1ThefutureofmotorinsuranceHowcarconnectivityandADASareimpactingthemarketAjointwhitepaperbyHEREandSwissReIntroductionThemotorinsurancemarkettodayThegrowthofcarconnectivityThegrowthofADASConsumerinterestincarconnectivityandADASCasestudy:theimplicationsofcarconnectivityandADASBusinessopportunitiesarisingfromcarconnectivityandADASContext-awareVehicleBehaviorAnalytics(VBA)5691012131822Contents32IntroductionFortheautomotiveindustry,relativelylittlehaschangedoverthepastthreedecades–untilnow.Newdriverassistancetechnologiesandconnectedservicesareusheringinawholenewworldofmo-toring.Inthisnewworld,thedriverhandsoverevergreaterresponsibilityforhisorherdrivingdecisionstothevehicle.Ontheroadtodaytherearealreadycarswithadvanceddriverassistancesystems(ADAS)suchaslane-keepingassistoremergencybrakingthatareedgingusc