In the motor market, the times they are a changing, with recent Uswitch research into driving habits, published in June 2025, highlighting a gradual shift towards more flexible driving habits. Most major motor insurers now have some sort of flexible product in their wheelhouse and some insurtechs offer the ability to literally insure by the hour via an app. But, before we conclude we are in the midst of a motor insurance revolution, it’s important to consider such figures in their true context. Broader trendsNone of these trends will be causing many sleepless nights for motor insurers, however, which are already highly aware of changing ownership models and of the gradual shift towards insuring vehicles, rather than the driver. Ben Townsend, head of automotive at Thatcham Research, said: “At current level two [autonomous] systems, the driver maintains responsibility for the vehicle.

Source: The Times June 18, 2025 09:56 UTC