Dear Colleague,

Survey indicated that in China, small motor insurers are more activated than major companies in the research and development of UBI Insurance. In fact, deficit is a common status for middle and small motor insurers. As a result, they can rely on the new business model to lower combined ratio and promote profit. Someone predicated that in the future, the first successful application case of UBI Model in china will be the motor insures ranking from 5 to 15.
调查表明，中国目前在研发UBI车险的公司都是以小公司为主，大公司并没有积极参与其中。事实上，绝大多数的车险公司都存在不同程度的亏损。因此，小型车险公司可以依靠UBI车险这种不同驾驶行为采取不同费率的商业模式，降低自身的出险成本，提升利润率。有人预测，未来中国成功应用UBI模式的车险公司，将在排名5—15名的“非主流”保险公司中出现。

Motor Insurance Innovation Congress China 2016 (IIC-Motor China 2016) specially set Telematics & UBI: Technology Innovation, Data Management & Global Practices session and invites leading UBI Companies to share successful case studies. It will be good lessons for all companies devoted into UBI Insurance.
中国汽车保险业创新国际峰会特别设置了车联网技术&UBI 车险：技术创新、数据管理与全球实践专题，邀请到UBI领先企业进行成功案例分享。对于致力于发展UBI车险的企业来说，这是您学习的最好机会。

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