中国UBI从2012年开始启动，较国外来看起步晚，因此中国UBI产品主要是模仿以及参照国外的一些成熟模式运作。但就目前来看，中国各方正在积极推动UBI的发展。

主机厂+保险公司
        主机厂在UBI领域通常是和第三方以及保险公司合作，其中具有代表性便是上汽+彩虹无线+太保的合作。在搭载安吉星的车型上，上汽和太平洋根据消费者的驾驶习惯、驾驶里程等要素，给出个性化的车险报价。彩虹无线则负责分析数据开发保险模型。

车联网平台或者零部件厂商+保险公司
        车联网平台在UBI领域主要以后装TSP服务商为主，例如，保险公司（人保）通过广联赛讯车联网平台，向车主提供一键报保险、快捷理赔、保险状态查询，以及开展浮动车险业务。零部件厂商以后装硬件及成立UBI相关公司为主，比如，得润电子一方面与凹凸租车合作，推广自己的OBD，另一方面频频收购车联网相关公司，并与太保合作成立的得道车联。

独立服务商+保险公司
        独立服务商一般通过APP+OBD获取用户数据，从而与保险公司合作开发UBI保险，同时向客户提供保养等方面的优惠服务。

大数据+保险公司
        保险公司在UBI领域一种是保险公司自营平台如：众安保险的O2O车险，另外一种与互联网公司或者其他车联网合建，比如，太保与百度组建互联网公司，同时投资凹凸租车。大数据公司在UBI领域有多种方式，如北京精友则是数据库，风险模型提供商。

        未来，中国UBI市场将在以上几方的推动下快速发展,不仅仅在市场规模上迭代加速，而且在服务机制上也将呈现多样化态势。比如，保险公司不仅要有价格优惠同时还要提供其他服务，如紧急救援，远程诊断，保养预约，天气交通情况等服务；随着手机硬件的发展和4G网络普及，手机APP类型UBI保险将飞速发展；依照驾驶行为和驾驶里程就行优惠不再是唯一，而是根据年龄，性别，车辆安装装置等多种形式计算折扣等。

《2016-2020年UBI行业研究报告》主要包含以下内容：
1、UBI概述（包括：UBI定义、价值，UBI的采集方式，国内UBI发展难点。）
2、国外UBI市场发展状况分析（包括：全球UBI发展概述，美国、加拿大、英国、德国UBI市场状态，美国、加拿大、英国、德国、意大利等10家UBI企业介绍、产品介绍。）
3、中国UBI业务研究（包括：未来发展规模，发展动力，市场主体、发展趋势）
4、中国本土UBI公司业务研究（包括：人寿、人保、平安、众安、彩虹无线、迪纳、芮锶
钶、鼎然科技、广联赛讯、元征科技、人人保、车网互联、美赛达、得润电子业务，经营情况及UBI产品）

Staring from 2012, UBI in China lags behind that in foreign countries. Hence, domestic UBI products are operated with reference to some foreign mature models. Various Chinese parties are actively promoting the development of UBI for now.

OEMs + Insurers
OEMs usually cooperate with third parties and insurers in UBI field, represented by SAIC Motor + Cihon + CPIC. SAIC Motor and CPIC give a personalized quota for car insurance on auto models carrying OnStar according to consumers’ driving habits, mileage, and other factors. Cihon is responsible for data analysis and insurance model development.

Telematics Platforms or Parts Manufacturers + Insurers
Telematics platforms are dominated by AM TSP in UBI field. For example, the insurer (PICC), via Shenzhen Autonet’s Telematics platform, provides car owners with one-key insurance claim, quick settlement of claim, and inquiry of insurance status, and develops floating car insurance business. Parts manufacturers launch their own AM hardware or set up UBI-related companies. For instance, Deren Electronic, on the one hand, teams up with ATzuche to release its own OBD, and on the other hand, acquires Telematics-related companies and set up Dedao TSP with CPIC.

Independent Service Providers + Insurers
Independent service providers usually acquire customer data via APP + OBD to work with insurers to develop UBI and at the same time provide customers with preferential services with regard to maintenance and other aspects.

Big Data + Insurers
In UBI field, some insurers, on the one hand, have self-operated platforms, such as Zhong An Online P&C Insurance’s O2O car insurance, and on the other hand, co-develop platforms with Internet businesses or other Telematics firms. For example, CPIC organized Internet companies with Baidu and invested in Atzuche. Big data enterprises employs various methods in UBI field, like Jingyou, a provider of database and risk models.

Chinese UBI market will grow rapidly propelled by the aforementioned parties, reflected in not only iterative acceleration in market size but also more diversified service mechanisms. For example, insurers will provide not only price discounts but also other services like emergency rescue, remote diagnosis, maintenance reservation, and weather & traffic conditions; with development of mobile phone hardware and the popularity of 4G network, mobile APP-based UBI will burgeon; driving habits and mileage will not be the only criteria for privileges, and age, gender, and devices installed on the vehicle will be taken into account when the discount is calculated.

UBI Industry Report, 2016-2020 focuses on the followings:
UBI overview (definition, value, methods of acquisition, difficulties for UBI development in China);
Foreign UBI markets (global; UBI in United States, Canada, UK, and Germany; 10 UBI companies and products in United States, Canada, UK, Germany, and Italy);
UBI in China (future scale, drivers, players, trends);
Local Chinese UBI companies (business, operation, and UBI products of China Life, PICC, Ping An Insurance, Zhong An Online P&C Insurance, Cihon, DiNA Technology, Shenzhen Dingran Information Technology, Shenzhen Autonet, Launch Tech, Renrenbao, Carsmart, MSD, and Deren Electronic)