This article is by Warren Carley, Principal, Connected Vehicles-Telematics, Europe, at LexisNexis Risk Solutions For years, usage-based insurance (UBI) has been one of the most promising innovations in motor insurance. Despite this potential, adoption has largely remained limited to specific segments of the market. Today, however, the rapid growth of connected vehicles across Europe i, combined with the emergence of source-agnostic UBI scoring methodologies, is creating conditions that could allow UBI to become mainstream. Currently, most UBI programmes rely on aftermarket telematics devices fitted into vehicles. These solutions are often designed for niche markets and/or frequently targeted at younger or less experienced drivers. While effective in those segments, this approach has limited broader market adoption and reinforced the perception that telematics is primarily relevant to higher-risk drivers. Connected vehicles have the potential to change this dynamic. When data originates directly from the vehicle, if insurers have a way to access insights into driving behaviour without requiring additional hardware or installation, the scalability of UBI and broadens its potential appeal across the wider U.K. and E.U. motor insurance markets. Importantly, behavioural feedback models in motor insurance have already demonstrated their ability to influence driving outcomes. Overtime, road traffic incidents involving younger drivers have declined more rapidly than those involving other age groups ii. In fleet environments, telematics has delivered similarly encouraging results iii. These improvements illustrate the fundamental value of behavioural insight. When drivers receive feedback on how their actions influence risk, many respond by adjusting their habits. Despite the promise of connected vehicles, data consistency remains a major barrier. The automotive ecosystem is highly diverse worldwide, with different vehicle manufacturers, models and onboard technologies producing telematics data in varying formats. This lack of standardisation of telematics data outside of an insurer’s existing program or for those with no program at