The Rise of Usage-Based Insurance (UBI)

Gone are the days of one-size-fits-all insurance policies. In 2025, Usage-Based Insurance (UBI) has become the norm. Telematics devices and smartphone apps track your driving habits—such as speed, braking, and mileage—in real-time. This data allows insurers to offer personalized premiums based on how safely and how much you drive. If you’re a cautious driver with low mileage, you could see significant savings. Pay-As-You-Drive (PAYD) models are also gaining popularity, making insurance more affordable for those who don’t spend much time on the road.