Hi guys! Let me start of by introducing myself. I'm Robert H, a 20 year old student from the Netherlands who's currently writing his bachelor thesis at Leiden University. As a part of my thesis, which is about the future of usage-based insurance (UBI) I'm mapping the worldwide interest in telematics and usage-based insurance. For those who are not familiar with UBI, Usage-based insurance also known as pay as you drive (PAYD) and pay how you drive (PHYD) and is a type of vehicle insurance whereby the costs are dependent upon type of vehicle used, measured against time, distance, behavior and place. This allows an insurer to offer premiums that are more tailored to the users of a vehicle than is possible with a traditional motor insurance policy. You can help me out by filling in a survey existing out of 14 multiple choice questions. It honestly takes no longer than 5 minutes! Since I can't post the URL in this thread let me know if you are willing to take the survey. I'll pm you the TypeForm url. For all of those that fill-out the survey, thank you so much for helping me graduate and allowing me to make a kicks ass report! For those who are interested I'll post the results at the end of may! If you've got any questions in the meantime, feel free to contact me at any time!