Telematics Insurance Data Management & Product Design 2015

The Only Insurance-Led Telematics Initiative Created For Insurance Providers By Insurance Providers

Quantifying The Value Of Insurance Telematics Products To Insurers And Consumers To Justify The Business Case For Adoption:

Delivering Best Practices In Telematics Data Integration, Device Selection And Consumer Adoption

To Enable Maximum Market Penetration For Telematics Products

Insurance Providers & Selected OEMs Deliver Latest Insights Into:

June 24-25 | Chicago | Illinois

Industry-Leading Speakers:

www.telematics-insurance-data.com

• BUSINESS CASE: Comparing the total costs vs. unique value adds of integrating telematics data into insurance products to determine whether channeling complex new data streams into the model is worthwhile

• PRODUCT DESIGN: Examining how insurance providers are designing competitive edges into telematics products to dramatically improve consumer adoption

• DONGLES VS. SMARTPHONES VS. HYBRIDS: Examining the very latest advances in devices to determine which can bring down the costs of monitoring driver behavior

• BUILT IN TELEMATICS: OEM updates on the capabilities of new state-of-the-art telematics devices being built into vehicles to determine how they could be integrated into an underwriting program

• DATA GATHERING STRATEGY: Determining what data to collect, how frequently to collect it and for what duration of time to enable the optimization of pricing and risk at the lowest cost

• DATA ANALYSIS: Examining how to analyze data and draw usable conclusions on driver exposure to accurately calculate driver score and enable pricing discounts

• APPLYING DATA TO PRICING: Understanding how to integrate telematics data into an underwriting program to enable the provision of advanced pricing that more accurately reflects driver behavior

• DRIVING MARKET PENETRATION: Examining marketing best practices being used to drive the acceptance of telematics insurance products and achieve maximum market penetration in the US

Mike KreidlerInsurance CommissionerWashington State Office

Christopher ParkerAssistant Vice President For Transportation - Product UnderwritingZurich Insurance

Christopher ZianceAssistant General CounselProgressive Insurance

Paul FarrellSenior Technical ConsultantNationwide Insurance

Brian FieldsInnovation AnalystState Farm Insurance

Joe BiancoDirector, Portfolio Underwriting & UBI Business OwnerMetLife Insurance

Steve LivingstoneVice President, TelematicsRSA Canada

Dan MaddisonDirector - Market Research & DevelopmentThe Co-Operators Insurance

Organised By

Register By FridayMay 1, 2015

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www.telematics-insurance-data.com (1) 800 721 3915 [email protected]

Register By FridayMay 1, 2015

*SAVE $400

Telematics has the potential to completely transform the way automotive insurance is provided, reducing both costs for consumers and risk for insurance providers. If the technology and its applications in automotive sound futuristic, it is safe to say that future is already upon us.

Today, around 7 million drivers are using telematics products worldwide with research indicating that by 2017, the global telematics market will reach 89 million drivers – 15% of the total driving population.

Initially, the main driver behind the adoption of telematics products was self-selection with better drivers being early adopters, allowing insurers to identify and retain more attractive consumers. However as markets mature, telematics has formed a new path for real-time data enrichment and, combined with demographic data, is set to become a fundamental data channel used to more accurately assess driver score and formulate pricing. As more and more insurers look to adopt innovative telematics technologies and data management software to develop policies while encouraging market adoption, an increasing number of insurers are touting telematics as a key part of their customer service and product development strategy.

However, the business case for telematics in insurance has not been proven absolutely. The mainstream business model has not yet been derived and the formula for integrating the data into pricing has not yet been determined.

The first of its kind, Telematics Insurance Data Management & Product Design 2015 initiative has been purposefully designed to allow insurers to exchange the very latest in cutting edge technology, tried and tested pilots and case studies and, best practices for managing and integrating huge streams of complex data into driver score and pricing.

THE ONLY INSURANCE-LED TELEMATICS INITIATIVE CREATED FOR INSURANCE PROVIDERS BY INSURANCE PROVIDERS

The Telematics Insurance Data Management & Product Design 2015 initiative has been designed carefully to provide a platform for case study exchange, and collective data analysis enabling insurers to draw conclusions on how whether to adopt telematics products and how to integrate complex data into driver scores and pricing. There is no other initiative on the market like it that covers unique key features:

• INSURANCE COMPANY-LED: This initiative has been created based on what Telematics Directors and Managers in insurance companies want to learn. Every single presentation is designed by insurers for insurers to ensure maximum agenda relevance; no need to skip or sit through sessions that don’t apply to you

• NO SALES PITCHES: We select our sponsors very carefully to make sure only those with highly relevant learning insights and valuable technologies get a chance to speak on stage. Being a learning-focused initiative, we do not allow product pitching

• DATA FOCUS: With data management being one of the key drivers to the operational feasibility of telematics insurance products, this agenda has been designed specifically to provide practical insights on how insurers can gather, analyze and apply data in insurance products

• PRODUCT & POLICY DEVELOPMENT FOCUS: The agenda is focused on delivering tangible insights that will provide insurance companies with the practical, takeaway information they need to a) decide whether telematics products are commercially worthwhile and b) develop them

• OEM STAKEHOLDER PERSPECTIVES: The latest advances and cost saving that could be provided by built-in telematics are key to justifying whether to offer telematics products; hear the very latest plans from OEMs here

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VENUE INFORMATION:

DEVICES AND DATA MANAGEMENT: COMPARING THE COSTS AND ACCURACY OF THE VERY LATEST TELEMATICS DEVICES AND EXAMINING BEST PRACTICES FOR INTEGRATING DATA INTO INSURANCE PRODUCTS

Day 1Wednesday June 24, 2015

BUSINESS MODELS FOR MAINSTREAM INTEGRATION

Examining The Business Case For Integrating Telematics

Into Insurance To Evaluate The Overall Benefit To Insurers Of

Offering Telematics Based Products

8:30 Chair’s Opening Remarks

OPENING BRIEFING: WASHINGTON STATE OFFICE OF THE

INSURANCE COMMISSIONER

8:40 Hearing Guidelines On What Insurance Companies Need To Do To Satisfy The Licensing Requirements Established By Law For Engaging In The Business Of Telematics Auto Insurance

Mike Kreidler, Insurance Commissioner, Washington State Office

9:00 Question & Answer Session

KEYNOTE: BUSINESS CASE FOR INTEGRATION

9:10 Comparing The Total Costs Vs. Unique Value Adds Of Integrating Telematics Data Into Insurance Products To Quantify The Total Value Of Channeling Complex New Data Streams Into The Program

•Value Adds:Quantifyingtheextenttowhichintegratedtelematicsolutionscanincreasethevalueaddedininsuranceproductstoinforminvestmentdecisions

•Costs:Mappingthekeycostsofintegratingtelematicsdataintoinsuranceproductstodeterminewhatlevelofreturnisneededtojustifytelematicsproductdevelopment:

•SpecializedIn-CarModemHardware•DataStorageCosts•DataAnalyticsCosts•SoftwareCosts•CustomerServiceAndBilling•AgentTrainingCosts

•Market:Examiningthecurrentmarketpenetrationoftelematicsinsuranceproductstogaugecustomerappetiteandinfluencethedecisiononwhethertoadopt

•Customer Uptake:Examiningcustomeruptakeonamarketedtelematicsproducttodeterminetheconsumer-perceivedvalueofaproductthatmoreaccuratelyreflectstheirexposure:casestudy

•Sustainability:Evaluatingthecostsustainabilityoftelematicsintheinsuranceindustry-willmarginssoonbethreatenedbyrisingtechnologycosts?

Christopher Ziance, Assistant General Counsel, Progressive Insurance

9:40 Question & Answer Session

BUSINESS MODEL FOR TELEMATICS INTEGRATION

9:50 Comparing Business Model Options For Telematics Integration: Ensuring Data Access, Allocating Hardware Costs And Evaluating Optimal Degrees Of In-House Versus Third Party Program Development

•Comparingtheprosandconsofthedifferentdegreesofhouseversusvsthirdpartyprogramdevelopmenttodeterminetheoptimalbusinessmodelforintegration

•Examiningthelatestconsensusonwhetherpayingforhardwarein-houseleadstomoresuccessfultelematicsprogramscomparedtocustomersbeingresponsiblefortheone-offcost

•Comparingtheoptionsofinsurancecompaniesgatheringthedataversusbuyingitinfromthirdpartiestodeterminewhichisthemostcosteffectiveandsustainable

•Examininghowtocometoadatasharingagreementwithvehiclemanufacturerstoensureinformationisavailablewithwhichtocalculatedriverscores

Steve Livingstone, Vice President Telematics, RSA Canada

10:20 Question & Answer Session

10:30 Morning Refreshments In Exhibition Showcase Area

PRODUCT DESIGN OPTIMIZATIONDiscussing Cutting Edge Best Practices For Integrating

Data Into Product Design To Enable The Creation Of Highly Successful Telematics Insurance Products

TELEMATICS PRODUCT DESIGN METHODOLOGIES

11:00 Identifying Methodologies For Designing Accurate, High Consumer Appeal Insurance Products Using Telematics Data

•Comparingthepredictivepowersofdifferentvariablestodeterminewhichtoprioritizewhendesigningtheinsurancepolicy

•Examiningtheprivacyissuesassociatedwitheachvariabletodeterminewhicharemosteasilyusable

•Hearingthelatestbenchmarksonpilottestdurationtoidentifybestpracticesforreducingtheleadtimefromconcepttoproductlaunch

•Measuringthecustomeracceptancelevelsondifferentmeasurementvariablestoensurethedesignofaproductthatwillworkfortheconsumerandbenefitthecompany

Joe Bianco, State Management Director & Telematics Business Owner, MetLife Insurance11:30 Question & Answer Session

INTEGRATING CLAIMS HISTORY

11:40 Examining The Actuarial Processes Being Used To Integrate Claims Data Into Telematics Driver Behavior Data To Determine The Drivers

•Examininghowconclusionsondriverbehaviorbeingmadefromtelematicsdataarebeingtiedintopreviousclaimshistorytodetermineoverallpricing

•Understandinghowclaimshistorieshavebeenusedtoadjustassumptionsondriverscorebasedontelematicsdatatodeterminethedegreeofinfluencesuchinformationshouldhaveonpricing

William Tyminski, Senior Claims Analytics Analyst, National General Insurance

12:10 Question & Answer Session

12:20 Lunch In Exhibition Showcase Area

COST EFFECTIVE DEVICES FOR DATA GATHERINGExamining The Costs, Data Accuracy And Reliability Of

The Very Latest Temporary And Permanent Data Gathering Devices To Determine Which Are Most Suitable For Integration

Into Insurance Products Now And In The Near Future

DONGLES VS SMARTPHONES VS HYBRIDS

1:20 Examining The Very Latest Advances In In-Vehicle Devices To Determine Which Can Bring Down The Costs Of Monitoring Driver Behavior: Dongles Vs. Smartphones Vs. Hybrids

•Cost:Comparingthecostsofdonglesandsmartphonestodeterminewhichwillresultinmoreattractivepricingtotheconsumer,including:

•LicensingSoftware•DataTransmissionAndBluetooth•CustomerCellPhoneDataCosts

•Data Accuracy:Determiningwhethertheincreasedrichnessofdatagatheredfromadonglejustifiesthehigherdevicecosts

•Limitations:Identifyingtheproblemsbeingseenbyinsurerswithbothsmartphonesanddonglestohelpinfluencethedecisiononwhichtouse

•Hybrid:Examininghowahybridapproachcandeliverincreasedvaluetoinsurersbyensuringhigherdetaildatawithslightlylowerhardwareandtransmissioncosts

•Chips:Evaluatingtheprosandconsofputtingchipsintothevehicleversususingacellphonetoreportdatatodeterminewhichisultimatelymorecosteffective

Henry Bzeih, Head Of Telematics & Infotainment, KIA Motors America

1:50 Question & Answer Session

SMARTPHONE APPLICATION

2:00 Hearing How Insurance Companies Are Figuring Out The Challenges Of Smartphone Telematics: Leveraging Cell Phones To Achieve Lower Cost Data Gathering

•Best In Class:Identifyingwhicharebeingprovenmosteffectiveinenablingthelowcostoptionofsmartphonetelematicsdevices

•Reliability:Reviewingtheverylatestadvancesbeingusedtodeterminewhenthesmartphoneuserisdrivingtheinsuredcartoensurethereliabilityofthedata

•Carriers:Hearingwhichcarriersandtransmissionmethodscompaniesareusingtointegratetelematicswithsmartphones

•Battery Drainage:Hearinghowcompaniesareaddressingthebatterydrainageissuewithsmartphonetelematicstopromoteconsumeradoption

•Auto Theft:Examininghowtelematicsisbeingusedtomitigateautotheftviaremotedisconnectionofvehiclefunctions,andhowtrackingishelpingenablerecoveryofstolenvehicles

Brian Fields, Innovation Analyst, State Farm Insurance2:30 Question & Answer Session

INTEGRATED VEHICLE TECHNOLOGIES

2:40 Delivering Updates On The Capabilities Of New State Of The Art Telematics Devices Being Built Into Vehicles To Determine How They Could Be Integrated Into An Underwriting Program

•Examiningthelatestdevicesandhowtheyworktodetermineimplicationsfortheinsuranceindustry

•Viewingthetypesofdataavailableonnewcarstoidentifywhichnewinputsformonitoringdriverbehaviorwillbeavailableandunderstandhowtheycouldinfluencepolicypricing

•DeliveringOEMupdatesonthecapabilitiesofthelatestin-builtvehicletelematicsdevicestodeterminewhendonglesarelikelytobecomeobsoleteandguideimmediatedeviceinvestmentdecisions

•Identifyingthecoststotheinsurerassociatedwithintegratedtelematicstodiscovertheimplicationsonproductmargins

Henry Bzeih, Head Of Telematics & Infotainment, KIA Motors America

3:10 Question & Answer Session

3:20 Afternoon Refreshments In Exhibition Showcase Area

INTEGRATING EXTRA VALUE ADDS

3:50 Examining How Insurance Providers Are Designing Competitive Edges Into Telematics Products To Dramatically Improve Consumer Adoption

•Discount Models:Determiningwhetherconsumersprefervalueaddedversusdiscountonlymodelstodeterminewhicharemorelikelytobeaccepted

•Value Adds:Identifyingvalueaddsarelikelytoleadtoincreasedconsumerreceptivenessincluding:

•TeenProgramsWithGeosensing•SpeedAlarms•GreenInitiatives•VehicleDiagnostics

•Data Gathering:Identifyinggatheringdevicesanddatasetstowhichconsumershavebeenmostreceptiveinpilotsetstohelpdeterminewhichtypesofproductsarelikelytohavehighestadoptionrates

4:20 Question & Answer Session

MULTI-STAKEHOLDER PANEL DISCUSSION

4:30 Discussing What Needs Done By Each Stakeholder To Drive Insurance Telematics Products Into The Mainstream, Formulating The Following Key Questions:

•Whatdoyouthinkarethekeytrendsindeviceselectionandhowdoyouthinkthatwillimpactthelaunchoftelematicsinsuranceproductsintothemainstream?

•Whatdoyouthinkisyourkeyroleindrivingforwardtelematicsforinsuranceproducts?

•Whatdoyouseeasthekeyroleoftheotherstakeholdersinthisdrive?

•Whatarethebarrierstointegrationandwhatisyourroleindeconstructingthem?

•Whatneedsdoneonacustomereducationlevelbyallstakeholderstoensuretelematicsinsuranceproductsareadopted?

Insurance Perspective - Product: Amanda Evenson, Manager Product Innovation,Wawanesa Insurance

Insurance Perspective - Claims: William Tyminski, Senior Claims Analytics Analyst,National General Insurance

Vehicle OEM Perspective: Bob Gruszczynski, OBD Communication Expert,Volkswagen Group Of America5:00 Chair’s Closing Remarks

5:10 - 6:10 Networking Drinks Reception In Exhibition Showcase Area

www.telematics-insurance-data.com (1) 800 721 3915 [email protected]

8:30 Chair’s Opening Remarks

DATA MANAGEMENT AND INTEGRATIONExamining Cutting Edge Best Practices For Gathering,

Analyzing And Applying Telematics Data To Calculate Driver Scoring And Enable Pricing Discounts

KEYNOTE PRESENTATION: DATA GATHERING STRATEGY

8:50 Determining What Data To Collect, How Frequently To Collect It And For What Duration Of Time To Enable The Optimization Of Pricing And Risk At The Lowest Cost

•Ascertainingwhichtypesofdatashouldbeprioritizedinthegatheringstrategytoavoidoverspendingthroughovercollectionofdata:

•Speed•Mileage•BrakeAndAcceleration•TurnsAndCorneringSufficiency•Location•TimeOfDay•DriverlessAssistanceData

•Exploringtheoptimalfrequencyofdatacollectionneededtoproviderelevantandaccurateinsightsondriverbehavior

•Examiningthelatestadvancesindatastandardizationtoensureconsistencybetweendevicesandreduceanalysistime

Panelist: Bob Gruszczynski, OBD Communication Expert, Volkswagen Group Of America

9:20 Question & Answer Session

KEYNOTE PANEL: DATA GATHERING AND ANALYSIS

9:30 Discussing How To Analyze Data And Draw Usable Conclusions On Driver Exposure To Accurately Calculate Driver Score And Enable Pricing Discounts

•Examiningthemostadvancedmethodsbeingusedbyinsurerstocalculateeventsviatelematicsdatacomingin

•Hearinghowdataaggregatorsareprovidingnormalizeddatatoinsuranceproviderstoenablethedevelopmentoftelematicsbasedpricingstrategies

•Identifyingbestpracticesforestablishingpredictivealgorithmstoenableaccurateconclusionsondriverbehavior

•Understandingwhethercompaniesarefindingitmoreeffectivetoestablishtheanalysiscapabilitiesinhouseversusdevelopingexternalpartnershipandhiringthirdpartyassistance

Panelist: Christopher Parker, Assistant Vice President For Transportation Product Underwriting, Zurich North America

Panelist: Bob Gruszczynski, OBD Communication Expert, Volkswagen Group Of America

10:10 Question & Answer Session

10:20 Morning Refreshments In Exhibition Showcase Area

APPLYING DATA TO PRICING

10:50 Understanding How To Integrate Telematics Data Into An Underwriting Program To Enable The Provision Of Advanced Pricing That More Accurately Reflects Driver Behavior

•Pricing:Examininghowtoapplytelematicsdataintotheprogramtoenablediscountsandsurcharges

•Scoring Methodology:Identifyingthemostimportantelementsinscoringmethodologytodeterminebestpracticesforintegratingdataintoamarketableproduct

•Scoring Consistency:Examininghowaninsurerismanagingscorestoensureconsistency-casestudy

•Correlating Data:Determiningbestpracticesforcorrelatingdriverbehaviordatatoclaimshistorytoassessoveralldriverexposure

•Customer Needs:Evaluatingbestpracticesforusingdatatobetterunderstandcustomerneedstoenablethedesignofimprovedproducts

11:20 Question & Answer Session

DATA PRIVACY AND OWNERSHIP

11:30 Hearing Updates On How Telematics And

Insurance Companies Are Developing And Applying

New Data Protection Systems To Ensure Customer

Information Is Kept Private

•Analyzingwhatfactorscanandcannotbeusedforratingbasedonstateregulationstodeterminewhichproductscanbeissuedindifferentpartsofthecountry

•Examiningtheownershipdebateandhowthisimpactsaccessibilitytoinsurers:Dotelematicscompanies,insurersorconsumersownthedata?

•Evaluatingtheuseoflocationdata,privacyissuessurroundingit,anddifferentrulesfordifferentstatetodetermineifandhowitcouldbeintegratedintotheinsuranceproduct

•Howtocircumventprivacyissues:Establishingpolicytermsandcustomeroptin-optoutbestpracticesfortelematicsinsuranceproducts

•Identifyingbestpracticesforcommunicatingprivacybestpracticestocustomers:Whatmessagesshouldbedelivered,howoftenandviawhatmedia?

Shobana Sankaran, Business Development Consultant, Product Research & Development, California Casualty Management Company

12:00 Question & Answer Session

12:10 Lunch In Exhibition Showcase Area

DRIVING CONSUMER ADOPTION

Examining How To Ensure Maximum Consumer Uptake When

Launching Telematics Insurance Products

EDUCATING CONSUMERS - PANEL DISCUSSION

1:10 Scrutinizing The Very Latest Market

Intelligence To Identify Key Consumer Concerns

And How To Overcome Them Via Education And

Communication Programs

•“Willtelematicsincreasemyrates?”-Howtoeducatecustomersonthevalueversusadversitiesoftelematicsinsuranceproducts

•“HowdoUBIandtelematicswork?”-Hearingacasestudyonhowencouragingtheunderstandingoftheprocesscanleadtoincreasedproductuptake

•“Ismydatasafe?”-Understandingkeyconsumerconcernsoverprivacy,howtheycomparetoreality,andhowtoalleviateconcernsthroughtherightcommunicationmethods

•“Aremypersonalmovementsbeingmonitored?”-Manyconsumersareconcernedthatirrelevantdataontheirpersonallifeisbeingmonitoredalongsidedrivingbehavior;howcanindustrycombatthisviabothtechnologyandeducation?

Dan Maddison, Director, Market Research & Development, The Co-Operators Insurance

1:40 Question & Answer Session

WHAT’S NEXT IN VEHICLE INSURANCEExamining The Business Case For Fleet Telematics And

Forecasting The Impact Of Driverless Cars On Telematics

Insurance Products To Guide The Next Wave Of Innovative

Insurance Products

FLEET INSURANCE TELEMATICS

1:50 Understanding The Unique Commercial Value Of

Using Telematics For Fleets: Identifying Which Parts Of

Insurance Policies Can Be Influenced Via Fleet Data

•Examininghowfleetandpersonaltelematicsdifferfromaninsuranceperspectivetoidentifytheuniquevalueaddsofgatheringfleetdataviatelematics

•Identifyingwhatdataishelpfultoinsuranceproviderstoenablemoreaccuratepricingonvehiclesbeingusedforcommercialgooddeliveries

•Understandingtheextenttowhichfleetvehiclegoodsspoilagecanbebetterinsuredviathecollectionoftelematicsdata

•Discussinghowfleettelematicsdatacanbeusedtoestablishsafetyprogramstoreduceclaimrates

•Concludingoverall,thevaluetoinsurersoftelematicsdataintermsoftheextenttowhichitcaninformandcontrolinsurancecosts

Paul Farrell, Senior Technical Consultant, Nationwide Insurance

2:20 Question & Answer Session

2:30 Afternoon Refreshments In Exhibition Showcase Area

DRIVERLESS CARS

3:00 Analyzing How To Use The Convergence Of

Telematics And Vehicle Autonomy In Insurance

Products As Driverless Cars Go Mainstream

•EvaluatingthecurrentdevelopmentofDriverAssistanceSystemsandtheimplicationstheyhaveoninsurancecompaniesandproductdevelopment

•Examininghowcarswillbevalidatedas“safe”wheninautomatedmodetoquantifyriskcomparedtowhenadriveriscontrollingthevehicle

•Determininghowproductliabilityissueswillbeaddressedinautonomousvehicles

•Establishingoptimalwaystoevaluatepremiumsforconsumerswithhighlyautomatedcars

3:30 Question & Answer Session

DRIVING MARKET PENETRATION

3:40 Examining Marketing Best Practices Being Used

To Drive The Acceptance Of Telematics Insurance

Products And Achieve Maximum Market Penetration In

The US

•Launch Success:Examiningconstructivewaysofencouragingcustomerstotrynewtelematicsinsuranceproductstoensurelaunchesleadtomaximumuptake

•Pilot Results:Hearingthelatestresultsfromaninsurancetelematicsproductpilotteststobenchmarkinitialmarketacceptancelevelsbeingseen

•Agent And Broker Promotion:Howtobestequipagentsandinsurancebrokerswithprocessunderstandingandcommunicationtoolstodrawlessonsonhowtosuccessfullymarketproductsthroughallchannels

•Web Communication:Identifyingwhichtypesofonlinecommunicationareconsideredmosteffectiveinachievingapositiveresponsefromconsumers

4:10 Question & Answer Session

4:20 Chair’s Closing Remarks

4:30 End Of Initiative

Day 2Thursday June 25, 2015

www.telematics-insurance-data.com (1) 800 721 3915 [email protected]

LEARNING HOW TO SELECT AND OPTIMIZE TELEMATICS AND THE PRODUCTS AT THE LOWEST COST TO MAXIMIZE THE UNDERSTANDING TO THE INSURANCE INDUSTRY

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