Disruptive is a word tossed around a lot in the world of insurance technology, but it’s difficult to argue with Deloitte Consulting’s Steve Packard—and others—that the use of telematics to make up what is known as usage-based insurance (UBI) fits that description.

“Our point of view is [telematics]  is a very disruptive technology that in some ways could revolutionize the way auto policies are underwritten,” says Packard, a Deloitte director and author—along with John Lucker and Mark Hill—of the report “Telematics: Driving the automobile insurance market through disruption.”

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