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Strategic Shift from Traditional Insurance to Digital Insurance: The Rise of Automotive Insurtech

Publisher Frost & Sullivan
Published Oct 08, 2025
SKU # MC20468965

Description

The global automotive insurance industry is undergoing an impressive transformation as digitalization, connectivity, and data-driven models reshape how insurance is designed, delivered, and experienced. Traditional static policies are giving way to dynamic, usage-based, and behavior-based products that reflect real-world driving habits, enabled by the rapid adoption of telematics, IoT, artificial intelligence (AI), and advanced analytics.

This study provides a comprehensive analysis of how digital innovation is redefining automotive insurance. It covers the evolution of core technologies and connected services, from first notice of loss (FNOL) and automated claims processing to real-time accident detection, fraud prevention, embedded insurance, and personalized premiums.

The study also analyzes key market trends and adoption dynamics across the world. It highlights the role of diverse ecosystem participants, including telematics providers, OEMs, software vendors, mobility platforms, insurers, and regulators, and examines their strategies for adapting to this shifting landscape.

Drawing on in-depth interviews with leading industry experts, technology innovators, and insurers, the study uncovers the growth drivers, emerging opportunities, and critical challenges that stakeholders must navigate to stay ahead. Readers will gain actionable insights into regulatory developments, competitive strategies, and collaboration models shaping the next decade of automotive insurtech.

Finally, Frost & Sullivan offers valuable insights into growth opportunities for industry stakeholders in the years ahead.

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