As Mobility as a Service grows, the insurance sector must evolve

本文最初出现在MeetingOfTheminds.org..

Our transportation systems are rapidly changing and developing, as we’re seeing increased demand for more personalized and convenient mobility services. All sectors that make up mobility services — private and public transport operators, IT and leasing companies and user associations — are challenged to offer new services, and build new partnerships and business models.

Mobility as a Service (MaaS) is a reality, Europe being the frontrunner in the market. Many MaaS services and solutions are available in cities around the world thanks to the cooperation of public sector and private companies which facilitates the aggregation of different transport services. However, there is a sector which is not yet fully integrated into the greater MaaS picture, but is of crucial importance for the growth of MaaS in Europe and globally: the insurance sector.

保险companies play a central role in the transit user’s life and mobility. How can the insurance sector evolve to fit users’ need for multimodality, while also serving the needs of the service providers? How can insurance products accommodate the multimodality aspect of transit that is distinctive of MaaS?

鉴于MAA的多峰性质，不应该以保险产品开发，以涵盖多个运输腿和一种模式？

在谈论MAA的优势时，灵活性往往是用于对个性化移动性成功进行分类的最追捧的特征。最后一分钟改变计划的灵活性是拥有MAAS正在寻求竞争的私家汽车的一个优势。一个解决方案可以是授权MAAS提供商将保险产品销售给最终用户，类似于可用于航班的内容，以便通过术语政策允许一些额外的灵活性，以防用户希望重新安排或取消旅行。

使用过境系统，在MAA生态系统中播放的保险的另一个可能的作用与多式联运之旅有关。目前没有全面的保险框架，用于涵盖事件的情况下的全传旅程。Maas旅程可以与电子踏板车搭乘骑行，电车行程和共用汽车骑。在这种多模式现实中，旅行者的状态根据他们使用的模式和相应的乘客权利方案而变化。在事件发生时，没有覆盖整个旅行的全面框架。鉴于MAA的多峰性质，不应该以保险产品开发，以涵盖多个运输腿和一种模式？

在未来移动电子商务osystem, this issue could be overcome by providing a comprehensive personal mobility insurance or offer policies through an aggregator, as a part of the MaaS service. In both cases there would be several options. One option would be whether the insurance applies only to the insured person or also covers the property, liabilities or financial losses. The insurance can be included or offered as an add-on product to any MaaS offering. Adding an insurance element into MaaS and new mobility service offerings can be part of transit company branding, and could become a differentiator in the market. As MaaS becomes more popular for business mobility use, there will be more demand for widely comprehensive insurance products.

MaaS can create new channels and business opportunities for insurance companies. In the future, the main revenue stream of mobility insurance is expected to be fleet insurance, end-user related insurance (for on-road accidents, property loss and damage, third party and liability, trip cancellation and delays), and insurance for the workforce. In order to unleash this new potential, the first step is to gain understanding of which products are already covered within the new mobility ecosystem and which are not. MaaS Alliance is working on a gaps analysis to establish a clear picture of what elements in the new mobility ecosystem are covered by existing mandatory or additional insurance schemes. This research will support the insurance sector in designing comprehensive insurance products for different modalities and segments.

We need strong cooperation from all parties involved in order to implement pilot projects and share success stories and business practices.

Another challenge that insurers will face is risk management in a MaaS environment. When focusing on new mobility services which have shifted from ownership models to rental and usage, insurance companies may need data on the usage and user behaviour to calculate the risk. Traditionally for private cars, the risk assessment is done based on the driver’s behaviour and their driving history. Access to MaaS data can be a challenge as it requires willingness of service providers to share data across the value chain, and transparency with the public with the use and purposes of the data collected.

通过将其直接向客户提出额外的服务或将保险与MAAS提供，将保险嵌入不同的优惠。一些移动服务提供商，如汽车租赁公司，销售保险作为补充服务，为其公司创造了额外的收入来源。

There is very clearly a place for insurance companies in the new mobility service market. We need strong cooperation from all parties involved in order to implement pilot projects and share success stories and business practices. We at the MaaS Alliance work as a facilitator and reference point to unleash the full potential of MaaS by gathering public and private sectors from Europe, North America and Asia-Pacific regions.

这些想法是Maas Alliance和美国对手，Mod Alliance，Mod Alliance，Mod Alliance，Mod Alliance，Mod Alliance，Moas和Maas和MaaS和Modility Industry的关键参与者组织的专家研讨会的结果。朝北的研讨会腿将于今年晚些时候主办。分析和路线图将进一步讨论，也讨论了欧盟和美国司法管辖区的差异。