Kukho iindlela ezininzi, izixhobo, kunye neenkampani omele uziqaphele xa uvavanya iindalo zobuchwepheshe zomshuwalense ezizayo kunye neempembelelo abaza kuba nazo kubathengi kunye neenkampani ngokufanayo-kunye ne-inshurensi yemoto yombane.
I-intanethi yezinto
Iyona nto ibalulekileyo echaphazela imboni yomshuwalense kwiminyaka ezayo, ibha enye, i-intanethi yezinto, okanye i -OT, igama elibhekiselele kuzo zonke izixhobo ezixhunyiwe zehlabathi. Umzekelo obalaseleyo welungu le-intanethi yezinto yikhompyutha yakho yasekhaya kunye neselula. Kodwa ngokugqithiseleyo, iimoto ngokwabo-okanye iinzwa / iteknoloji entsha ngaphakathi kweemoto-zibandakanya kwi-intanethi yezinto.
Iimoto ezininzi ezitsha ziye zazakhela iteknoloji yezokhuseleko okanye ezixhunyiwe kwiinkqubo zokuqhuba izinto. Kwiminyaka ezayo, izithuthi ezininzi ziya kunxibelelana nomnye endleleni, ngenjongo yokunciphisa izingozi zendlela kunye nokufa.
Amanye amadivaysi angongezayo avumela i-insurers (okanye abazali / abaqhubi bemikhumbi) ukuba baqokele ulwazi malunga nemikhwa yokuqhuba - kwaye bahlawule ngokufanelekileyo. Ucwaningo lweMcKinsey "luqikelele ukuba phantse i-$ 1.5 trillion kwimali engenayo ingenelwa ngokuhamba kwamanani kunye nokunikezelwa kwedata ngo-2030."
Omnye umzekelo we teknoloji ozisa imoto yakho kwi-iOT yi- Cellcontrol , isixhobo kunye nesicelo esilandelayo esilandela ukuziphatha kwakho ukuqhuba nokukhusela ukusebenzisa iteknoloji ngaphakathi kwecala lomqhubi ngelixa lihamba.
I-Smartphone Rule
Amashumi asixhenxe anesibhozo sama-Amerika asetyenziswe i-smartphone kunye neenkampani ze-inshorensi zikhawuleza ukuqhubeka. Kwabaninzi eUnited States, i-smartphone yabo inxibelelwano oluphambili kwilizwe ledijithali: ama-10 ekhulwini aseMelika anayo i-smartphone kodwa ayinayo nayiphi na ifom ye-intanethi yokufikelela kwi-intanethi ekhaya, kwaye iipesenti ezingama-7 azikho enye i-intanethi efumaneka kalula ukufikelela kufuphi. Iinkampani ezininzi ze-inshorensi zikhawuleza ukuphuhlisa iinkonzo zokusebenza ezinobungqina kunye newebhusayithi. Kodwa i-50 epheleleyo yemali yabanikezeli bomshuwalense ayifake imali kwisicwangciso sejithali sexesha elide-kunye neepesenti ezingama-70 abanalo isicwangciso seminyaka emininzi yokuxhasa idijithali nonke. Abo benzayo baya kunqunyulwa ngaphezu kwazo zonke baze bazihlule kwiindawo zokuthengisa zomshuwalense.
Kwiintengiso ze-inshorensi kunye nabathengisi, ukuxhuma kulo mgaqo kuya kuthetha ukufikelela ngakumbi kwiinkqubo ezincedisa ukulinganiswa kwezixhobo ze-smartphone, ukucaphula, ukuhlalutya, nokuba uhlalutyo kubathengi. Kwi-insured, oku kuza kuthetha ukukwazi ukuthetha nabashuseli ngexesha langempela.
Abashuseli baya kwenza ngcono ukusetyenziswa kweTeknoloji
Iinkampani ezininzi ze-inshurensi yemoto ziza kuqala ukunikela ngomshuwalense wemoto-usetyenziso-based (UBI). Esicwangciso seBI, ifowuni yefowuni okanye enye inzwa iyakulandelela indlela oqhuba ngayo kwaye ubale ireyithi inkampani ehlawulwa ngayo ngoku.
Le inshorensi esebenzayo iya kuchaphazelekayo xa, apho, kunye nendlela oqhuba ngayo, kunye nomqhubi okhuselekileyo kunye nekhuselekileyo ukukhusela iingozi.
Kwaye akukhona nje iinkampani ezizinzileyo eziza kuxhamla kulo mkhwa - ukuqala kokuqala kuza kufakwa kumdlalo weBI. Iinkonzo ezininzi ze-smartphone sele zivumele ukuba abantu baqhathanise iingcaphuno ezivela kwiinkampani ezahlukeneyo. Abanye, njengeMetromile, banikela umrhumo wesiseko esisezantsi kwaye bahlawule abasebenzisi ngokubhekiselele kwimizuzu emininzi abaqhuba ngayo. Enye, i-Cuvva, yintengiso yomshuwalense othengiswa kubaqhubi abaqhubi. Ezinye iindlela zisebenzisa ubuchwepheshe be-smartphone ye-GPS ukubonelela nge-insurers ngokulandelela, iingxelo zezempilo zemoto, kunye neengcebiso kubasebenzisi. Abaninzi balaba baya kuncedwa bobabini kunye nabanini-bhaki: enye, i-TrueMotion, amanyathelo okuphazamisa ukuqhuba, ukuhamba kwamaxabiso nganye kwaye ibonisa apho abaqhubi banendawo yokuphucula kunye nebango lokunciphisa ukuqhuba okuphazamisekile ngokufikelela kuma-75 ekhulwini kunye nabasebenzisi bayo.
UMooo ngowenye into edibanise namagama amakhulu njengeGoogle, Amazon, kunye ne-Microsoft-iteknoloji yintloko kwinkonzo yeemoto ezixhunyiwe.
Kulabo bafuna ukubonelela ngeenkonzo ezintsha ezintsha, iinkonzo ezinobungcali kunye nabasebenzisekayo, iimodeko ezinokubaluleka kwemigangatho, kunye nezicwangciso ze-data-centric ziza kubaluleka kwimpampani yomshuwalense wemoto.
Ukukhupha Musa ukuyikhupha
Kwimashishini amaninzi, "ukunyusa" ukukhangisa kuye kwadlula iminyaka emininzi. Ukukhupha i-advertising-feeds abathengi abanokubhengezwa kunye neentengiso kunye neentengiso - cinga i-Time Square ikhanya ngokubhekiselele kwiintengiso. Okungakumbi, i-inshurensi yemoto yomshuwalense iya kulawulwa ngabo baqonda ngokwenene oko kuthatha ukuba "badonse" abathengi (okanye kude nomncintiswano) kunokuba "batshazele" kwimveliso okanye kwinkonzo. Ukuchukumisa ngokuphathelele ukutyhila - ukudonsa malunga nokuqonda iimfuno ezizodwa zabathengi ngabanye kwiimeko ezibanzi. Ukuze baphumelele kwixesha elitsha, abaqinisekali kufuneka baqonde ngokuqinisekileyo ubomi babathengi babo. I-Insuretech inokukunceda ngokunika idatha kunye nomxholo kubaqhubi ngabanye kunye neendawo eziphilayo apho zikhona. Oku, kuya kuthi, kuya kubavumela abaqinisekisi ukuba baqonde kangcono iimfuno zabaxhasi - kunye nokubonelela ngemveliso engcono kunye neenkonzo.
Yimarike yomthengi
Kukho iintsuku xa ukuhlawula ingalo nomlenze womshuwalense wemoto yinto yokhetho kuphela. Phakathi kweenkonzo zokwabelana ngemoto ezifana ne-Uber, Lyft, ne-Gett kunye nezibonelelo zoluntu ezingcono kwiidolophu ezizikhulu kunabo bonke, kwanokuba ukuqhuba imoto ngoku kunokukhetha kubantu abaninzi. Kodwa kwabo baqhuba, izicelo ezintsha, iteknoloji, kunye nemilinganiselo yentengo kuthetha ukuba ukhuphiswano luvalo - kwaye abathengi baqhuba ngaphezulu kwezithuthi zabo. Ukongezelela ekunikezeni idatha engcono ngokuqhuba kwabo, iteknoloji ivumela abaqhubi ukuba babe nokulindela kakuhle ukuba bangakanani ukuhlawula i-inshurensi yemoto ngokusekelwe ekuziphatheni kwabo, ukuqhuba imoto kunye nomzekelo, isixeko abahlala kuso umsebenzi, kunye neminye yemingcipheko yemveli (njengama tikiti ezithuthi, ubudala, njl).
I-OMG: iMillennials Rule
Uxolo, abantu bakudala: baninzi abaneminyaka engamawaka eminyaka behlala e-US kunokuba banama-baby boomers, kwaye batshintsha imigaqo yomdlalo. Ukongezelela ekukhuleni njengezidijithali, ii-millennials nazo ziyi-pickier: bathambekele ekuphandeni ukuthengwa kwamandla kunye notyalo-mali kakhulu kunabemi abakhulileyo ngaphambi kokuba bachithe imali kubo, benze ipesenteji enkulu yokuthenga kwabo kwi-intanethi, kwaye banokukhetha ukuthumela imiyalezo, ukuxoxa, kunye nokusebenzisa imidiya yoluntu ukuze uqokelele ifowuni xa uqhuba ishishini. Oku kunyanisekileyo kuthetha ukuba ukwenzela ukutsala nokugcina isiseko sabathengi babo, iinkampani ze-inshorensi ziza kuba neengxaki ezifunayo kunye neemfuno zeemillennials-ezibandakanya ubuchwepheshe obudibaniseneyo kunye nokunikezela ngolwazi olucacileyo kwiimveliso, iinkonzo , kunye nexabiso.
I-Tech-Empowered Insurance Agents
Konke oku kunokukwenza ukuba kubonakale ngathi ama-inshorensi ngabanye bahamba kakuhle endleleni yabo yokutshintshwa ngabavoli, iirobhothi, i-algorithms kunye noomatshini. Kodwa ngokwenene, ezobuchwepheshe bobugcisa ziya kuxhobisa ummeli we-inshorensi ukuba asebenze ngokukhawuleza abathengi babo basebenzise idatha yakutshanje kunye nezobuchwepheshe. Oku, kuya kuthi, kuya kubangela ukuba iingxoxo zabaxumi-abakhuphiswano kunye nabathengi-ezivelisayo-kunye nezicwangciso ezingcono kumntu wonke.
Omnye umzekelo wale teknoloji yi-Advicerobo, inkampani eyanciphisa ingozi yabatshutshisi ngokusebenzisa idatha ukudala iiprofayili ezizimeleyo zabantu. Oku kuvumela inkampani ukunciphisa umngcipheko wokukhwabanisa nokuvavanya ukubaluleka kwe-inshorensi yabantu ngabanye ngokubambisana kwezinto eziphathekayo ze-psychographic (kubandakanywa "nesimo sengqondo semali", ukunyaniseka, ukusetyenziswa kweendaba zoluntu, ubuhlobo bentsebenzo, umsebenzi, isini, kunye nomngcipheko wengozi, phakathi kwezinye izinto). I-teknoloji inceda uncedo lwe-inshurensi yesikrini kunye namabango okukhwabanisa, ukugcina wonke umntu ixesha kunye nemali.
Kuthiwani Ngobumfihlo Bam?
Unokucinga ukuba yonke iteknoloji kunye nezixhobo zokulondoloza indleko zivakala kakhulu ... okanye usenokucinga ukuba kuve kancinci kakhulu njengoMzalwana omkhulu ka-1984 usikele sonke. Ngoxa ixa elizayo ngokuqinisekileyo lithetha i-insurers iya kukwazi ngakumbi ngathi ngabanye, kwaye kuyo yonke le teknoloji ye-auto iya kwenza iimoto kunye namaziko eenkcukacha ezingakhuselekanga nakwezinye iinkqubo zokuhlaselwa kwe-cyber, kuya kubakho ukucaca ngokucacileyo okuvela kubo, kunye nexabiso elincinci kunye ukuqhuba ngokukhuselekileyo - ngamanye amagama, ukugcinwa kwamacala omabini. Yintoni ongayithandiyo?