Is Usage-based Insurance the Future of Auto Insurance?

Hi guys!

Let me start of by introducing myself. I'm Robert H, a 20 year old student from the Netherlands who's currently writing his bachelor thesis at Leiden University.

As a part of my thesis, which is about the future of usage-based insurance (UBI) I'm mapping the worldwide interest in telematics and usage-based insurance.

For those who are not familiar with UBI, Usage-based insurance also known as pay as you drive (PAYD) and pay how you drive (PHYD) and is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, beha
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