALI GROUP: REVENUE BY BUSINESS SEGMENTS, 2015 (%)
FIG 70. MAPFRE: REVENUE, 2013 - 2015 ($MILLION)
FIG 71. MAPFRE: PREMIUMS BY TERRITORY, 2015 (%)
FIG 72. AVIVA: REVENUE, 2013 - 2015 ($MILLION)
FIG 73. AVIVA: REVENUE BY GEOGRAPHY, 2015 (%)
