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Vehicle Telematics at an Italian Insurer: New Auto Insurance Products and a New Industry Ecosystem

Giovanni Vaia, Erran Carmel, William DeLone, Harald Trautsch, Flavio Menichetti


This article describes how a partnership between one of Italy’s largest auto insurers (Unipol) and a systems integrator (Octo Telematics) yielded a new and profitable customer value proposition for the insurer based on a customer’s driving and risk profiles. The heart of the system is a small telematics device installed in a vehicle that captures and transmits data about where, when and how the vehicle is being driven. The emergence of the new ecosystem of stakeholders to support telematics-based auto insurance provides lessons for leaders in other industries as they explore the transformative potential of emerging technologies.

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ISSN 1540-1960