The new mobility can lead to savings of up to 2 euros a year in the pockets of Italian families, who today allocate 11% of their income to transport, about half of what they spend on shopping. The figure emerges from the study "Innovation and mobility: current trends and possible future scenarios", carried out by Deloitte, partner of the "Innovation by Ania" Observatory.
THE NEW FORMS OF MOBILITY
At stake is not only the sharing mobility, in the two forms of sharing the vehicle (like Enjoy and Car2Go) or the journey (like Blablacar), but also the intelligent one, which includes assisted driving (automatic emergency braking, lane maintenance, speed adjustment…) and comes to driverless cars. Then electric vehicles, which in 2012-2016 increased 7 times and should reach 24% of the entire car fleet by 2030. And yet the diffusion of rental, a phenomenon which in 2017 involves one new vehicle out of four in Italy.
LESS CARS, MORE INNOVATION
The reduction in costs is parallel to that of the cars on the road. According to data from the Italian association of insurance companies (Ania), in our country the rate of motorization between 18 and 45 years of age has gone from 53% in 2005 to 37% in 2016. A change which was influenced by the diffusion of car pooling (the sharing of private cars among a group of people in order to reduce costs), which today involves 2,5 million people, and of the car sharing, with an average of 5.600 rentals per day and a tripled number of users between 2014 and 2016. Numbers that should be considered in perspective, given that each shared car replaces up to 9 owned cars.
Not only that: intelligent mobility is also set to grow. Today assisted driving does not concern more than 10-15% of Italian cars, but in 2025, according to Ania, about half of the vehicles on the road will be equipped with assisted or autonomous driving systems.
WHAT CHANGES FOR INSURANCE
All this will have important consequences for insurance, an item that has a decisive impact on the cost of transport. The frequency and severity of accidents will change and uninsured vehicles will decrease, as will fraud. But above all, the companies will have at their disposal a new amount of data that will allow them to create increasingly elaborate and personalized offers.
"Risk assessment was traditionally carried out by placing customers in homogeneous risk classes - explained Maria Bianca Farina, president of ANIA - Today digital technologies push us to continuously reclassify the risk profile of the policyholder". For example, it will therefore be necessary to propose "offers closer to the wishes of millennials, such as theinstant insurance also for the car”.
PADOAN: “GREAT OPPORTUNITY, BUT INVESTMENTS ARE NEEDED”
“We are talking about an epochal change in technologies, a revolution of opportunities – comments the Minister of Economy, Pier Carlo Padoan – To exploit it, investments must be made: the Italian economy, like the European one, needs a much higher level of investments long-term. We are still far behind the pre-crisis data. The Juncker plan is working better than expected and Italy is the second country to have benefited the most from it after France”, but according to the head of the Treasury, more needs to be done, “also from a regulatory point of view”.
