Up to now all vehicle insurance has been based on past records of what groups of drivers in groups of vehicles do. That is all set to change, thanks to insurance telematics. With an electronic app (on a smart phone) or a piece or kit either built into the vehicle or added afterwards, the precise performance of the vehicle and individual driver can be measured and a premium calculated accordingly. The device finds the safer drivers and rewards them yet issues with privacy and interpretation of data abound. Learn more about the evolving field of Insurance Telematics and how it will affect the way you do business.