The Future of Mobility | Imagining the world in 2040

Patrick Wirth & Alexander Bockelmann
February 13, 2020
Digitalisation, Mobility
A look into the future: Our study "The Future of Mobility" aims to provide a glimpse of mobility in 20 years’ time. The entire mobility market is undergoing major changes. Autonomous and connected cars are more than just a vision; we are already seeing them on our roads. These changes in the field of mobility will open up new service and risk coverage needs – and Baloise has the capabilities to be a relevant future player in this new mobility ecosystems. Four scenarios will help Baloise to find the best way forward into the future of mobility.

The future of mobility

The following stories illustrate four potential scenarios about how we will experience mobility by 2040. Of course, none of them will materialize exactly in this way. However, altogether they draw a picture and exhibit significant artefacts people will recognize then. They provide the foundation to imagine, dream and mentally travel to the future. This helps to ideate, prototype and test solutions for tomorrow and build empathy for the people moving around in a world that is hard to imagine today.


Ecotech archipelago

Digital venice

Swiss flow

New opportunities for insurance companies in the mobility space are there – we only have to find them.

Patrick Wirth, Director Investment & Innovation

The future of car insurance industry

Nowadays, 20-40% of the premium of a P&C insurer is typically based on classical motor insurance products. But different mega trends will have a huge impact on the motor insurance industry worldwide. Autonomous and connected cars are not only a vision, we see them on the roads already. Electrification of mobility booms, driven also by the sustainability challenges humankind is facing. A growing sharing economy is emerging out of different economic and social trends, as we see before. We may be best in class in what we are doing today, but the world is changing faster and faster. We at Baloise call this scenario for the future of mobility  “The Three Zeros: Zero emission, zero ownership and zero accident”. This will fundamentally change the industry and its solutions for customers and partners.

Not only the insurance business model is under attack

Changes putting your business at risk but also open-up new opportunities

When entering new territories you are lost without a map and a compass


A look into the future: This study, carried out in collaboration between Spark Labs and Baloise Insurance, aims to provide a glimpse of mobility in 20 years’ time.