Automotive Ubi Usage Based Insurance MarketSize, Share & Industry Analysis, 2026-2034By TypeBy TechnologyBy Vehicle AgeBy Vehicle TypeBy Distribution Channel
Full title & scope — all 5 axes with their segments
Automotive Ubi Usage Based Insurance Market Size, Share & Industry Analysis, By Type (Pay-as-you-drive, Pay-how-you-drive, Manage-how-you-drive), By Technology (OBD-II-based UBI programs, Smartphone-based UBI programs, Hybrid-based UBI programs, Black-box-based UBI programs), By Vehicle Age (New Vehicles, Used Vehicles), By Vehicle Type (Light-Duty Vehicle, Heavy-Duty Vehicle), By Distribution Channel (Direct-to-Consumer, Insurance Agents and Brokers, OEM-Embedded Programs), and Regional Forecast, 2026-2034
Segment definitions and share of revenue by product, animal, end user and region.
- 01By TypePay-as-you-drive · Pay-how-you-drive · Manage-how-you-drive
- 02By TechnologyOBD-II-based UBI programs · Smartphone-based UBI programs · Hybrid-based UBI programs
- 03By Vehicle AgeNew Vehicles · Used Vehicles
- 04By Vehicle TypeLight-Duty Vehicle · Heavy-Duty Vehicle
- 05By Distribution ChannelDirect-to-Consumer · Insurance Agents and Brokers · OEM-Embedded Programs
- 06By Region
Market Analysis & Outlook
Automotive usage-based insurance (UBI) is a category of auto insurance in which the premium reflects data collected on how, how much, or when a vehicle is driven, alongside or instead of a driver's demographic and historical claims profile. Coverage is delivered through a telematics device, a smartphone application, or vehicle-embedded hardware installed by the automaker, and it is purchased by individual vehicle owners as well as by commercial fleet operators seeking to manage driver risk and insurance cost. Insurers, the technology vendors that supply the underlying telematics platforms, and automakers that embed connectivity at the point of manufacture are all participants in bringing this coverage to market.
USD 60 billion of revenue was recorded in the global automotive ubi usage based insurance market in 2025. By 2034 the figure reaches USD 240.7 billion, a compound annual growth rate of 15.69% through the forecast period, along a series that runs USD 14 billion in 2020, USD 47 billion in 2024, USD 75 billion in 2026 and USD 150.3 billion in 2030.
48% of 2025 revenue sits in Pay-as-you-drive (PAYD), worth USD 28.8 billion and rising to USD 91.47 billion at 38% by 2034, the largest type line in both years. Growth is fastest in Manage-how-you-drive (MHYD) at 22.22% and slowest in Pay-as-you-drive (PAYD) at 12.69%. The lines gaining share are Pay-how-you-drive (PHYD) and Manage-how-you-drive (MHYD). Pay-as-you-drive (PAYD) lose share without losing revenue.
The technology split puts Smartphone-based UBI programs first, at USD 20.4 billion and 34% of revenue in 2025, rising to USD 96.28 billion and 40% in 2034. Hybrid-based UBI programs grows faster at 19.38% against 18.82%, moving from 22% of revenue to 27% by 2034. It cuts the same total as the type axis from a different commercial angle, so revenue does not add across the two.
North America is the largest region at 38% of 2025 revenue, worth USD 22.8 billion and reaching USD 79.43 billion by 2034. Europe follows at 32%, moving from USD 19.2 billion to USD 69.8 billion, and Middle East and Africa is the smallest at 4%. Share shifts toward Asia Pacific, Latin America and Middle East and Africa over the forecast period, so the regional split repays a close reading.
The 2025 total is triangulated from published sources and category proxies, with no independently sourced count behind it. Segment, regional and country splits are estimated on the same basis, which bounds the precision of the figures above. Coverage runs to five regions, three type lines and five segmentation axes across a fifteen-year window.
Market Size, 2020–2034
USD BillionRevenue in USD Billion. Values up to 2025 are actuals; 2026–2034 are forecast.
Key Takeaways
- Revenue grows from USD 60 billion in 2025 to USD 240.7 billion in 2034, a compound annual rate of 15.69%, having reached USD 47 billion in 2024 from USD 14 billion in 2020.
- 48% of 2025 revenue sits in Pay-as-you-drive (PAYD) (USD 28.8 billion) and it remains the largest type line in 2034 at USD 91.47 billion and 38%.
- At 22.22%, Manage-how-you-drive (MHYD) grows faster than any other type line, moving from USD 7.2 billion and 12% of revenue in 2025 to USD 48.14 billion and 20% in 2034.
- Scenario range for 2034 runs from USD 197.37 billion in the bear case to USD 284.03 billion in the bull case, against a base-case USD 240.7 billion, the spread a plan built on this forecast has to absorb.
- 38% of 2025 revenue is generated in North America, worth USD 22.8 billion and rising to USD 79.43 billion by 2034; Middle East and Africa is smallest at 4%.
- 85% of North America's base-year revenue comes from the United States alone: USD 19.38 billion in 2025, rising to USD 65.93 billion by 2034, which is why it is that region's worked example.
- Fifteen years are reported, 2020 to 2034 with 2025 as the base: revenue, share and growth rate per line, per axis and per region, not as a single blended series.
Market Trends
Revenue Share, By By Type
Base year 2025Pay-as-you-drive (PAYD) leads with 48.0% of by type segment revenue.
Share of by type segment revenue, most recent base year.
The global automotive ubi usage based insurance market is shaped over 2026-2034 by three measurable movements: a change in the type mix, a shift in where revenue sits geographically, and the 15.69% rate carrying the total.
All three are changes in mix, not in direction: nothing contracts, and the movement is in which lines and regions absorb the new revenue.
Manage-how-you-drive (MHYD) outpaces Pay-as-you-drive (PAYD). Manage-how-you-drive (MHYD) grows at 22.22% across 2026-2034 against 12.69% for Pay-as-you-drive (PAYD), the widest spread on the type axis. Shares follow: 12% to 20% for Manage-how-you-drive (MHYD), 48% to 38% for Pay-as-you-drive (PAYD). Revenue rises on both sides; USD 7.2 billion to USD 48.14 billion and USD 28.8 billion to USD 91.47 billion respectively, so this is a change in composition, not a contraction, and one forecast window is long enough for it to matter.
Growth concentrates in Asia Pacific, Latin America and Middle East and Africa. Asia Pacific moves from 22% of revenue in 2025 to 28% in 2034, worth USD 13.2 billion rising to USD 67.4 billion; Latin America moves from 4% of revenue in 2025 to 5% in 2034, worth USD 2.4 billion rising to USD 12.04 billion; Middle East and Africa moves from 4% of revenue in 2025 to 5% in 2034, worth USD 2.4 billion rising to USD 12.04 billion. Against that, North America at 38% moving to 33%, Europe at 32% moving to 29%, a fall in share, not in revenue. Revenue added in this market is therefore concentrating geographically instead of spreading evenly, and a participant weighted toward a share-losing region grows more slowly than the market even while its own revenue climbs.
Fifteen years without a discontinuity. Fifteen years of revenue run USD 14 billion in 2020, USD 47 billion in 2024, USD 60 billion in 2025, USD 75 billion in 2026, USD 150.3 billion in 2030 and USD 240.7 billion in 2034. There is no discontinuity to time, and 15.69% forecast growth against 33.79% historical means the trend continues and does not turn. A plan built on this market is therefore a plan about capturing a share of steady expansion, which is decided on the type and regional axes, not by the headline rate.
Market Growth Factors
The fastest line decides the blended rate
Market Drivers
3- 01The fastest line decides the blended rate
Manage-how-you-drive (MHYD) compounds at 22.22% against 15.69% for the market, rising from USD 7.2 billion in 2025 to USD 48.14 billion in 2034 and from 12% of revenue to 20%. Because the spread to Pay-as-you-drive (PAYD) at 12.69% is this wide, the headline 15.69% is a weighted result, not a rate any single line achieves. That makes position on the type axis a growth decision, not a product one.
- 02Growth lands where the revenue already is
North America is the largest region at USD 22.8 billion in 2025, 38% of global revenue, and reaches USD 79.43 billion by 2034 while holding 33%. Behind it, Europe holds 32%; USD 19.2 billion rising to USD 69.8 billion. Most of the base and most of the growth sit in those two, and a plan spread evenly across regions therefore over-invests outside them.
- 03A demonstrated trajectory, not a projected turnaround
USD 14 billion in 2020, USD 47 billion in 2024 and USD 60 billion in 2025: 33.79% compound growth before the forecast period even begins. The forecast continues at 15.69% to USD 240.7 billion in 2034. Fifteen years of unbroken growth in the series means the forecast rests on a demonstrated trajectory, not a projected turnaround, and it is why the 15.69% rate is applied flat across the whole period instead of ramped through it.
Growth drivers
| # | Growth driver | Impact | Gross contribution (Billion) | 2026-28 | 2029-31 | 2032-34 |
|---|---|---|---|---|---|---|
| 1 | Insurer adoption of telematics-based risk pricing to lower loss ratios | High | +62 | High | High | Medium |
| 2 | OEM-embedded connectivity becoming standard equipment on new vehicles | High | +48 | Medium | High | High |
| 3 | Regulatory and safety mandates expanding usage-data collection | Medium-High | +38 | Medium | Medium | High |
| 4 | Smartphone-based telematics lowering the cost of program rollout | Medium-High | +25 | High | Medium | Medium |
| 5 | Growth of usage-based commercial fleet insurance | Medium | +12.7 | Low | Medium | Medium |
| 6 | Others | Low | +15 | Low | Low | Low |
| Total | +200.7 | |||||
Restraints
| # | Restraint | Impact | Estimated reduction (Billion) | 2026-28 | 2029-31 | 2032-34 |
|---|---|---|---|---|---|---|
| 1 | Data privacy and consent concerns limiting enrollment | Medium | −9 | Medium | Medium | Low |
| 2 | Upfront hardware and integration costs for device-based programs | Medium | −7 | High | Medium | Low |
| 3 | Fragmented regulatory approval across jurisdictions | Low | −4 | Medium | Medium | Medium |
| Total | −20 | |||||
Drivers contribute 200.7 Billion and restraints remove 20 Billion, a net 180.7 Billion, which is the revenue the market adds between the base year and 2034. Contributions are CDI estimates, apportioned so that they reconcile with the forecast rather than being read from it.
Separate the 15.69% into its parts and three show up: an already-large base compounding, the type mix moving toward its faster lines, and regional growth landing unevenly.
Restraining Factors
What holds the forecast back
Market Restraints
2- 01What holds the forecast back
The study's downside path assumes the bear case assumes slower OEM connectivity rollout, tighter data-privacy rules in one or more large markets, and enrolled policyholders proving more price-sensitive to renewal premiums than currently observed, and ends 2034 at USD 197.37 billion against the USD 240.7 billion base case, the same USD 60 billion base year, a slower forecast period.
- 02Pay-as-you-drive (PAYD) grows below the market rate
Pay-as-you-drive (PAYD) carries 48% of 2025 revenue at USD 28.8 billion but compounds at 12.69% against 15.69% for the market, taking its share to 38% by 2034 even as revenue rises to USD 91.47 billion. Because it carries that much of the base, its pace holds the blended rate down more than any faster line lifts it.
Market Opportunities
Upside case: USD 284.03 billion by 2034
Market Opportunities
2- 01Upside case: USD 284.03 billion by 2034
A bull case of USD 284.03 billion by 2034, against USD 240.7 billion in the base case, turns on a single stated assumption: the bull case assumes new-vehicle OEM-embedded connectivity reaches a larger share of annual sales faster than currently observed and that no major market restricts telematics-based pricing on privacy grounds. The USD 60 billion 2025 base is common to both.
- 02Manage-how-you-drive (MHYD) share moves from 12% to 20%
Share on the type axis moves toward Manage-how-you-drive (MHYD), from 12% in 2025 to 20% in 2034, on 22.22% growth against the market's 15.69% and revenue rising from USD 7.2 billion to USD 48.14 billion. Taking position there does not require displacing whoever holds Pay-as-you-drive (PAYD), which is the harder and more expensive fight.
Market Challenges
The total depends on a single line
Market Challenges
2- 01The total depends on a single line
USD 28.8 billion of 2025 revenue sits in Pay-as-you-drive (PAYD), 48% of the total, and it is still 38% at USD 91.47 billion nine years later. Anything that changes demand for it changes the headline number; nothing else on the axis carries that weight.
- 02One country drives the leading region
North America is worth USD 22.8 billion in 2025 and USD 19.38 billion of that is the United States; 85% of the region, reaching USD 65.93 billion in 2034. The consequence is that regional risk here is really country risk wearing a larger label.
Segmentation Analysis
5 axesThe market is divided by type and by technology, vehicle age, vehicle type and distribution channel; five axes in all. Each axis cuts the same total revenue along a different commercial dimension, so the splits are alternative views of one market, not additions to it.
All three type lines expand in revenue terms over the forecast period. Share is the dividing line; two take it, the other cedes it.
By Type · 3 segments
Manage-how-you-drive (MHYD) Outpaces the Axis While Pay-as-you-drive (PAYD) Holds the Largest Share
- Largest Pay-as-you-drive (PAYD) · 48%
- Fastest Manage-how-you-drive (MHYD) · 22.2%
- Moves most Pay-as-you-drive (PAYD) · -10 pts
- Order by 2034 changes
| Segment | 2025 | Share | 2034 | Share | CAGR |
|---|---|---|---|---|---|
| Pay-as-you-drive (PAYD) | $28.80B | 48% | $91.47B | 38%-10 | 12.7% |
| Pay-how-you-drive (PHYD) | $24B | 40% | $101B | 42%+2 | 16.3% |
| Manage-how-you-drive (MHYD) | $7.20B | 12% | $48.14B | 20%+8 | 22.2% |
Pay-as-you-drive holds the largest share early because mileage-based pricing needs the least behavioral data and slots into existing policy administration with minimal change, making it the easiest entry point for insurers extending usage-based pricing to a broad book. Manage-how-you-drive grows fastest as insurers move from passive mileage tracking toward real-time coaching that lowers claims frequency and supports sharper renewal pricing. By 2034 the largest line is Pay-how-you-drive (PHYD) and no longer Pay-as-you-drive (PAYD), the one axis here where the order actually changes. Every year of the series is priced on this axis, making it the reference cut for the rest of the report.
By Technology · 4 segments
Scale in Smartphone-based UBI programs and Growth in Hybrid-based UBI programs Define the Technology Axis
- Largest Smartphone-based UBI programs · 34%
- Fastest Hybrid-based UBI programs · 19.4%
- Moves most OBD-II-based UBI programs · -10 pts
- Order by 2034 changes
| Segment | 2025 | Share | 2034 | Share | CAGR |
|---|---|---|---|---|---|
| OBD-II-based UBI programs | $18B | 30% | $48.14B | 20%-10 | 11.6% |
| Smartphone-based UBI programs | $20.40B | 34% | $96.28B | 40%+6 | 18.8% |
| Hybrid-based UBI programs | $13.20B | 22% | $64.99B | 27%+5 | 19.4% |
| Black-box-based UBI programs | $8.40B | 14% | $31.29B | 13%-1 | 15.7% |
Smartphone-based programs lead because they need no hardware installation, letting insurers enroll drivers instantly through an app at a fraction of the cost of a dedicated device. Hybrid-based programs grow fastest as insurers pair app-collected trip data with a low-cost plug-in sensor to sharpen location and hard-braking accuracy without the expense of a full black-box installation. By 2034 Smartphone-based UBI programs is still ahead, making this a shift in weight, not a change of leader.
By Vehicle Age · 2 segments
Used Vehicles Outpaces the Axis While New Vehicles Holds the Largest Share
- Largest New Vehicles · 58%
- Fastest Used Vehicles · 18.4%
- Moves most New Vehicles · -6 pts
- Order by 2034 unchanged
| Segment | 2025 | Share | 2034 | Share | CAGR |
|---|---|---|---|---|---|
| New Vehicles | $34.80B | 58% | $125B | 52%-6 | 15.3% |
| Used Vehicles | $25.20B | 42% | $116B | 48%+6 | 18.4% |
New vehicles carry the larger share because automakers increasingly embed telematics hardware at the factory, letting insurers price a usage-based policy the moment a car is registered. Used vehicles grow faster as smartphone-based programs let insurers extend usage-based pricing to older cars that were never built with embedded connectivity, without any hardware retrofit. Used Vehicles grows fastest here, so its share rises while New Vehicles gives ground. The order does not change: New Vehicles is still largest in 2034, and what moves is how much it holds.
By Vehicle Type · 2 segments
Light-Duty Vehicle (LDV) Led by Vehicle type in 2025, with Heavy-Duty Vehicle (HDV) Growing Fastest
- Largest Light-Duty Vehicle (LDV) · 84%
- Fastest Heavy-Duty Vehicle (HDV) · 20.3%
- Moves most Light-Duty Vehicle (LDV) · -5 pts
- Order by 2034 unchanged
| Segment | 2025 | Share | 2034 | Share | CAGR |
|---|---|---|---|---|---|
| Light-Duty Vehicle (LDV) | $50.40B | 84% | $190B | 79%-5 | 15.9% |
| Heavy-Duty Vehicle (HDV) | $9.60B | 16% | $50.55B | 21%+5 | 20.3% |
Light-duty vehicles hold most of the revenue because personal auto insurance is the market usage-based programs were built for, and insurers hold the largest policyholder base to price this way. Heavy-duty vehicles grow faster as commercial fleet operators adopt telematics-based scoring to cut claims costs and satisfy safety oversight, a segment that started from a much smaller base. Heavy-Duty Vehicle (HDV) grows fastest here, so its share rises while Light-Duty Vehicle (LDV) gives ground. The order does not change: Light-Duty Vehicle (LDV) is still largest in 2034, and what moves is how much it holds.
By Distribution Channel · 3 segments
Scale in Direct-to-Consumer and Growth in OEM-Embedded Programs Define the Distribution channel Axis
- Largest Direct-to-Consumer · 46%
- Fastest OEM-Embedded Programs · 22.9%
- Moves most OEM-Embedded Programs · +12 pts
- Order by 2034 changes
| Segment | 2025 | Share | 2034 | Share | CAGR |
|---|---|---|---|---|---|
| Direct-to-Consumer | $27.60B | 46% | $101B | 42%-4 | 15.5% |
| Insurance Agents and Brokers | $20.40B | 34% | $62.58B | 26%-8 | 13.3% |
| OEM-Embedded Programs | $12B | 20% | $77.03B | 32%+12 | 22.9% |
Direct-to-consumer sales lead because most usage-based programs are sold through an insurer's own app or website, skipping the commission layer that a broker-priced policy carries. OEM-embedded programs grow fastest as automakers strike insurance partnerships that enroll a driver in usage-based coverage at the point of vehicle purchase, a channel still building scale from a low starting base. The order does not change: Direct-to-Consumer is still largest in 2034, and what moves is how much it holds.
Regional Insights
Regional Revenue Share
Base year 2025Share of global revenue in the base year.
Only the leading region's share is published outside the report; pins mark the region, not a specific country.
North America Market Analysis
The largest region covered — 5 points of share move elsewhere by 2034, while revenue still grows 3.5×.
- Rank 1 of 5
- 2025 share 38%
- By 2034 33%
- Revenue $22.80B → $79.43B
USD 22.8 billion of 2025 revenue is generated in North America, 38% of the global automotive ubi usage based insurance market on the way to USD 79.43 billion by 2034. Among the five regions it ranks first by revenue in both years.
By 2034 the share stands at 33%, while nothing contracts here; other regions simply grow faster, which shows up as relative weight, not as falling revenue.
Pay-as-you-drive (PAYD) leads here as it does globally, at 48% of 2025 revenue, and Manage-how-you-drive (MHYD) again grows fastest at 22.22%. The full report breaks North America out along every axis and by country.
United States
Sets the pace for North America at 85% of it, growing 3.4×.
- In region 1 of 2
- Of region 85%
- Of global 32.3%
- Revenue $19.38B → $65.93B
The largest single market in North America is the United States, at USD 19.38 billion in 2025 and USD 65.93 billion in 2034. At 85% of regional revenue in the base year it is not one market among several, the region's trajectory is largely this country's trajectory. Against regional totals of USD 22.8 billion in 2025 and USD 79.43 billion in 2034, it is the country the full report breaks out in detail.
the United States buys along the same lines as the market globally; Pay-as-you-drive (PAYD) first at 48% of 2025 revenue and 38% in 2034, Manage-how-you-drive (MHYD) fastest at 22.22% on a share moving from 12% to 20%. With 85% of North America concentrated here, a change in this country's mix is visible in the regional figures instead of being diluted by its neighbours. The full report reports the United States by type separately.
Automotive usage based insurance in the United States falls under state insurance departments rather than a single federal regulator, since insurance rate-making and policy filing are matters each state supervises through its own commissioner. An insurer offering telematics-based premiums must file its rating methodology and any data-driven discount model with the relevant state regulator for approval before use, and must disclose to policyholders how driving data is collected, scored and applied to pricing. Privacy handling of location and driving-behavior data intersects with state consumer-privacy statutes, several of which now treat telematics data as sensitive personal information subject to consent and disclosure duties. The Federal Trade Commission's general standards on unfair or deceptive practices also apply where a program's data use diverges from what was disclosed to the driver at enrollment.
Competition in the United States runs between the suppliers this study tracks: Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas.. The commercially relevant division is 48% of 2025 revenue in Pay-as-you-drive (PAYD), where the volume is, against 22.22% growth in Manage-how-you-drive (MHYD), where share moves. Country-level positioning and shares for each of these companies are part of the full report, not of this summary.
Canada
2nd-largest in North America, growing 3.9×.
- In region 2 of 2
- Of region 15%
- Of global 5.7%
- Revenue $3.42B → $13.50B
5.7% of global revenue is generated in Canada; USD 3.42 billion in 2025, reaching USD 13.5 billion in 2034, and 15% of North America.
Europe Market Analysis
The 2nd-largest region covered — 3 points of share move elsewhere by 2034, while revenue still grows 3.6×.
- Rank 2 of 5
- 2025 share 32%
- By 2034 29%
- Revenue $19.20B → $69.80B
32% of the global automotive ubi usage based insurance market sits in Europe in 2025, worth USD 19.2 billion rising to USD 69.8 billion in 2034. That makes it the second-largest region covered, in 2025 and again in 2034.
Share settles at 29% in 2034, while nothing contracts here; other regions simply grow faster, which shows up as relative weight, not as falling revenue.
Within the region the type split tracks the global one; 48% of 2025 revenue in Pay-as-you-drive (PAYD), fastest growth of 22.22% in Manage-how-you-drive (MHYD). Europe is reported axis by axis and country by country in the full study.
United Kingdom
The largest market in Europe, growing 3.4×.
- In region 1 of 3
- Of region 32%
- Of global 10.2%
- Revenue $6.14B → $20.94B
USD 6.144 billion of Europe's 2025 revenue is generated in the United Kingdom, the region's largest market, reaching USD 20.94 billion by 2034. Its 32% of base-year regional revenue leads the region, though enough sits elsewhere that Europe is not a proxy for it. The region itself runs USD 19.2 billion to USD 69.8 billion over the same period, and this is the market carrying the country-level detail in the full report.
The type pattern in the United Kingdom is the global one: 48% of 2025 revenue in Pay-as-you-drive (PAYD), 38% by 2034, against 22.22% growth in Manage-how-you-drive (MHYD) taking it from 12% to 20%. Since 32% of Europe's revenue is generated here, the regional numbers inherit this market's mix instead of smoothing it out. Revenue by type for the United Kingdom is reported separately in the full report.
In the United Kingdom, automotive usage based insurance is regulated by the Financial Conduct Authority together with the Prudential Regulation Authority, which govern how insurers price, market and administer telematics policies under the general insurance conduct rules. A provider must ensure that premium calculations built on driving-behavior data are fair, clearly explained to the customer and consistent with the Consumer Duty, rather than opaque scoring that a policyholder cannot reasonably understand. Collection and processing of location and driving data is additionally governed by the UK General Data Protection Regulation and the Data Protection Act, requiring a lawful basis, defined retention limits and transparency over how scores translate into premiums. Any in-vehicle telematics hardware supplied as part of the policy must also meet the relevant electrical and radio equipment safety standards before installation.
Competition in the United Kingdom runs between the suppliers this study tracks: Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas.. Two different problems sit on the same axis: holding Pay-as-you-drive (PAYD) at 48% of 2025 revenue, and taking Manage-how-you-drive (MHYD) while it grows at 22.22%. A supplier weighted toward Europe is competing over a base of USD 19.2 billion in 2025 reaching USD 69.8 billion by 2034, 32% of global revenue at the start of that period.
Italy
2nd-largest in Europe, growing 3.3×.
- In region 2 of 3
- Of region 24%
- Of global 7.7%
- Revenue $4.61B → $15.36B
Italy is sized at USD 4.608 billion in 2025, rising to USD 15.36 billion by 2034; 7.68% of global revenue and 24% of Europe. It is reported separately from the United Kingdom across every segmentation axis in the full report.
Germany
3rd-largest in Europe, growing 3.8×.
- In region 3 of 3
- Of region 18%
- Of global 5.8%
- Revenue $3.46B → $13.26B
Germany is sized at USD 3.456 billion in 2025, rising to USD 13.26 billion by 2034; 5.76% of global revenue and 18% of Europe. It is reported separately from the United Kingdom across every segmentation axis in the full report.
Asia Pacific Market Analysis
The 3rd-largest region covered, and the one gaining the most — it picks up 6 points of share by 2034, while revenue still grows 5.1×.
- Rank 3 of 5
- 2025 share 22%
- By 2034 28%
- Revenue $13.20B → $67.40B
22% of the global automotive ubi usage based insurance market sits in Asia Pacific in 2025, worth USD 13.2 billion and reaches USD 67.4 billion by 2034. By revenue it sits third across the study, and the ranking does not change between 2025 and 2034.
By 2034 the share has moved up to 28%, at a pace above the 15.69% global rate, so this region warrants separate treatment and should not be scaled off the total.
Within the region the type split tracks the global one; 48% of 2025 revenue in Pay-as-you-drive (PAYD), fastest growth of 22.22% in Manage-how-you-drive (MHYD). Per-axis and per-country detail for Asia Pacific sits in the full report.
China
The largest market in Asia Pacific, growing 5.4×.
- In region 1 of 3
- Of region 40%
- Of global 8.8%
- Revenue $5.28B → $28.31B
USD 5.28 billion of Asia Pacific's 2025 revenue is generated in China, the region's largest market, reaching USD 28.31 billion by 2034. It accounts for 40% of regional revenue in the base year, the largest single share without dominating the region outright. Regional revenue of USD 13.2 billion in 2025 and USD 67.4 billion in 2034 sits around it, and it is the country used wherever the full report cuts a figure by geography.
Composition here matches the global split: the largest line is Pay-as-you-drive (PAYD) at 48% of 2025 revenue, easing to 38% by 2034, and the fastest is Manage-how-you-drive (MHYD) at 22.22%, from 12% to 20%. Its 40% weight in Asia Pacific means those movements carry straight into the regional totals. Per-type revenue for China appears on its own in the full report.
China's automotive usage based insurance market operates under the supervision of the National Financial Regulatory Administration, which approves motor insurance products and the pricing models insurers use, including telematics-based rating schemes, before they can be sold. An insurer must submit its usage-based product design and underlying data methodology for regulatory filing, demonstrating that premium differentiation is actuarially justified rather than arbitrary. Because these programs depend on collecting vehicle location and driving data, insurers must also comply with the Personal Information Protection Law and related data-security rules governing consent, cross-border data transfer and secure storage of driver information. Any connected telematics device fitted to the vehicle is additionally subject to national telecommunications and product-certification requirements before it can be deployed commercially.
Competition in China runs between the suppliers this study tracks: Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas.. Volume sits in Pay-as-you-drive (PAYD) at 48% of 2025 revenue; movement sits in Manage-how-you-drive (MHYD) at 22.22% growth. That makes Asia Pacific a 22% share of 2025 global revenue, USD 13.2 billion rising to USD 67.4 billion, for any supplier deciding where to concentrate.
Japan
2nd-largest in Asia Pacific, growing 4.4×.
- In region 2 of 3
- Of region 28%
- Of global 6.2%
- Revenue $3.70B → $16.18B
Within Asia Pacific, Japan accounts for 28% of regional revenue and 6.16% of the global total, worth USD 3.696 billion in 2025 and USD 16.18 billion by 2034.
India
3rd-largest in Asia Pacific, growing 7.7×.
- In region 3 of 3
- Of region 12%
- Of global 2.6%
- Revenue $1.58B → $12.13B
India is sized at USD 1.584 billion in 2025, rising to USD 12.13 billion by 2034; 2.64% of global revenue and 12% of Asia Pacific. It is reported separately from China across every segmentation axis in the full report.
Latin America Market Analysis
The 4th-largest region covered — it picks up 1 point of share by 2034, while revenue still grows 5.0×.
- Rank 4 of 5
- 2025 share 4%
- By 2034 5%
- Revenue $2.40B → $12.04B
4% of the global automotive ubi usage based insurance market sits in Latin America in 2025, worth USD 2.4 billion and reaches USD 12.04 billion by 2034. It is a marginal region on this axis, fourth by revenue throughout the period.
By 2034 the share has moved up to 5%, so the region grows faster than the market's 15.69% and takes a larger part of the revenue added by 2034 than its 2025 weight implies.
Pay-as-you-drive (PAYD) leads here as it does globally, at 48% of 2025 revenue, and Manage-how-you-drive (MHYD) again grows fastest at 22.22%. Revenue for Latin America is broken out by every segmentation axis and by country in the full report.
Brazil
The largest market in Latin America, growing 4.7×.
- In region 1 of 2
- Of region 55%
- Of global 2.2%
- Revenue $1.32B → $6.26B
55% of Latin America's base-year revenue comes from Brazil; USD 1.32 billion, rising to USD 6.26 billion by 2034. Its 55% of base-year regional revenue leads the region, though enough sits elsewhere that Latin America is not a proxy for it. Regional revenue of USD 2.4 billion in 2025 and USD 12.04 billion in 2034 sits around it, and it is the country used wherever the full report cuts a figure by geography.
Brazil buys along the same lines as the market globally; Pay-as-you-drive (PAYD) first at 48% of 2025 revenue and 38% in 2034, Manage-how-you-drive (MHYD) fastest at 22.22% on a share moving from 12% to 20%. With 55% of Latin America concentrated here, a change in this country's mix is visible in the regional figures instead of being diluted by its neighbours. Per-type revenue for Brazil appears on its own in the full report.
In Brazil, automotive usage based insurance falls under the supervision of the Superintendência de Seguros Privados, the national regulator responsible for authorizing motor insurance products and the rating criteria insurers apply, including telematics-derived pricing factors. An insurer must register its usage-based product and pricing methodology with the regulator and demonstrate that the criteria used to adjust premiums are transparent and non-discriminatory. Collection of driving and location data through a connected device or mobile application is governed by the Lei Geral de Proteção de Dados, which sets requirements for consent, purpose limitation and secure handling of driver data. Telematics hardware installed in the vehicle must also carry certification from Anatel confirming compliance with national telecommunications equipment standards before sale.
The suppliers tracked in this study (Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas.) compete in Brazil across the type lines above. Two different problems sit on the same axis: holding Pay-as-you-drive (PAYD) at 48% of 2025 revenue, and taking Manage-how-you-drive (MHYD) while it grows at 22.22%. The commercial size of that position is USD 2.4 billion in 2025 and USD 12.04 billion by 2034, 4% of the global total in the base year.
Mexico
2nd-largest in Latin America, growing 5.5×.
- In region 2 of 2
- Of region 30%
- Of global 1.2%
- Revenue $0.72B → $3.97B
Mexico is sized at USD 0.72 billion in 2025, rising to USD 3.97 billion by 2034; 1.2% of global revenue and 30% of Latin America. It is reported separately from Brazil across every segmentation axis in the full report.
Middle East and Africa Market Analysis
The 5th-largest region covered — it picks up 1 point of share by 2034, while revenue still grows 5.0×.
- Rank 5 of 5
- 2025 share 4%
- By 2034 5%
- Revenue $2.40B → $12.04B
Middle East and Africa holds 4% of the global automotive ubi usage based insurance market in 2025, worth USD 2.4 billion rising to USD 12.04 billion in 2034. That makes it the fifth-largest region covered, in 2025 and again in 2034.
By 2034 the share has moved up to 5%, so the region grows faster than the market's 15.69% and takes a larger part of the revenue added by 2034 than its 2025 weight implies.
Within the region the type split tracks the global one; 48% of 2025 revenue in Pay-as-you-drive (PAYD), fastest growth of 22.22% in Manage-how-you-drive (MHYD). The full report breaks Middle East and Africa out along every axis and by country.
United Arab Emirates
The largest market in Middle East and Africa, growing 5.3×.
- In region 1 of 2
- Of region 30%
- Of global 1.2%
- Revenue $0.72B → $3.85B
The United Arab Emirates is the largest market within Middle East and Africa, generating USD 0.72 billion in 2025 and projected to reach USD 3.85 billion by 2034. It accounts for 30% of regional revenue in the base year, the largest single share without dominating the region outright. Against regional totals of USD 2.4 billion in 2025 and USD 12.04 billion in 2034, it is the country the full report breaks out in detail.
the United Arab Emirates buys along the same lines as the market globally; Pay-as-you-drive (PAYD) first at 48% of 2025 revenue and 38% in 2034, Manage-how-you-drive (MHYD) fastest at 22.22% on a share moving from 12% to 20%. Since 30% of Middle East and Africa's revenue is generated here, the regional numbers inherit this market's mix instead of smoothing it out. The United Arab Emirates carries its own type breakdown in the full report.
Automotive usage based insurance in the United Arab Emirates is regulated by the Central Bank of the UAE, which took over insurance supervision from the former Insurance Authority and approves motor insurance products, including any telematics-based pricing structure, before they reach the market. An insurer must obtain product approval confirming that usage-based rating factors are actuarially sound and clearly disclosed to the policyholder at the point of sale. Handling of driving and location data collected through a telematics device is subject to the UAE's federal data protection law, which requires a lawful basis for processing and safeguards over how such data is stored and shared. Any connected telematics unit fitted to a vehicle must additionally meet the Telecommunications and Digital Government Regulatory Authority's type-approval requirements for wireless equipment before installation.
Competition in the United Arab Emirates runs between the suppliers this study tracks: Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas.. The commercially relevant division is 48% of 2025 revenue in Pay-as-you-drive (PAYD), where the volume is, against 22.22% growth in Manage-how-you-drive (MHYD), where share moves. The commercial size of that position is USD 2.4 billion in 2025 and USD 12.04 billion by 2034, 4% of the global total in the base year.
South Africa
2nd-largest in Middle East and Africa, growing 5.2×.
- In region 2 of 2
- Of region 25%
- Of global 1%
- Revenue $0.60B → $3.13B
South Africa is sized at USD 0.6 billion in 2025, rising to USD 3.13 billion by 2034; 1% of global revenue and 25% of Middle East and Africa. It is reported separately from the United Arab Emirates across every segmentation axis in the full report.
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Report Coverage
This report assesses the market across every segment, with revenue and a growth rate for each line in each year of the study period. It covers the drivers, trends, opportunities, restraints and challenges shaping growth, the competitive landscape and the companies profiled, and the research methodology behind every estimate. Segmentation is reported by Type, Technology, Vehicle Age, Vehicle Type, Distribution Channel, and regional analysis covers North America, Europe, Asia Pacific, Latin America, Middle East and Africa, each broken out by country.
Competitive Landscape
Suppliers Compete on Pay-as-you-drive (PAYD) Volume and Manage-how-you-drive (MHYD) Momentum
The study covers twelve suppliers: Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group and Ageas..
Competition follows the type split, not the regional one. 48% of 2025 revenue, worth USD 28.8 billion, is in Pay-as-you-drive (PAYD), still 38% of the total in 2034; that is the position least likely to change hands. The line that changes hands is Manage-how-you-drive (MHYD) at 22.22%, well ahead of Pay-as-you-drive (PAYD) at 12.69%. A supplier positioned in one is not automatically positioned in the other, so a field of this size stays viable in a market of USD 60 billion.
Scale in claims and driving-behavior data is what separates the leading insurers here: a larger book lets a carrier refine its scoring models faster and price more accurately than a rival with a thinner sample. The largest players also hold multi-state or multi-country underwriting licenses, letting them roll a proven telematics program into new geographies without rebuilding it from scratch. Automaker partnerships and app-based distribution matter for reaching new-vehicle buyers at the point of sale, while smaller and specialist insurtechs compete instead on a single well-executed app experience, faster underwriting decisions, or pricing aimed narrowly at lower-risk drivers the larger carriers price more conservatively.
The regional picture sets the entry cost: 38% of revenue is in North America and 32% in Europe, so a credible global position requires both, while Middle East and Africa at 4% can be served opportunistically.
Profiles, financials, shares and development histories for each company sit in the full report; this summary carries the structure only.
List of Key Automotive Ubi Usage Based Insurance Market Companies Profiled
12 companies profiled. Company profiles, including financials, product portfolios and recent developments, are part of the full report.
- Allianz(Germany)
- AXA(France)
- Progressive(United States)
- Generali Group(Italy)
- Insure The Box Ltd(United Kingdom)
- Allstate(United States)
- Desjardins(Canada)
- Metromile(United States)
- Liberty Mutual(United States)
- Aviva(United Kingdom)
- Admiral Group(United Kingdom)
- Ageas.
Geographic Coverage
Every market below is broken out separately in the report.
North America
3Europe
8Asia Pacific
12Latin America
3Middle East and Africa
4Key Insights
Report Scope
Study parameters & segmentationThis study covers market size and forecasts over the 2020–2034 period, segmentation across 5 axes (Type, Technology, Vehicle Age, Vehicle Type, Distribution Channel), regional analysis for 5 regions and their constituent countries, a competitive landscape profiling 12 key companies, and the research methodology behind every estimate.
Segmentation
5 axes + regionFull chapter-and-section structure of the report. Segment, region, and company breakdowns are listed as scope. The underlying figures are in the sample and full report.
Table of Contents+−
Chapter 1.Executive Summary
Chapter 2.Premium Insights
Chapter 3.Market Definition
Chapter 4.Research Methodology
Chapter 5.Strategic Imperatives & Market Outlook
Chapter 6.Go-to-Market (GTM) Strategies
Chapter 7.Market Trends, Strategy & Dynamics
Chapter 8.Porter's Five Forces
Chapter 9.PESTEL Analysis
Chapter 10.Value Chain Analysis
Chapter 11.Supply Chain Analysis
Chapter 12.Macro-Economic Factors
Chapter 13.Market Cost Analysis
Chapter 14.Market Supply-Side Analysis
Chapter 15.Global Automotive Ubi Usage Based Insurance Market Size & Projections, 2020–2034, Revenue (USD Billion)
Chapter 16.Global Automotive Ubi Usage Based Insurance Market Overview, By Type, 2020–2034, Revenue (USD Billion)
Chapter 17.Global Automotive Ubi Usage Based Insurance Market Overview, By Technology, 2020–2034, Revenue (USD Billion)
Chapter 18.Global Automotive Ubi Usage Based Insurance Market Overview, By Vehicle Age, 2020–2034, Revenue (USD Billion)
Chapter 19.Global Automotive Ubi Usage Based Insurance Market Overview, By Vehicle Type, 2020–2034, Revenue (USD Billion)
Chapter 20.Global Automotive Ubi Usage Based Insurance Market Overview, By Distribution Channel, 2020–2034, Revenue (USD Billion)
Chapter 21.Global Automotive Ubi Usage Based Insurance Market Size — Segment Comparison
Chapter 22.Global Automotive Ubi Usage Based Insurance Geography Overview, 2020–2034, Revenue (USD Billion)
Chapter 23.North America Automotive Ubi Usage Based Insurance Market Deep-Dive, 2020–2034, Revenue (USD Billion)
Chapter 24.Europe Automotive Ubi Usage Based Insurance Market Deep-Dive, 2020–2034, Revenue (USD Billion)
Chapter 25.Asia Pacific Automotive Ubi Usage Based Insurance Market Deep-Dive, 2020–2034, Revenue (USD Billion)
Chapter 26.Latin America Automotive Ubi Usage Based Insurance Market Deep-Dive, 2020–2034, Revenue (USD Billion)
Chapter 27.Middle East and Africa Automotive Ubi Usage Based Insurance Market Deep-Dive, 2020–2034, Revenue (USD Billion)
Chapter 28.Application / Use-Case Analysis
Chapter 29.Vendor Capability Scorecard
Chapter 30.Scenario Forecasts
Chapter 31.Top 10 Key Clients of Top 10 Players
Chapter 32.Top 10 Suppliers
Chapter 33.Competitive Landscape
Chapter 34.Partnerships & M&A
Chapter 35.Key Vendor Analysis
Chapter 36.Marketing Strategy Analysis, Distributors & Traders
Chapter 37.Outlook of the Market
Chapter 38.Concluding Analyst Note
List of Figures+−
Structural index generated from this report's own section headings, not verified against the delivered report's actual figure numbering.
List of Tables+−
Structural index generated from this report's own section headings, not verified against the delivered report's actual table numbering.
Segmentation Analysis
5 axesBy Type
3- 01Pay-as-you-drive (PAYD)
- 02Pay-how-you-drive (PHYD)
- 03Manage-how-you-drive (MHYD)
By Technology
4- 01OBD-II-based UBI programs
- 02Smartphone-based UBI programs
- 03Hybrid-based UBI programs
- 04Black-box-based UBI programs
By Vehicle Age
2- 01New Vehicles
- 02Used Vehicles
By Vehicle Type
2- 01Light-Duty Vehicle (LDV)
- 02Heavy-Duty Vehicle (HDV)
By Distribution Channel
3- 01Direct-to-Consumer
- 02Insurance Agents and Brokers
- 03OEM-Embedded Programs
Segment categories shown for scope reference. See the Summary tab for revenue share by By Type. Full segment-by-segment detail across every axis is available in the sample and full report.
Research approach
A market size is a claim about the world, and a claim is only as good as the route to it. Every study is built upward from units and prices — what is actually produced, sold or performed, at what it actually changes hands for — rather than from a headline figure divided downwards. Disclosed company revenue is then used to check that build, not to produce it.
Market size was built upward from the number of vehicles enrolled in a usage-based program in each country, split by vehicle type and by program model, multiplied by the average annual premium realized for that program type. Enrolled-vehicle counts were assembled from national vehicle parc data combined with published usage-based-insurance penetration rates by country. This bottom-up build was then checked against disclosed telematics and connected-insurance revenue reported by major auto insurers in their own filings and investor materials; where the two diverged, the enrolled-vehicle or average-premium assumption underlying the bottom-up figure was revisited and corrected instead of averaging the two results together.
The four stages
The same sequence runs behind every published study, whatever the industry. The order matters as much as the steps: the segment axes are fixed before any number is collected, so the model is never reshaped to fit whatever data happens to turn up.
What the build rests on, and what checks it
The two are not interchangeable. The left column produces the number; the right column tests it. When the check disagrees with the build, the answer is to find which bottom-up assumption is wrong — a unit count, a price, a take-up rate — not to split the difference between them.
- Volume actually transacted — units produced, installed, dispensed or procedures performed, counted at the level each is genuinely recorded
- Realised pricing by tier and channel, rather than one blended average applied across the whole market
- Take-up and frequency: how much of the addressable base buys, and how often it repeats
- Disclosed revenue of the companies serving the market, where filings separate it far enough to be usable
- Buyer-side spending totals — capital budgets, procurement lines, or the output of the end market the product is bought against
- Trade and customs flows, where the product crosses borders in a separately recorded form
Data sources
Published data establishes what happened. Only the people transacting in a market can say why, and what is about to change — so the two are collected separately and weighted differently.
- Commercial and product leadership at the companies that supply the market
- Procurement and specification leads at the organisations that buy it
- Distributors, integrators and channel partners, where the market is served indirectly
- Regulatory and standards specialists, where approval governs what can be sold at all
- Company filings, annual reports and investor disclosure
- Government statistics, customs records and regulatory registers
- Trade association output and standards-body publications
- Technical and peer-reviewed literature, where the market rests on a clinical or engineering claim
Primary research targeted underwriting and product executives at auto insurers who set usage-based pricing and program design, telematics and connected-car technology vendors who supply the scoring platforms, claims and actuarial staff who assess how usage data changes loss ratios, and insurance regulators who approve rate filings tied to telematics-based pricing. Sampling weighted toward the United States, the United Kingdom, Italy and China, the countries where usage-based programs have the longest operating history and the deepest base of enrolled vehicles, with additional coverage of insurance brokers and automaker partnership teams in markets where OEM-embedded distribution is expanding fastest.
Desk research drew on rate and form filings lodged with state insurance regulators in the United States, the UK Financial Conduct Authority registers, and IVASS supervisory data covering Italy's motor insurance market, all of which disclose usage-based product terms and, in some filings, enrolled-policy counts. National vehicle registration and parc databases supplied the vehicle population each program's enrollment rate was applied to, and publicly listed insurers' annual report disclosures on telematics or connected-insurance revenue anchored the top-down check.
Desk research runs across proprietary research databases including Factiva, OneSource and Hoovers alongside the public sources above. Modelling and statistical validation are run in SAS and SPSS.
Forecasting
The forecast is not a growth rate applied to a base year. It is built from the drivers that are expected to change, each one stated so a reader can disagree with it.
The forecast is built from the pace at which new-vehicle telematics becomes standard equipment, the rate at which insurers extend smartphone-based enrollment to the existing vehicle parc, and the premium differential usage-based programs sustain relative to standard policies as scoring accuracy improves. It assumes usage-based pricing keeps lowering loss ratios enough for insurers to keep discounting enrolled policies, and that no major jurisdiction restricts telematics-based pricing on privacy grounds during the forecast period. Vehicle-parc growth by country and continued OEM connectivity rollout are treated as the primary volume drivers, with premium levels held to a gradual increase rather than a stepped one.
Triangulation and validation
No figure enters a report on the strength of one source. Where the two sizing routes disagree the difference is not averaged away — the assumption causing it is isolated, tested against a third independent measure, and either corrected or carried forward as a stated limitation. Historical years are back-tested against the growth actually recorded before any forecast is allowed to run forward from them.
Outputs were back-tested against each country's recorded usage-based-insurance enrollment growth over 2020-2024 to confirm the bottom-up build reproduces observed history before it is extended forward. Segment-level shifts, including the move from OBD-II hardware toward smartphone-based enrollment and the growing share of OEM-embedded programs, were reviewed against the pace of change already visible in the historical data instead of being assumed to accelerate. The forecast was also tested under slower new-vehicle-connectivity and slower regulatory-approval sensitivities to confirm the bear case stays internally consistent with a materially slower telematics rollout.
Confidence and limitations
Where an estimate is firm and where it is not is stated rather than left to be inferred from the precision of the number.
Confidence is strongest for the United States, the United Kingdom and Italy, where usage-based insurance has the longest operating history and insurers disclose the most detail on enrollment and telematics revenue. It is weaker for Middle East and Africa and parts of Latin America, where usage-based programs are newer and enrollment reporting is thin, and for the fastest-growing technology and distribution categories, where a small base makes the growth rate more sensitive to a single large program launch or exit. A shift in data-privacy regulation in any major market is the clearest risk that would force a revision.
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Questions This Report Answers
6 questionsWhat is the market size and growth rate, globally and by region?
How is the market segmented, and which segments lead?
Which regions and countries are covered, and how do they compare?
What are the key drivers, restraints, opportunities and challenges?
Who are the leading companies operating in this market?
What trends are expected to shape the market through the forecast period?
Frequently Asked Questions
01What is the Automotive Ubi Usage Based Insurance Market projected to reach?
USD 240.7 Billion by 2034, CAGR 15.69%
02What years does this report cover?
Study period 2020–2034, base year 2025, historical data 2020-2024, forecast period 2026-2034.
03Which regions are covered?
North America, Europe, Asia Pacific, Latin America, Middle East and Africa.
04Which region accounted for the largest market share?
North America leads with 38% of global revenue through 2034.
05Which segment leads the market?
Pay-as-you-drive (PAYD) is the largest line by Type, at 48% of revenue in 2025.
06Who are the key companies profiled?
Allianz, AXA, Progressive, Generali Group, Insure The Box Ltd, Allstate, Desjardins, Metromile, Liberty Mutual, Aviva, Admiral Group, Ageas.. Full profiles are part of the paid report.
07Can the segmentation be customized?
Yes. Custom data cuts by geography, segment, or competitor set are available on request.
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