Following recent developments in telematics technologies, proactive approaches are being taken even in the field of non-life insurance where these technologies are being utilized to develop services and products. With regard to “telematics car insurance” (the PAYD and PHYD types), which calculates an insurance premium based on the driver ’s driving information, this article will first outline activities occurring in Europe and the U.S. and deliberations, development status and problems with usage diffusion in Japan. Moreover, with regard to situations where insurance companies have been actively working toward utilizing telematic s technologies to provide services to insurance policyholders, this article will make reference to the increasing need for dash cams in recent years and outline this matter by taking the approaches of Mitsui Sumitomo Insurance Co., Ltd. as an example.
