As Telematics, black boxes, UBI (Usage Based Insurance) become common place - some really interesting fact and figures here.

Most interestingly, and we have said this for a while - it's not just about young drivers... there are benefits for all.

In my view, it's only a matter of time now before we move from 'opt in' to 'opted in by default' and then 'opt out if you don't want to track this way'; like other utilities, such as the good old water meter, have done in the past.  Price for now will still play a major factor here.  What do you think?