Some important questions and answers raised by Nigel Walsh. Let me add two other thoughts:-

  1. The Uber effect in which vehicle ownership will likely drop as travellers find it convenient and cheaper to get an Uber driver in the time it would take to get the car out of the garage. That means less drivers policies to be sold
  2. The big manufacturers are all investing in autonomous cars and there's no reason they would not add insurance by the trip as Nigel suggests
  3. Ford & GM invest in IoT & autonomous cars