Wavestone presents its first edition of the panorama of risk prevention initiatives in the P&C insurance sector (Home and Mobility). Whether in response to regulatory constraints, a desire to differentiate oneself from other insurers, or for reasons of operational performance, the prevention of risks to which policyholders may be exposed is now a key activity in the insurance sector.

Context and objectives of the study

This study reflects our desire to meet our customers’ need for a detailed overview of insurers’ prevention initiatives. This panorama offers a clear, structured view of the P&C (M&H and Mobility) risk prevention initiatives undertaken by key players in the French insurance industry and highlights key trends.

The prevention of P&C (Home and Mobility) risks is a priority for all players, as demonstrated by the founding in 1949 of the Association Prévention Routière, bringing together insurers and players in the field of mobility. Since then, the number of initiatives has multiplied, and in addition to this increase in preventive measures, today’s insurers are displaying creativity and are radically transforming the nature of their actions. This is part of the “Beyond Insurance” approach. Indeed, insurers are keen to take advantage of new technologies such as connected objects and Artificial Intelligence, and to pool their efforts with both public and private partners in the insurance sector. Prevention is evolving; specialized players are emerging, and traditional players are moving away from their core business.

Scope and methodology

This first edition focuses on P&C (Home and Mobility) prevention initiatives aimed at private individuals. 31 key players in the insurance sector were analyzed in terms of 4 Housing risks (vandalism, fires, domestic accidents, and water damage) and 4 Mobility risks (glass breakage, collision, motorized personal transport equipment and parking).

Key trends

Over the past few years, insurers have become increasingly aware of the importance of prevention… However, the sector needs to overcome the challenge of transforming its “informative prevention” into “effective prevention”.

The panorama reveals 4 key trends:

  • The use of new technologies, and in particular connected objects, is taking on a growing role and is becoming an essential part of preventive measures. Whether in the form of connected alarms, black boxes or predictive maintenance, the goal remains the same: to detect risks at an early stage, enhance safety and encourage the adoption of safe driving practices.
  • The growing integration of prevention into insurance offers is of dual benefit, for both insurer and policyholder. Pay-as-you-go insurance, for example, makes it possible to personalize insurance policies, offering discounts of up to 40% on premiums and improving insurers’ profitability. Although popular in other countries such as the United States and Italy, with 12 million and 8 million contracts respectively, this type of contract is not yet of great interest in France.
  • More and more partnerships are being developed between traditional players and start-ups, as well as with actors in the public sector and in the specialized industry . More than one in ten actions identified in this overview is in fact a partnership. These partnerships are mutually beneficial, but they do have limitations in terms of data sharing (cybersecurity), policy management flexibility, and regulatory and technological complexity (specific data processing).
  • Finally, the prevention landscape has changed with the emergence of “pure players” in prevention. For instance, specialized players such as Liberty Rider and Acwa Robotics offer effective prevention through innovative solutions .

Some key figures


actors in this overview


of actors exclusively offer informative content


of actors carry out actions based on new technologies


of actors have developed partnerships