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

Authors

Giovanni Vaia, Ca' Foscari University of VeniceFollow
Erran Carmel, American UniversityFollow
Harald Trautsch, Formely of Octo TelematicsFollow
William DeLone, American UniversityFollow
Flavio Menichetti, UnipolFollow

Abstract

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.

Recommended Citation

Vaia, Giovanni; Carmel, Erran; Trautsch, Harald; DeLone, William; and Menichetti, Flavio (2012) "Vehicle Telematics at an Italian Insurer: New Auto Insurance Products and a New Industry Ecosystem," MIS Quarterly Executive: Vol. 11: Iss. 3, Article 5.
Available at: https://aisel.aisnet.org/misqe/vol11/iss3/5